Know what to do with your money.
Knoware brings your finances together, finds opportunities to improve and warns you about hidden risks so you can protect and grow your money with confidence.
Net Worth
$ 742,918.44
$ +1,939 (+0.3%)
since Yesterday
From Aug 14
Last updated Today
Available Cash
$ 29,789.17
Across all cash accounts
$ 27,304
available after upcoming obligations
−
$ 2,486
due in the next 14 days
Chase Bank
Everyday Checking ••4021
$ 1,182.45
Chase Bank
High-Yield Savings ••7788
$ 28,606.72
American Express
Platinum Card ••1009
$ -4,215.88
and 4 more accounts
Need to know
Projected cash shortfall
Your Everyday Checking is projected to fall $ 963 below zero on Sep 14.
Fix this
Spending is running high
Restaurants are 34% above your usual monthly pace.
See spending
$ 19,429 in savings could be working harder
That's more than you need for near-term cash flow, so some of it could be earning more elsewhere.
See options
This Month's Spend
Current spend
$ 4,511
↓ 13% vs usual
Spending Pace
$ 250.59
/ day
Trending lower
Housing
$ 2,380
Groceries
$ 812.44
Restaurants
$ 486.10
Transportation
$ 312.75
and 3 more
Investments
Portfolio value
$ 412,680
Investment return
+11.2%
Real return
+8.4%
After deposits, withdrawals, inflation and currency movements.
+11.2%
Investment return
+8.4% after inflation
Benchmark +8.7%
What drove your return
Equities
$ +28,136
Fixed income
$ +4,965
Currency movement
$ +5,334
Fees
$ -1,100
Inflation
$ -9,334
Your investments earned
$ 37,335
Deposits and withdrawals excluded. Currency effects included.
Budget
Safe to spend
$ 2,840.00
$ 5,326
budget remaining
−
$ 2,486
still needed for expected expenses
You're on track
About $ 237/day available for the rest of September.
$ 9,836
monthly budget
$ 4,511
spent
$ 2,486
expected
$ 2,840
safe
Upcoming Payments – next 14 days
Sep 14
Mortgage Payment
Chase Bank · Everyday Checking ••4021
Transaction Amount
$ -2,145.00
Projected Balance
$ -962.55
Sep 15
Acme Corp Payroll
Chase Bank · Everyday Checking ••4021
Transaction Amount
$ +3,250.00
Projected Balance
$ 2,287.45
Sep 17
Verizon
Citibank · Rewards Visa ••6512
Transaction Amount
$ -94.20
Projected Balance
$ -1,186.65
Sep 19
State Farm
Chase Bank · Everyday Checking ••4021
Transaction Amount
$ -186.40
Projected Balance
$ 2,101.05
Sep 21
Planet Fitness
Citibank · Rewards Visa ••6512
Transaction Amount
$ -24.99
Projected Balance
$ -1,211.64
and 2 more
Transactions
Needs review (12)
Bridgehead Coffee
Rewards Visa ••6512
Today
$ -4.85
Farm Boy
Everyday Checking ••4021
Yesterday
$ -62.40
Needs Review
Amazon
Platinum Card ••1009
September 10
$ -128.00
Acme Corp Payroll
Everyday Checking ••4021
September 9
$ +3,250.00
Shell
Rewards Visa ••6512
September 8
$ -89.12
and 3 more
See your entire financial picture in one view.
What you don't know can cost you.
Tracking your finances doesn't mean you're making the most of them.
Missed opportunities can slow your progress.
Hidden risks can cost you money.
Knoware helps you see both.
Built from experience. Not hype.
Knoware wasn't built to chase a trend. It was built from more than 30 years of experience creating software, building successful companies and managing complex real-world finances.
30+
years
Building software
2+
million
People have used software we've built
We will be here when you need us.
Built for the long haul
Well-funded
Experienced
Focused on one mission
Go beyond financial tracking.
