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See all your accounts, assets, spending, and net worth in one place. Go beyond tracking with the clarity to understand why things are changing and whether you're making the right financial decisions.
Net Worth
Your net worth, over time
Total Net Worth
$ 1,289,307.63
What changed
30d (May 17 → Today)
Assets
$ +210,292.73
+12.0%
Debts
$ +53,873.90
-7.4%
Net worth
$ +168,170.63
+15.0%
Investments
$ 288,366.84
How your portfolio is performing
Performance
+0.89%
$ 1,153.47
Excludes deposits and withdrawals.
Contributions
$ 0.00
Assets
$ 1,962,736.73
How your assets are distributed
My Home
Real Estate
$ 789,000.00
Business
Business Interests
$ 700,000.00
Robinhood
Investments
$ 222,096.72
and 7 more items
Debts
$ -673,429.10
How your debts are distributed
Primary Mortgage
Long-Term Liabilities
$ 438,650.15
Primary HELOC
Long-Term Liabilities
$ 157,800.00
Business Credit Line
Long-Term Liabilities
$ 35,000.00
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
Good morning,
Alex
Net Worth
$ 1,289,307.63
Cash Accounts — $ 131,053.34
Bank of America
Business Checking
$ 112,772.36
Chase Bank
Chase Checking
$ 8,096.72
Chase Bank
Chase Savings
$ 10,184.26
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 (May 17 → Today)
$ 288,366.84
Since May 18
$ 9,751.54
3.50%
Since Yesterday
$ -565.07
-0.20%
Upcoming Payments – next 14 days
Due Soon
8
out • $ 64,107
0
in • $ 0.00
Cash Impact
$ -64,107
Over the next 14 days
Risk Check
1 projected to fall below $0
Chase −$ 19,700 on Apr 11
Accounts
Available Cash
$ 44,027
Across 3 accounts
Last Updated
5
hours ago
All synced
Reauthentication Required
9 disconnected
Accounts need reauthentication
Budget
Current Spend
$ 8,890.40
Total Budgeted
$ 178,712.23
Remaining
$ 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
$ 8,890
↓ 90% vs usual
Biggest Driver
Normal patterns
No unusual spending detected
Spending Pace
No clear pattern
Need more transactions
Securely connect everything
Knoware automatically connects and syncs your accounts, assets, debts, and financial data so you can spend less time maintaining spreadsheets and more time understanding your finances.
Bank-grade encryption
Read-only access
Multi-currency
Real human support
Your data is encrypted, read-only, and never used to move money.
Tracking your finances isn't the same as understanding them
Income
Category
Completion
Budget
Actuals
Difference
Employment Income
78%
$3,200.00
$2,500.00
($700.00)
Full-Time Salary
83%
$3,000.00
$2,500.00
($500.00)
Bonuses
0%
$200.00
$0.00
($200.00)
Investment Income
83%
$300.00
$250.00
($50.00)
Stock Dividends
50%
$200.00
$100.00
($100.00)
Interest from Savings
150%
$100.00
$150.00
$50.00
Real Estate Income
-
-
-
Totals
79%
$3,500.00
$2,750.00
($750.00)
Expense
Category
Completion
Budget
Actuals
Difference
Housing
96%
$1,530.00
$1,465.00
($65.00)
Rent
100%
$1,200.00
$1,200.00
$0.00
Utilities (Water)
80%
$150.00
$120.00
($30.00)
Utilities (Electricity)
83%
$120.00
$100.00
($20.00)
Utilities (Gas)
75%
$60.00
$45.00
($15.00)
Transportation
60%
$50.00
$30.00
($20.00)
Public Transport
60%
$50.00
$30.00
($20.00)
Food
40%
$520.00
$210.00
($310.00)
Groceries
30%
$500.00
$150.00
($350.00)
Dining Out
300%
$20.00
$60.00
$40.00
