The net-worth & wealth tracker for self-directed high-net-worth householdsSee your wealth.
Shape your future.
The whole financial picture — every account, entity, and tax position — finally in one place, so you can manage your own wealth with confidence. Organized by entity. Cited by source.
Founding price $17.99/mo or $199/yr $29.99/mo list — locked for as long as you stay
No charge today · Cancel in two clicks · Read-only — we never move money
The real product, running on a sample household — click anything.
12,000+ banks, brokerages, and custodians — linked read-only through Plaid
We never see your passwords and can't move money. Logos are trademarks of their owners; shown to indicate aggregator coverage, not endorsement.
See it work
The whole picture, in one walkthrough.
A 90-second tour of the live dashboard — net worth, cash flow, investments, planning, and AURA — on a sample household.
No charge today · Cancel in two clicks
The product, not promises
Your problems, on screen.
No mockups, no concept art — each panel is a real capture of one shipped feature, whole: the inputs it reads, the report it generates, and the assumptions it names. Every one opens the live demo, where you can click through the full product.
Cash Flow
Six income streams. Four cards. One honest picture of the flow.
Salary, RSU vests, rental income, distributions — high-net-worth cash flow isn't a budgeting-app problem. Formation classifies every transaction across all your accounts, keeps transfers and card payments out of the spending math, and reports the flow like a statement your CPA would respect.
- Income vs. spend vs. savings rate — monthly and trailing-12
- The flow itself, drawn: every source to every use
- Recurring charges detected across every card and account
Plan
“Are we going to be fine?” deserves better than a gut feeling.
Formation runs 5,000 Monte Carlo paths on your real numbers — spending, goals, drawdown — and shows the probability of success, the downside band, and the age work becomes optional. Labeled as modeling, never a prediction, because honesty is the feature.
- Probability of success with the downside band shown
- The age work becomes optional, on your real spend
- Goals and life events, funded or flagged
Investments
One portfolio across five custodians — performance included.
Formation unifies every account into one portfolio: time-weighted performance against a real benchmark, and allocation reconciled against the policy you set, with drift bands enforced. When a figure is modeled rather than measured, it says so — honesty over polish.
- Performance across every custodian, benchmarked
- Allocation vs. your target, drift bands enforced
- Asset-location: which holdings belong in which account type
Wealth Transfer
Your estate plan, drawn — not buried in a binder.
Formation turns titling, trusts, and beneficiary designations into a picture: how every dollar would actually transfer, what clears probate and what doesn't, and which accounts contradict the documents — mapped account by account, ready for your estate attorney to fix.
- Succession flow, visualized — probate vs. non-probate
- Ownership chain: who controls each entity and what it holds
- Beneficiary + titling audit, account by account
AURA
Ask the question your statements can't answer.
AURA reads your whole household — every account, entity, lot, and grant — and answers in plain English with every number cited to its source and a confidence score attached. It never executes and never sells: every answer is education you can take to your CPA and advisor, not a replacement for them.
- Voice + text over your real financial graph
- Every figure cited — sourced · computed · estimated
- Scenarios end in a trade list you review — never auto-executed
Balance Sheet
“What does the trust actually hold?” shouldn't take a weekend.
Your accounts are titled across a trust, an LLC, joint and personal names — but every app you've tried flattens them into one pile, so your estate attorney's questions still end in a spreadsheet. Formation groups every account by the entity that owns it and rolls it all into one statement you can audit, ratio by ratio.
- Net worth by entity — trust · LLC · joint · personal
- A real balance-sheet statement: composition, classes, health ratios
- Every figure badged: sourced · calculated · estimated
Portfolio costs
You know your returns. Do you know your costs?
An expensive 401(k) menu here, an advisor-sold fund there — fee drag hides in plain sight and compounds for decades. Formation prices every fund you hold: the weighted expense ratio, the annual bill in dollars, what it costs over 30 years, and the cheaper equivalent when one exists.
- Weighted expense ratio + annual fees, in dollars
- The 30-year compounding cost of the funds you hold
- Cheaper equivalents flagged — with the yearly savings
Tax-loss harvesting
A sell at Schwab and a re-buy at Fidelity — caught.
Wash sales hide in the gaps between brokerages, including the IRAs single-custodian tools never see. Formation scans every tax lot across every account per IRS §1091, prices each candidate at your actual rates, and pairs it with a vetted replacement — or tells you plainly when there isn't one.
- Every candidate graded: clear · risk · blocked
- Savings priced at your real LTCG + state + NIIT stack
- Conservative replacement map — no vetted pair, no suggestion
Equity Comp
Your equity is a quarter of your net worth — and a tax bill in disguise.
You know your vest dates. What they do to AMT, withholding gaps, and single-stock concentration you mostly discover in April. Formation reads RSUs, ISOs, and ESPP beside everything else you own and models exercise windows and sale scenarios — education-only, every number cited.
- Vesting schedule with the est. tax beyond withholding
- AMT exposure and exercise-window modeling
- Concentration watch — employer stock vs. your net worth
Tax
The tax bill shouldn't be a surprise you meet in April.
Multiple income streams, equity events, K-1s, quarterly estimates — your real liability moves all year, and nobody shows it to you until filing. Formation projects the year's liability continuously, watches safe-harbor pacing, and shows exactly where your next dollar lands in the brackets — ready for your CPA to act on.
- Projected liability vs. paid-to-date, all year
- Next-dollar marginal rate — wages vs. investment income
- Withholding-gap watch, sized in dollars to set aside
Founding price $17.99/mo or $199/yr $29.99/mo list — locked for as long as you stay · 7-day free trial
Capabilities
Everything your household needs. Nothing it doesn’t.
Nine areas, one dashboard, every figure traced to its source. Formation tracks, shows, models, and flags; it does not execute, move money, or give advice.
Read-only access
Linked via Plaid — we never see passwords or move money
AES-256 at rest
TLS 1.2+ encryption in transit
Two-factor required
A second factor on every account, within the first week
Spouse-private
Per-account visibility controls keep data separate
Payments by Stripe
Your card never touches our servers
Yours to take
Export as JSON or delete your account — any time
Built on infrastructure you already trust
Plaid · Anthropic · Stripe · Supabase
Questions
The questions
worth asking first.
Short answers to what households ask before trusting a tool with their whole financial picture. The long answers live in the full FAQ.
Read the full FAQSelf-directed high-net-worth households — the financially capable wealthy who'd rather run their own money than hand it to a wealth manager, with real complexity underneath: typically eight or more accounts across multiple custodians, with trusts, LLCs, K-1s, equity comp, and multi-state taxes. If your net worth lives in five different logins, it's built for you.
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Founding price $17.99/mo or $199/yr $29.99/mo list — locked for as long as you stay · 7-day free trial
See your wealth. Shape your future.