Most finance apps can show you your money. Even a hand-built spreadsheet can do that. But many people look at their finances and think, "Now what? Where do I start?"
Tracking apps
Show you your money
They track transactions, budgets, investments and net worth. But seeing the numbers doesn't always tell you what to do with them.
AI assistants
Only answer what you ask
They can answer almost anything about your finances, but they wait for you to know the right questions to ask.
Knoware
Knows what matters
It doesn't wait for you to figure it out. Knoware shows you where to start, finds opportunities to improve and warns you about hidden risks.
Knoware answers the questions you didn't think to ask.
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.
Net Worth
$ 742,918.44
$ +1,939 (+0.3%)
since Yesterday
From Aug 14
Last updated Today
Available Cash
$ 29,789.17
Across all cash accounts
$ 27,304
available after upcoming obligations
−
$ 2,486
due in the next 14 days
Chase Bank
Everyday Checking ••4021
$ 1,182.45
Chase Bank
High-Yield Savings ••7788
$ 28,606.72
American Express
Platinum Card ••1009
$ -4,215.88
and 4 more accounts
Need to know
Projected cash shortfall
Your Everyday Checking is projected to fall $ 963 below zero on Sep 14.
Fix this
Spending is running high
Restaurants are 34% above your usual monthly pace.
See spending
$ 19,429 in savings could be working harder
That's more than you need for near-term cash flow, so some of it could be earning more elsewhere.
See options
This Month's Spend
Current spend
$ 4,511
↓ 13% vs usual
Spending Pace
$ 250.59
/ day
Trending lower
Housing
$ 2,380
Groceries
$ 812.44
Restaurants
$ 486.10
Transportation
$ 312.75
and 3 more
Investments
Portfolio value
$ 412,680
Investment return
+11.2%
Real return
+8.4%
After deposits, withdrawals, inflation and currency movements.
+11.2%
Investment return
+8.4% after inflation
Benchmark +8.7%
What drove your return
Equities
$ +28,136
Fixed income
$ +4,965
Currency movement
$ +5,334
Fees
$ -1,100
Inflation
$ -9,334
Your investments earned
$ 37,335
Deposits and withdrawals excluded. Currency effects included.
Budget
Safe to spend
$ 2,840.00
$ 5,326
budget remaining
−
$ 2,486
still needed for expected expenses
You're on track
About $ 237/day available for the rest of September.
$ 9,836
monthly budget
$ 4,511
spent
$ 2,486
expected
$ 2,840
safe
Upcoming Payments – next 14 days
Sep 14
Mortgage Payment
Chase Bank · Everyday Checking ••4021
Transaction Amount
$ -2,145.00
Projected Balance
$ -962.55
Sep 15
Acme Corp Payroll
Chase Bank · Everyday Checking ••4021
Transaction Amount
$ +3,250.00
Projected Balance
$ 2,287.45
Sep 17
Verizon
Citibank · Rewards Visa ••6512
Transaction Amount
$ -94.20
Projected Balance
$ -1,186.65
Sep 19
State Farm
Chase Bank · Everyday Checking ••4021
Transaction Amount
$ -186.40
Projected Balance
$ 2,101.05
Sep 21
Planet Fitness
Citibank · Rewards Visa ••6512
Transaction Amount
$ -24.99
Projected Balance
$ -1,211.64
and 2 more
Transactions
Needs review (12)
Bridgehead Coffee
Rewards Visa ••6512
Today
$ -4.85
Farm Boy
Everyday Checking ••4021
Yesterday
$ -62.40
Needs Review
Amazon
Platinum Card ••1009
September 10
$ -128.00
Acme Corp Payroll
Everyday Checking ••4021
September 9
$ +3,250.00
Shell
Rewards Visa ••6512
September 8
$ -89.12
and 3 more
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 Sep 17 ($ 158.37 )
•
Prime Fitness renews Sep 19 ($ 135.10 )
Net Worth & Investments
•
Net worth ↑ $ 8,896 (+0.7%)
•
Investments ↓ 0.2%
Have a great day!
