Personal finance made clear.
Know Your Worth. Instantly.
Track your accounts, spending and net worth, with clear explanations behind every change.
Net Worth
Your net worth, over time
Total Net Worth
$ 456,677.23
What changed
30d (Mar 12 → Today)
$ +59,566.23
+15.0%
Investments
$ 171,819.42
How your portfolio is performing
Performance
+0.89%
$ 687.28
Excludes deposits and withdrawals.
Contributions
$ 0.00
Assets
$ 1,009,670.76
How your assets are distributed
My Home
Real Estate
$ 720,000.00
Robinhood
Investments
$ 124,681.43
My Car
Personal Property
$ 55,000.00
and 7 more items
Debts
$ 552,993.53
How your debts are distributed
Primary Mortgage
Long-Term Liabilities
$ 419,145.62
Primary HELOC
Long-Term Liabilities
$ 66,395.34
BofA Auto Loan
Long-Term Liabilities
$ 38,000.00
and 3 more items
Financial Health
Risk, leverage, and resilience at a glance
Net worth under pressure
Elevated debt relative to assets
Elevated debt relative to net worth
Thin resilience buffer
Good evening,
Alex
Net Worth
$ 456,677.23
Cash Accounts — $ 24,851.34
Bank of America
BofA Checking
$ 4,126.23
Chase Bank
Chase Checking
$ 5,280.12
Chase Bank
Chase Savings
$ 15,444.99
Insights
You've saved 10% of your income this month.
Your savings are up 10% compared to last month. This was largely driven by a 20% reduction in dining out and a 5% reduction on gas. Keep it up!
This Month
Dining Out
Investments
30d (Mar 12 → Today)
$ 171,819.42
Since Mar 13
$ 5,810.32
3.50%
Since Yesterday
$ -336.69
-0.20%
Upcoming Payments – next 14 days
Due Soon
8
out • C$ 64,107
0
in • C$ 0.00
Cash Impact
C$ -64,107
Over the next 14 days
Risk Check
1 projected to fall below $0
Chase −$ 19,700 on Apr 11
Accounts
Available Cash
C$ 44,027
Across 3 accounts
Last Updated
5
hours ago
All synced
Reauthentication Required
9 disconnected
Accounts need reauthentication
Budget
Current Spend
C$ -8,890.40
Total Budgeted
C$ -178,712.23
Remaining
C$ -169,821.83
5% spent
95% remaining
This Month’s Budget
Getting started
Building your baseline
Most Pressured Category
No categories at risk
All spending within targets
Budget Runway
Not enough data
Need more transactions to project
Transactions
This Month’s Spending
C$ 8,890
↓ 90% vs usual
Biggest Driver
Normal patterns
No unusual spending detected
Spending Pace
No clear pattern
Need more transactions
Bank-grade encryption
Read-only access
Multi-currency
Real human support
Your data is encrypted and read-only.
Knoware doesn't move your money. It helps you understand it.
Most finance apps show you numbers.
Balances. Transactions. Categories. Charts.
But they still leave you to figure out what changed, what matters, and what to do next.
Typical finance apps
They show what happened
You see totals
Everything looks equally important
You look at the past
You have to figure it out yourself
Knoware
Know what changed and why
See what’s driving them
See what actually needs attention
See what’s coming next
Know what to do next
They give you more to look at.
Knoware gives you less to figure out.
More charts, reports, and categories don’t make your finances clearer. That just gives you more work to do.
Knoware is designed to do that work for you.
Knoware turns financial data into something you can actually use.
What changed?
Net Worth
+$ 10,000.00
+10.00%
Assets
+$ 10,000.00
+10.00%
Debts
+$ 10,000.00
+10.00%
Change Drivers
Balance changes
3 balances changed
$15,000 USD
Estimated home value
-$15,000 USD
Checking account
-$5,000 USD
Credit card
-$5,000 USD
Refinance
Primary mortgage refinanced from 7.2% to 4.45%. This is saving you $236 per month or $2,832 per year.
Currency impact
BTC Exchange rate
+1,589.00 USD
BTC Assets
+1.6% FX
Summary
Total Explained
+$ 10,000.00
Total Unexplained
$ 0.00
Clarity the moment you open it.
