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 9 → 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 afternoon,
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 9 → Today)
$ 171,819.42
Since Mar 10
$ 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.
What Knoware does
Not more data. Real understanding.
Knoware turns financial data into something you can actually use.
Every screen is built to answer a question
What changed?
What’s driving it?
What comes next?
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
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
More information without the overwhelm.
And finally, usable.
Connected
It connects what you have, how it’s moving, and what’s driving the changes.
Clear
Now you can understand your financial position clearly and know what steps to take next.
Tailored
Built around your actual financial picture not a generic dashboard
Understanding
Not just tracking what happened — understanding what’s driving it.
Seeing what you have isn't the same as knowing:
what's actually growing your wealth
what's costing you
what's changing - and why
what to do next
Knoware makes sense of it all in one place.
Here's what that actually looks like.
Clarity the moment you open it.
Start with a clear view of your financial position —
and what needs your attention right now.
Knoware brings what matters into clear view immediately.
You don’t have to go looking for answers.
You see them right away.
You don’t have to figure it out.
You can see it immediately.
Good afternoon,
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 9 → Today)
$ 171,819.42
Since Mar 10
$ 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 afternoon
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 13 (C$ 58.37 )
•
Depositphotos renews Apr 15 (C$ 40.45 )
Net Worth & Investments
•
Net worth ↑ C$ 5.49M (+38.8%)
•
Investments ↓ 5.1%
Have a great day!
Not just what changed but what's driving it.
See what's actually driving movement in your finances.
We break down:
why your net worth changed
what's contributing to it
what actually matters
So you're not left wondering if something's wrong - or what to do next.
Net Worth
Your net worth, over time
Total Net Worth
$ 456,677.23
What changed
30d (Mar 9 → 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 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.