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.
Total Net Worth
Real Estate
29%
Business Interests
25%
Investments
10%
Cash & Cash Equivalents
5%
Personal Property
4%
Short-Term Liabilities
2%
Long-Term Liabilities
24%
Short-Term Liabilities
<1%
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
Find opportunities
Discover ways to improve.
Opportunities
Grow your money without earning more.
Knoware opportunity
+$231K
potential additional net worth over 10 years
Found for you
4
opportunities found
Now
in 10 years
$1.81M
With opportunities
+$231K
Knoware opportunity
$1.58M
Current path
What closes the gap
1
+$15.7K
Put idle cash to work
2
+$18.9K
Optimize debt
3
+$109.7K
Invest more each month
4
+$86.2K
Reduce investment fees
4
opportunities found
See how small changes today could change your financial future.
1
Cash earning too little
Your savings could earn $ 1,221 more per year
In your projection
$ +15,725
over 10y
2
Debt optimization
Your cash is earning 0.5% while your blended debt costs 7.9%
In your projection
$ +18,855
over 10y
3
Budget opportunity
You could invest another $ 710/month without changing your budget
In your projection
$ +109,698
over 10y
4
Investment fees
$ 144,438 of your portfolio costs 1.7% a year more than an equivalent fund
In your projection
$ +86,243
over 10y
Knoware found opportunities worth +$231K
Potential additional net worth over 10 years
$ +15.7K
idle cash
$ +18.9K
debt
$ +109.7K
monthly investing
$ +86.2K
fees
Spot hidden risks
Catch problems before they become expensive.
Risk analysis
Knoware looks across your finances for risks that are easy to miss.
4
risks worth your attention
1 High · 2 Moderate · 1 Low
30
risk checks completed
26 clear
·
4 need attention
Your financial risk scan
Knoware checks for risks across six areas of your finances.
Investments
4 clear · 1 finding
Cash Flow
4 clear · 1 finding
Debt
4 clear · 1 finding
Resilience
5 checks
All clear
Growth
4 clear · 1 finding
Protection
5 checks
All clear
What's putting you at risk
See what's driving your risk and how each one could affect your financial future.
1
Hidden investment concentration
38% of your net worth has overlapping technology exposure across brokerage accounts, ETFs and funds.
-$84,693
if technology falls 30%
2
Spending is growing faster than income
You still have a $ 2,840 monthly surplus, but spending is growing more than twice as fast as income.
Income
+4.2%
Spending
+9.8%
18 months
until your monthly surplus disappears
3
Variable-rate debt exposure
42% of your debt is exposed to changing rates. Cards already carry $ 5,308.
+$2,621/year
if rates increase 2%
4
Upcoming cash-flow pressure
$ 2,474 of outflows are concentrated within 12 days against $ 1,182 currently available in checking.
-$1,291
projected checking shortfall
Technology concentration
38%
overlapping technology exposure
-$84,693
if technology falls 30%
Brokerage
$ 42,300
Retirement
$ 52,400
ETFs
$ 187,609
$ 282,309
combined technology exposure
Hidden concentration risk
38% of your net worth is exposed to technology across your brokerage, retirement accounts and ETFs.
38%
Net worth exposure
$ 282.3K
Combined technology exposure
$ -84.7K
If technology falls 30%
Knoware found the overlap across 7 holdings and 3 accounts.
See the future before you live it.
Test major decisions against different financial futures before you make them.
Confidence
See the future before you live it.
The decision you’re testing
Buy a $700K home
$240K
down, from selling your home
$460K
mortgage at 6.4%
$3,182
a month, all in
+$802
more than you pay today
October 2027
closing
Tested against
This decision still holds up
You take a $260K hit at the worst point of a repeat of 2008, maintain your cash reserve, and recover your pre-purchase net worth within 3.6 years. Your long-term goals remain on track.