The moment you open Knoware, you see what matters today. What changed, what needs attention, and what's coming up.
Your daily brief keeps you one step ahead.
Upcoming bills, unusual spending, account issues, and anything that needs attention, delivered daily.
No digging. No guesswork.
Just a clear view of where things stand.
Good evening,
Alex
Net Worth
$ 456,677.23
Cash Accounts — $ 24,851.34
Bank of America
BofA Checking
$ 4,126.23
Chase Bank
Chase Checking
$ 5,280.12
Chase Bank
Chase Savings
$ 15,444.99
Insights
You've saved 10% of your income this month.
Your savings are up 10% compared to last month. This was largely driven by a 20% reduction in dining out and a 5% reduction on gas. Keep it up!
This Month
Dining Out
Investments
30d (Mar 12 → Today)
$ 171,819.42
Since Mar 13
$ 5,810.32
3.50%
Since Yesterday
$ -336.69
-0.20%
Upcoming Payments – next 14 days
Due Soon
8
out • C$ 64,107
0
in • C$ 0.00
Cash Impact
C$ -64,107
Over the next 14 days
Risk Check
1 projected to fall below $0
Chase −$ 19,700 on Apr 11
Accounts
Available Cash
C$ 44,027
Across 3 accounts
Last Updated
5
hours ago
All synced
Reauthentication Required
9 disconnected
Accounts need reauthentication
Budget
Current Spend
C$ -8,890.40
Total Budgeted
C$ -178,712.23
Remaining
C$ -169,821.83
5% spent
95% remaining
This Month’s Budget
Getting started
Building your baseline
Most Pressured Category
No categories at risk
All spending within targets
Budget Runway
Not enough data
Need more transactions to project
Transactions
This Month’s Spending
C$ 8,890
↓ 90% vs usual
Biggest Driver
Normal patterns
No unusual spending detected
Spending Pace
No clear pattern
Need more transactions
Daily Brief
Good evening
Here's what changed since yesterday.
Today: C$ 386,470
available
↑ C$ 281,081
What Changed
•
American Express Payment
•
Ferrari Financial Loan
•
Draft Purchase
•
Spending 25% higher
Cash Flow Check
•
On track to end the week with C$ 386,470
Subscriptions
•
AT&T renews Apr 16 (C$ 58.37 )
•
Depositphotos renews Apr 18 (C$ 40.45 )
Net Worth & Investments
•
Net worth ↑ C$ 5.49M (+38.8%)
•
Investments ↓ 5.1%
Have a great day!
Understand what changed.
Knoware doesn't just show spending. It helps you see whether you're above normal, what's driving the change, and where the pressure is coming from.
Compare spending against your usual patterns
Spot unusual categories quickly
See pace, pressure, and drift before month-end
Transactions
Today
1
Coffee
Chase Bank · Chase Visa Infinite
Today
$ -4.85 ↓
Yesterday
2
Groceries
Chase Bank · Chase Checking
Yesterday
$ -62.40 ↓
April 9
3
Online order
American Express · Platinum Card®
April 9
$ -128.00 ↓
April 8
4
Payroll deposit
Chase Bank · Chase Checking
April 8
$ 3,250.00 ↑
April 7
5
Fuel
Chase Bank · Chase Visa Infinite
April 7
$ -89.12 ↓
April 6
6
Spotify Premium
Chase Bank · Chase Visa Infinite
April 6
$ -24.99 ↓
April 5
7
American Express payment
American Express · Platinum Card®
April 5
$ -39,541.05 ↓
April 4
8
Transit pass top-up
Chase Bank · Chase Checking
April 4
$ -17.50 ↓
April 3
9
Dinner
American Express · Platinum Card®
April 3
$ -142.33 ↓
April 2
10
iCloud+
Chase Bank · Chase Visa Infinite
April 2
$ -9.99 ↓
April 1
11
Mortgage — Big Bank
Chase Bank · Chase Checking
April 1
$ -2,100.00 ↓
March 31
12
Pharmacy
Chase Bank · Chase Visa Infinite
March 31
$ -45.67 ↓
March 30
13
Electricity
American Express · Platinum Card®
March 30
$ -78.20 ↓
March 29
14
Refund — return
Chase Bank · Chase Visa Infinite
March 29
$ 42.18 ↑
March 28
15
Monthly account fee
Chase Bank · Chase Checking
March 28
$ -33.00 ↓
March 27
16
Membership
Chase Bank · Chase Visa Infinite
March 27
$ -156.90 ↓
March 26
17
Rent — top-up
Chase Bank · Chase Checking
March 26
$ -512.00 ↓
March 25
18
GitHub Pro
Chase Bank · Chase Visa Infinite
March 25
$ -19.99 ↓
March 24
19
Auto insurance
American Express · Platinum Card®
March 24
$ -220.45 ↓
March 23
20
Groceries
Chase Bank · Chase Visa Infinite
March 23
$ -71.25 ↓
This month's spending
$ 1,000
10% vs usual
Biggest driver
Dining out
+$ 100.00 vs usual
Unusual activity
Purchase
In entertainment • $ 4,893
Your net worth with context.