Insurance
100%
$280.00
$280.00
$0.00
Health Insurance
100%
$180.00
$180.00
$0.00
Auto Insurance
100%
$100.00
$100.00
$0.00
Subscriptions
149%
$95.00
$142.00
$47.00
Streaming
138%
$45.00
$62.00
$17.00
Software
160%
$50.00
$80.00
$30.00
Actual Income
$2,750.00
of $3,500.00 Budgeted
Actual Expense
$1,955.00
of $2,400.00 Budgeted
Actual Savings
$1,000.00
of $850.00 Budgeted
Actual Debt
($50.00)
of $100.00 Budgeted
Actual Transfers
($155.00)
of $150.00 Budgeted
Savings Rate
36%
Debt Payment Rate
2%
Budgets Allocation
100%
69%
24%
3%
4%
$3,500.00
Income
$2,400.00
Expenses
$850.00
Savings
$100.00
Debts
$150.00
Transfers
Actuals Allocation
100%
71%
36%
2%
6%
$2,750.00
Income
$1,955.00
Expenses
$1,000.00
Savings
($50.00)
Debts
($155.00)
Transfers
Monthly Cashflow
- Income
- Expense
- Savings
Expense Breakdown
- Housing
- Transport
- Food
- Insurance
- Subs
- Other
12-Month Trend
- Income
- Expense
- Savings
$4,200.00
Total Income
$3,719.46
Total Expenses
$480.54
Total Net Income
11.4%
Savings Rate
Cash Flow
Dec 1, 2024 - Dec 31, 2024
By category & group
Share
Most financial apps show balances, categorize transactions, and generate endless charts without helping you understand why things are changing or what to do next.
More charts and reports don't make your finances clear. They just give you more work to do.
Knowareturnsfinancialtrackingintofinancial understanding.
Move beyond just seeing your finances to a deeper understanding. Your decisions, debt, spending, and future scenarios all shape where you’re headed. Knoware lets you plan with more confidence and fewer surprises.
Income
Cash
Spending
Investments
Home
Mortgage
Possibilties
Confidencecomesfromunderstanding.
When you understand how your finances work together, future decisions become clear. Unexpected changes become easier to navigate.
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.
Good morning,
Alex
Net Worth
$ 1,289,307.63
Cash Accounts — $ 131,053.34
Bank of America
Business Checking
$ 112,772.36
Chase Bank
Chase Checking
$ 8,096.72
Chase Bank
Chase Savings
$ 10,184.26
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 (May 17 → Today)
$ 288,366.84
Since May 18
$ 9,751.54
3.50%
Since Yesterday
$ -565.07
-0.20%
Upcoming Payments – next 14 days
Due Soon
8
out • $ 64,107
0
in • $ 0.00
Cash Impact
$ -64,107
Over the next 14 days
Risk Check
1 projected to fall below $0
Chase −$ 19,700 on Apr 11
Accounts
Available Cash
$ 44,027
Across 3 accounts
Last Updated
5
hours ago
All synced
Reauthentication Required
9 disconnected
Accounts need reauthentication
Budget
Current Spend
$ 8,890.40
Total Budgeted
$ 178,712.23
Remaining
$ 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
$ 8,890
↓ 90% vs usual
Biggest Driver
Normal patterns
No unusual spending detected
Spending Pace
No clear pattern
Need more transactions
Daily Brief
Good morning
Here's what's new.
Today: $ 11,053
available
↑ $ 103.90
What Changed
•
American Express Payment
•
Draft Purchase
•
Spending 12% lower
Cash Flow Check
•
On track to end the week with $ 11,157
Subscriptions
•
AT&T renews Jun 21 ($ 158.37 )
•
Prime Fitness renews Jun 23 ($ 135.10 )
Net Worth & Investments
•
Net worth ↑ $ 8,896 (+0.7%)
•
Investments ↓ 0.2%
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.