Now
in 10 years
Home purchased
Downturn begins
Pre-purchase net worth recovered
$1.34M
If you don't move
$1.04M
If you buy — $309K less
Worst drop
-$260K
peak decline in projected net worth
Time to recover
3.6 yrs
to recover pre-purchase net worth
Lowest cash
$31K
lowest projected cash, above your $16K reserve
Retirement goal
On track
$1.04M projected net worth in 10 years
How this decision holds up
The same decision, run against every environment. Select one to redraw the projection above.
3 of 4 hold up
1 needs attention
Base case
Strong
Markets and inflation behave the way your plan already assumes.
Cash holds above $31K
Pre-purchase net worth recovered in 1.1 years
Retirement on track at $1.29M
2008 financial crisis
Holds up
Markets fall 37%, house prices slide 18%, hiring freezes.
Cash holds above $31K
Pre-purchase net worth recovered in 3.6 years
Retirement on track at $1.04M
Great Depression
Needs attention
Four years of falling markets, falling prices and a quarter of the country out of work.
Cash bottoms out at $7K, under your $16K reserve
Pre-purchase net worth not recovered in 10 years
Retirement at risk at $705K
High inflation
Strong
Prices run at 6.5% for four years and markets go nowhere.
Cash holds above $31K
Pre-purchase net worth recovered in 0.3 years
Retirement on track at $1.35M
Why this decision holds up in 2008
Most of the modeled damage comes from your investments, not the home itself. Your mortgage payment remains stable, so the recovery is primarily a matter of rebuilding market losses over time.
Why this decision still works
Checked against 2008.
Cash reserve holds
$31K lowest projected cash, above the $16K you keep on hand.
Mortgage remains manageable
Peak housing cost of $3,182 a month remains within modeled cash flow in every month.
Retirement stays on track
$1.04M projected net worth in 10 years, against the $911K the goal needs.
One scenario needs attention
Great Depression pushes cash below the preferred reserve for 24 months.
3 of 4 futures hold up
Your plan survives every moderate future; Depression is where it strains.
Base case
2008 crisis
High inflation
Depression
$31K
lowest cash
3.6 yrs
recovery
On track
retirement
Understanding your money shouldn't cost money.
That's why everything you need to track and understand your finances is included with Knoware, free.
Included, free
Everything you need to understand your whole financial picture.
Connect your accounts
Track your money
Understand how everything fits together
Find opportunities and hidden risks
Financial Navigation
For when you need to decide where to go next.
Model decisions before you make them
Run simulations
Explore different paths
See how today's choices could shape your financial future
No trial
No countdown
No stripped-down demo
No artificial limits
Knoware is free. Navigation is there when you need it.
So what's in it for us?
Your trust.
Step one
We give it away
We aim to make Knoware better than the paid alternatives and give it to you for free to earn your trust.
Step two
You use it
The more useful Knoware becomes to you, the more trust we have a chance to earn.
Step three
We offer you more
If Knoware earns your trust, Financial Navigation is there when you need help with bigger decisions.
Love it?
Great.
Keep using it for as long as you like. Tell someone about it.
Don't?
That's okay.
You used Knoware for free and hopefully learned something useful along the way.
Knoware should be one of the easiest financial decisions you make.
Your financial life is private. Keep it that way.
Using Knoware shouldn't mean giving up your financial privacy.
By design
Privacy built in
Knoware is built so our team can't just browse through your finances. Your data is encrypted and kept private.
Never sold
Not the product
We don't sell your personal financial data or build an advertising business around your finances.
Our incentive
We grow by being useful
Our business grows by giving you more value over time, not by selling access to your financial life.
Your data is for you. Not advertisers.
Know what to do with your money.
Set up takes minutes. Clarity stays with you.