Track your net worth over time, understand what moved it, and see how your assets and debts contribute to the whole picture.
Net Worth
Your net worth, over time
Total Net Worth
$ 456,677.23
What changed
30d (Mar 12 → Today)
$ +59,566.23
+15.0%
Investments
$ 171,819.42
How your portfolio is performing
Performance
+0.89%
$ 687.28
Excludes deposits and withdrawals.
Contributions
$ 0.00
Assets
$ 1,009,670.76
How your assets are distributed
My Home
Real Estate
$ 720,000.00
Robinhood
Investments
$ 124,681.43
My Car
Personal Property
$ 55,000.00
and 7 more items
Debts
$ 552,993.53
How your debts are distributed
Primary Mortgage
Long-Term Liabilities
$ 419,145.62
Primary HELOC
Long-Term Liabilities
$ 66,395.34
BofA Auto Loan
Long-Term Liabilities
$ 38,000.00
and 3 more items
Financial Health
Risk, leverage, and resilience at a glance
Net worth under pressure
Elevated debt relative to assets
Elevated debt relative to net worth
Thin resilience buffer
Your net worth increased by $12,400 this month.
Mostly driven by investment gains, despite higher spending
$ +8,200.00 ↑
investments
$ +7,100.00 ↑
income
$ -2,900.00 ↓
spending
See what your debt is really costing you.
Balances alone do not tell the story. Knoware helps you understand borrowing cost, interest drag, and which obligations are weighing most on your financial position.
Debts
What you owe and what it costs
Total Debt
$ 552,993.53
Debt impact
30d window (Mar 12 → Today)
Helping Your Wealth
Net worth rose while your debt increased over this period.
Borrowing costs
What your debt costs you
Blended APR
0.00%
Weighted average of known rates
100% coverage
APR Coverage
100%
Portion of your debt with known rates
Higher coverage = more accurate projections
Monthly interest cost
$ 0.00
/mo
Interest only — excludes principal payments
Interest drag 12m
$ 0.00
Projected interest cost over the next 12 months
Based on known rates
Monthly debt
$ 0.00
Which debts cost you the most each month
No data available
Debts
$ 552,993.53
How your debts are distributed
Primary Mortgage
Long-Term Liabilities
$ 419,145.62
Primary HELOC
Long-Term Liabilities
$ 66,395.34
BofA Auto Loan
Long-Term Liabilities
$ 38,000.00
and 3 more items
Credit Accounts
$ 76,267.58
American Express
Platinum Card®
$ 3,120.33
Chase Bank
Chase Visa Infinite
$ 6,751.91
CrossCountry Lending
Primary HELOC
$ 66,395.34
Loan Accounts
$ 419,145.62
Chase Bank
Primary Mortgage
$ 419,145.62
Loans & Debts
$ 57,580.33
BofA Auto Loan
Auto Loan
$ 38,000.00
Ford Financial
Auto Loan
$ 19,580.33
Your interest rate is higher than it needs to be.
You’re paying 6.75% across your debt.