Transactions
Today
1
Coffee
Citibank · Citi Strata Card
Today
$ -4.85 ↓
Yesterday
2
Groceries
Chase Bank · Chase Checking
Yesterday
$ -62.40 ↓
June 14
3
Online order
American Express · Platinum Card®
June 14
$ -128.00 ↓
June 13
4
Payroll deposit
Chase Bank · Chase Checking
June 13
$ 3,250.00 ↑
June 12
5
Fuel
Citibank · Citi Strata Card
June 12
$ -89.12 ↓
June 11
6
Spotify Premium
Citibank · Citi Strata Card
June 11
$ -24.99 ↓
June 10
7
American Express payment
American Express · Platinum Card®
June 10
$ -39,541.05 ↓
June 9
8
Transit pass top-up
Chase Bank · Chase Checking
June 9
$ -17.50 ↓
June 8
9
Dinner
American Express · Platinum Card®
June 8
$ -142.33 ↓
June 7
10
iCloud+
Citibank · Citi Strata Card
June 7
$ -9.99 ↓
June 6
11
Mortgage — Big Bank
Chase Bank · Chase Checking
June 6
$ -2,100.00 ↓
June 5
12
Pharmacy
Citibank · Citi Strata Card
June 5
$ -45.67 ↓
June 4
13
Electricity
American Express · Platinum Card®
June 4
$ -78.20 ↓
June 3
14
Refund — return
Citibank · Citi Strata Card
June 3
$ 42.18 ↑
June 2
15
Monthly account fee
Chase Bank · Chase Checking
June 2
$ -33.00 ↓
June 1
16
Membership
Citibank · Citi Strata Card
June 1
$ -156.90 ↓
May 31
17
Rent — top-up
Chase Bank · Chase Checking
May 31
$ -512.00 ↓
May 30
18
GitHub Pro
Citibank · Citi Strata Card
May 30
$ -19.99 ↓
May 29
19
Auto insurance
American Express · Platinum Card®
May 29
$ -220.45 ↓
May 28
20
Groceries
Citibank · Citi Strata Card
May 28
$ -71.25 ↓
This month's spending
$ 8,342
10% vs usual
Biggest driver
Dining out
+$ 638.22 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
$ 1,289,307.63
What changed
30d (May 17 → Today)
Assets
$ +210,292.73
+12.0%
Debts
$ +53,873.90
-7.4%
Net worth
$ +168,170.63
+15.0%
Investments
$ 288,366.84
How your portfolio is performing
Performance
+0.89%
$ 1,153.47
Excludes deposits and withdrawals.
Contributions
$ 0.00
Assets
$ 1,962,736.73
How your assets are distributed
My Home
Real Estate
$ 789,000.00
Business
Business Interests
$ 700,000.00
Robinhood
Investments
$ 222,096.72
and 7 more items
Debts
$ -673,429.10
How your debts are distributed
Primary Mortgage
Long-Term Liabilities
$ 438,650.15
Primary HELOC
Long-Term Liabilities
$ 157,800.00
Business Credit Line
Long-Term Liabilities
$ 35,000.00
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
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
Not all debt is bad. But some of it costs more than you think. 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
$ -673,429.10
Debt impact
30d window (May 17 → Today)
Helping Your Wealth
Net worth rose while your debt increased over this period.
Borrowing costs
What your debt costs you
Blended APR
7.23%
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
$ 4,059.41
/mo
Interest only — excludes principal payments
Interest drag 12m
$ 48,712.86
Projected interest cost over the next 12 months
Based on known rates
Monthly debt
$ -4,059.41
Which debts cost you the most each month
Primary Mortgage
Long-Term Liabilities
$ 2,376.02
Primary HELOC
Long-Term Liabilities
$ 1,117.75
Business Credit Line
Long-Term Liabilities
$ 233.33
and 3 more items
Debts
$ -673,429.10
How your debts are distributed
Primary Mortgage
Long-Term Liabilities
$ 438,650.15
Primary HELOC
Long-Term Liabilities
$ 157,800.00
Business Credit Line
Long-Term Liabilities
$ 35,000.00
and 3 more items
Credit Accounts
$ -164,778.95
American Express
Platinum Card®
$ -6,392.64
Citibank
Citi Strata Card
$ -586.31
Citizens Financial
Primary HELOC
$ -157,800.00
Loan Accounts
$ -438,650.15
PNC Mortgage
Primary Mortgage
$ -438,650.15
Loans & Debts
$ -70,000.00
Business Credit Line
Credit Line
$ -35,000.00
Capital One Auto Loan
Auto Loan
$ -35,000.00
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
$ -3,788.04
/mo
What your debt costs each month
Interest drag 12m
$ -45,456.46
What your debt will cost over the next year
Everything is connected
Accounts, assets, debts, and transactions are part of the same financial life. Knoware helps you see how they relate, so the full picture finally makes sense.
