For you
Your money, organised and explained.
Every account in one picture, categorised properly, with the three numbers that actually decide things kept current: what you are worth, what you keep, and what you can commit to.
- Median setup
- 18 min
- On one screen
- 3 numbers
- Every connection
- Read-only
The point of it
Two hundred figures. Three that decide things.
Budgeting apps are very good at the question that does not matter much and quiet about the ones that do. We put these three on one screen and keep them current.
Net worth
Everything you own minus everything you owe, measured monthly. The level is mostly noise from markets you do not control. The slope is the only honest scoreboard you have.
Free cash flow
What is genuinely left after everything, including the bills that arrive once a year. Computed over twelve months rather than a good week, which makes it smaller and real.
Savings rate
Free cash flow as a share of take-home pay. Scale-free, so it survives a raise, and the only one of the three you can move deliberately inside a single month.
Cash flow
- Kept
- Spent
Where it went
- Housing$2,850
- Food and dining+$310$1,410
- Travel+$780$1,180
- Everything else−$90$1,300
- Transport+$60$840
- Utilities+$190$690
- Health−$120$640
- Subscriptions+$110$410
IllustrativeOne invented household, shown across every panel on this page. The figures agree with each other because they describe the same made-up person, not a real one.
What it covers
Everything your money does, in one place.
Budgeting that survives February
Categories built from how you actually spend rather than a template, with the annual and quarterly bills spread across the year so a surplus in March is not an illusion you pay for in April.
Cash flow you can plan against
Money in, money out, and what is genuinely left — computed on a full twelve months rather than a good week. It is a smaller number than most people expect, and it is the one every commitment has to fit inside.
Net worth, tracked monthly
Everything you own against everything you owe, on one line, moving month over month. The level is noise. The slope is the only honest scoreboard for whether the last year went the way you think it did.
Goals with a date attached
A deposit, a sabbatical, tuition, the emergency fund. Each one gets a target, a monthly contribution and an arrival date that updates as your cash flow does — so you find out in month two, not month twenty.
Investments, seen whole
Brokerages, retirement accounts and equity in one allocation view, with fees surfaced. We show you what you hold and what it costs you to hold it. We do not pick investments and we take nothing from anyone who does.
A debt payoff order
Every balance, rate and minimum in one table, with the payoff sequence that costs least in interest and the one that clears accounts fastest — the real trade-off, priced, instead of a rule of thumb.
Goals
- Emergency fund$24,640 / $28,00088% · On trackFull in February 2027
- House deposit$61,800 / $150,00041% · On trackOn track for November 2028
- Sabbatical$8,700 / $30,00029% · BehindFour months later than planned
- College fund$19,400 / $120,00016% · On trackOn track for 2039
Goals
A date, not a vibe.
Every goal gets a target, a monthly contribution and an arrival date that moves as your cash flow does. When something slips you hear about it in month two, while there is still time to change the contribution or the date.
The sabbatical below is four months late. That is a small problem now and an argument in 2029.
Debt
Total owed across all accounts
- Auto loan6.9% · $420 minimum$18,400
- Student loan4.5% · $260 minimum$21,900
- Card — travel22.4% · $110 minimum$4,180
Payoff order, priced
- Highest rate first$6,140 · 4 yr 2 mo
- Smallest balance first$7,020 · 4 yr 5 mo
Paying the 22.4% card first saves $880 in interest and clears three months sooner. The other order closes an account in year one, which is worth something too — this is the trade, priced.
Debt
The payoff order, priced.
Everyone has heard the two rules — highest rate first, smallest balance first — and nobody has been told what choosing the second one costs. Here it is $880 and three months.
That might be worth paying for the momentum of closing an account this year. It is your call, but you get to make it with the price attached.
Ask ArthIQ
“Can I afford it?”
The house, the car, the year off. Nobody can answer that from a salary, because salary is not the constraint — the constraint is what survives inside your real free cash flow once the thing starts generating its own costs.
Ask in plain English and get the arithmetic, the assumptions and the accounts it came from. Then talk to your planner about whether it is a good idea, which is a different question.
Ask ArthIQ
PersonalWhy did my spending increase this month?
You spent 14% more than usual. Three categories account for nearly all of it, and two of them are one-offs that will not repeat next month.
- Travel — Lisbon flights and hotel+$780
- Dining — 9 more transactions than usual+$310
- Utilities — annual water true-up+$190
- Groceries−$40
Sources: 412 transactions across 6 connected accounts.
Try another
Example answers, generated from invented data for illustration. Ask ArthIQ explains what your numbers show; it does not give investment, tax or legal advice.
Not an app you are left alone with
Software assembles it.
A planner explains it.
Every ArthIQ Personal account includes an annual review with a real planner, and a person to message when a number needs a decision behind it. We hold no money, sell no products and take no commissions — so the advice has nothing behind it except the numbers.
Next step
Thirty minutes,
and no documents.
The first call is about what you are deciding and what your current numbers can and cannot answer. If we are not the right team for it — or you only need one of the three tiers — we will say so and point you somewhere better.