Everything Formation does.
Organized the way your life is.
The full map — every domain, every shipped capability — for high-net-worth households running their money across multiple custodians, entities, and tax situations, fully self-directed or alongside the professionals they choose. Each line traces to its source.
Net Worth & Balance Sheet
Entity-organized net worth — trust · LLC · joint · personal
Treemap across asset class · entity · account · liquidity
Cost basis & unrealized gain, per entity
Real net-worth history, forward-filled and cited
Liquidity tiers — cash → liquid → illiquid
Debt & payoff planner (pay-vs-invest)
Printable, citation-styled net-worth report
Cashflow
Income → category Sankey
Recurring-bill calendar & drift alerts
Budget targets with a savings-rate dial
Transaction splits & auto-categorization
Variable-income smoothing (coefficient-of-variation aware)
Amazon order-level itemizer
24-month income / expense series
Investments
Allocation unified across every brokerage
Asset-location optimizer — taxable · tax-deferred · Roth
Time-weighted return vs benchmark (S&P · NASDAQ · Dow · Russell · EAFE · Agg Bond)
Dividend, fee & expense-ratio analysis
Holdings drill-down + security master
Private-fund capital-call calendar
Live markets + a rebalance modeler
Equity Comp
RSU · ISO · NSO · ESPP · RSA across every employer
Vesting timelines — current and prior employers
AMT-aware exercise planner (ISO ladder + tank gauge)
Concentration risk translated to an outcome
QSBS 5-year clock, flagged per lot
Lock-up / blackout / 10b5-1 awareness
83(b) clock · double-trigger RSUs · 409A deferred comp
Tax
Multi-year marginal-rate cockpit (2026 brackets)
The real-vs-22% withholding gap
Cross-custodian wash-sale-aware TLH
Backdoor & mega-backdoor Roth tracker
K-1 ingestion · multi-state exposure · AMT preview
QSBS eligibility & exclusion estimate
Quarterly estimates, safe-harbor (110%) & a year-end wizard
Wealth Transfer & Estate
Flags gift-before-step-up windows on low-basis shares
GRAT & a vehicle library
QSBS stacking via non-grantor trusts
Beneficiary & titling audit — it overrides the will
Basis-step-up-vs-carryover analyzer
Entity-ownership & succession flow charts
$15M exemption, with an optional “what if the law changes” stress test
Planning & Forecast
Monte Carlo net-worth forecast
Scenario stress tests, with goal targets as projection milestones
Liquidity-event playbook — IPO · M&A · tender · secondary
Education / 529 projection
Retirement projection (incl. the §72(t) / SEPP bridge)
Insurance gap analysis
Real Estate
Rent AVM & property records (RentCast)
Market stats & comparable sales
Investment-property flagging
Mortgage detail & equity tracking
Portfolio comparison across properties
Entity & Household
Entity model — trust · LLC · S-Corp · holdco
Multi-custodian aggregation (via Plaid, built for 3+)
Professional-team coordination — CPA · attorney · advisor
Members & beneficiaries
Document vault — grants, trusts, K-1s, statements
Spouse-level privacy — hidden accounts never leave the browser
AURA — the assistant
Voice + text agent grounded in your real financial graph
Cites every number — sourced · computed · estimated · stale
Cross-session household memory
Moments — named flows with deadline countdowns
Actions over $5,000 become a trade list you run yourself
Education-only — never executes, never an AUM fee
Trust Layer — ingestion & provenance
Statement parsing — PDF · CSV · OFX · QFX · photo
K-1 · 1099 · tax-return · equity-doc · insurance · benefits parsers
Reconciliation queue — drift, duplicates, new accounts
Provenance badges on every hero figure (SRC · CALC · EST · STALE)
Citation drawer — click any number to open its source
Daily automated citation-regression tests
Every figure shows its work — measured, calculated, or estimated, with the assumption named. Formation tracks, shows, models, and flags; it does not execute, move money, or give investment, legal, or tax advice.
The whole picture — in one place.
Founding price $17.99/mo or $199/yr $29.99/mo list — locked for as long as you stay.
No charge for 7 days · Cancel anytime. The demo: no account, no card.