Holdings
Everything you have, in one place
Total Net Worth
Cash Accounts
$ 131,053.34
Bank of America
Business Checking
$ 112,772.36
Chase Bank
Chase Checking
$ 8,096.72
Chase Bank
Chase Savings
$ 10,184.26
Credit Accounts
$ -225,462.40
American Express
Business Gold Card
$ -60,683.45
American Express
Platinum Card®
$ -6,392.64
Citibank
Citi Strata Card
$ -586.31
Citizens Financial
Primary HELOC
$ -157,800.00
Investment Accounts
$ 288,366.84
Coinbase
Coinbase Wallet
$ 66,270.12
Robinhood
Robinhood
$ 222,096.72
Loan Accounts
$ -438,650.15
PNC Mortgage
Primary Mortgage
$ -438,650.15
Other Accounts
$ 700,000.00
- MB
My Business
Business
$ 700,000.00
Assets
$ 904,000.00
My Car
Vehicle
$ 55,000.00
My Home
Primary Residence
$ 789,000.00
- SC
Spouse's Car
Vehicle
$ 60,000.00
Loans & Debts
$ -70,000.00
Business Credit Line
Credit Line
$ -35,000.00
Capital One Auto Loan
Auto Loan
$ -35,000.00
My Car
Vehicle
$ 55,000.00
Capital One Auto Loan
Auto Loan
$ -35,000.00
NET AMOUNT
$ 20,000.00
My Home
Primary Residence
$ 789,000.00
PNC Mortgage
Primary Mortgage
$ -438,650.15
Citizens Financial
Primary HELOC
$ -157,800.00
NET AMOUNT
$ 192,549.85
Talk to a human, not a bot
When you reach out to Knoware, a real person replies. You shouldn't have to fight a bot to get help.
Support
How can we help?
Conversations
Sam
Knoware Support
12 min ago
Re: Possible duplicate transaction
Hi Alex — took a look. Both are real: one is the actual purchase, the other is a pre-auth your bank held overnight that finally posted today.
Jordan
Knoware Support
3 days ago
Re: Home value seems too high?
Yep, that's our quarterly home value re-pull from public assessment data. If you'd rather use a manual valuation, you can change it under the…
Ava
Knoware Support
Last week
Re: Connecting my brokerage account
All set — your account just synced. You should see balances and holdings in the next few minutes. Let me know if anything looks off.
Jordan
Knoware Support
2 weeks ago
Re: Is my data ever sold?
Short answer: never. Knoware is funded entirely by subscriptions — there's no part of the business that involves sharing or selling user data. Happy…
Jordan
Knoware Support
3 weeks ago
Re: Netflix isn't showing up as recurring
Good catch. Knoware waits for three occurrences before flagging something as recurring — yours had two then a billing gap, which threw it off. I bumped…
Ava
Knoware Support
1 month ago
Re: Coffee shop categorized as Travel
That's a merchant-code mixup from our data provider — the chain has airport locations, so the default tag is Travel. I retagged it for you, and any…
Sam
Knoware Support
2 months ago
Re: My bank keeps disconnecting
Pulled the logs — your bank started requiring re-authentication every 24 hours after their security update last Thursday. We've opened a ticket with…
Hey, I'm seeing what looks like a duplicate transaction at the grocery store. Same amount, same day. Is something off?
You · 9:42 AM
Sam
Knoware Support · replied 12 min later
Hi Alex, I took a look. Both are real: one is the actual purchase, the other is a pre-auth your bank held overnight that finally posted today. They usually clear automatically, but sometimes one lingers.
You can mark it as a duplicate from the transaction details (⋯ menu → This is a duplicate), or just reply and I'll clean it up for you.
- Sam
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