Two high interest accounts are pushing that up.
Paying those off could bring your rate down to 4.5%.
Blended APR
6.75%
Blended rate across all debt
Monthly interest cost
$ 1,200.00
/mo
What your debt costs each month
Interest drag 12m
$ 14,400.00
What your debt will cost over the next year
Your entire financial picture connected.
Most tools show your finances in pieces.
Accounts.
Investments.
Debt.
Separate.
Knoware brings everything together so you can see how it all connects.
Holdings
Everything you have, in one place
Total Net Worth
$ 456,677.23
Linked Items
My Car
Vehicle
$ 55,000.00
BofA Auto Loan
Auto Loan
$ -38,000.00
NET AMOUNT
$ 17,000.00
My Home
Primary Residence
$ 720,000.00
Chase Bank
Primary Mortgage
$ -419,145.62
CrossCountry Lending
Primary HELOC
$ -66,395.34
NET AMOUNT
$ 234,459.04
Spouse's Car
Vehicle
$ 38,000.00
Ford Financial
Auto Loan
$ -19,580.33
NET AMOUNT
$ 18,419.67
Cash Accounts
$ 24,851.34
Bank of America
BofA Checking
$ 4,126.23
Chase Bank
Chase Checking
$ 5,280.12
Chase Bank
Chase Savings
$ 15,444.99
Credit Accounts
$ 76,267.58
American Express
Platinum Card®
$ 3,120.33
Chase Bank
Chase Visa Infinite
$ 6,751.91
CrossCountry Lending
Primary HELOC
$ 66,395.34
Investment Accounts
$ 171,819.42
Coinbase
Coinbase Wallet
$ 6,332.56
Guideline
Guideline 401(k)
$ 32,568.55
Robinhood
Robinhood
$ 124,681.43
Vanguard
Vanguard Roth IRA
$ 8,236.88
Loan Accounts
$ 419,145.62
Chase Bank
Primary Mortgage
$ 419,145.62
Assets
$ 813,000.00
My Car
Vehicle
$ 55,000.00
My Home
Primary Residence
$ 720,000.00
Spouse's Car
Vehicle
$ 38,000.00
Loans & Debts
$ 57,580.33
BofA Auto Loan
Auto Loan
$ 38,000.00
Ford Financial
Auto Loan
$ 19,580.33
Knoware doesn't just organize your finances
It breaks down what's actually driving your financial movement.
You're not digging through reports to figure it out
It's already clear when you open it.
Everything you'd expect from a financial tool
Without having to figure it out yourself.
When things become clear, something shifts.
You stop second-guessing where you stand.
You stop wondering if you're missing something.
And you can start asking better questions:
Are your assets actually working for you or just sitting there?
What role is your debt really playing in your financial picture?
What's actually driving the changes you're seeing?
Instead of guessing, you can see:
what's working
what needs attention
where you're heading
Your finances stop feeling like something you manage and start feeling like something you understand.
It's not just numbers
It’s your home, your investments, your progress -
everything you’ve built, and where it’s leading.
It’s not something you check.
It becomes how you see your financial life.
Make it yours
Create your profile. Build your avatar.
Add your assets. Upload photos.
See everything come together.
It's not just something you use.
It's something that feels like yours.
Real people. Real support.
No chatbots.
No ticket queues.
No help articles that don’t help.
When you need help, you talk to a real person — someone who understands the product and actually cares.
Concierge support included
It's a white-glove experience.
Because your finances deserve more than a bot.
Engineered, not generated.
The market is full of apps that look good in a screenshot and fall apart the moment you use them.
Knoware wasn’t generated from a template or stitched together from trends.
It was built from firsthand experience —
and designed with intention in how information is structured,
interpreted, and experienced.
Because when it comes to your finances,
clarity isn’t something you leave to chance.
How it works
1
Connect your accounts
Link your banks, cards, and investments in seconds.
2
Knoware organizes everything
Accounts, assets, debts — organized and ready before you are.
3
Know your worth
See everything clearly. Understand what matters.
Know your worth.
Start today.
Set up takes minutes. Clarity stays with you. And so do we.