Personal finance made clear.
KnowYourWorth.Instantly.
Track your accounts, spending and net worth, with clear explanations behind every change.
Net Worth
Your net worth, over time
Total Net Worth
$ 1,063,762.91
What changed
30d (Apr 1 → May 1)
$ +138,751.91
+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
$ 1,737,192.01
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
$ 1,063,762.91
Cash Accounts — $ 18,280.98
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 (Apr 1 → May 1)
$ 288,366.84
Since Apr 2
$ 9,751.54
3.50%
Since Apr 30
$ -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
Connect your accounts securely
See your full financial picture in minutes.
Bank-grade encryption
Read-only access
Multi-currency
Real human support
Your data is encrypted and read-only.
Most finance apps show you numbers.
Reports. Tables. 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
They give you more to look at.
Knoware
Know what changed and why
See what's driving change
See what actually needs attention
See what's coming next
Know what to do next
Knoware gives you less to figure out.
More charts and reports don't make your finances clear. They just give you more work to do.
Knoware is designed to do that work for you.
Knowareturnsfinancialdataintosomething you can actually use.
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 morning,
Alex
Net Worth
$ 1,063,762.91
Cash Accounts — $ 18,280.98
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 (Apr 1 → May 1)
$ 288,366.84
Since Apr 2
$ 9,751.54
3.50%
Since Apr 30
$ -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 changed since your last check (6 days ago).
Today: C$ 386,470
available
↑ C$ 281,081
What Changed
•
American Express Payment
•
Draft Purchase
•
Spending 25% higher
Cash Flow Check
•
On track to end the week with C$ 386,470
Subscriptions
•
AT&T renews Yesterday (C$ 58.37 )
•
Depositphotos renews May 8 (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
May 1
1
Coffee
Chase Bank · Chase Visa Infinite
May 1
$ -4.85 ↓
April 30
2
Groceries
Chase Bank · Chase Checking
April 30
$ -62.40 ↓
April 29
3
Online order
American Express · Platinum Card®
April 29
$ -128.00 ↓
April 28
4
Payroll deposit
Chase Bank · Chase Checking
April 28
$ 3,250.00 ↑
April 27
5
Fuel
Chase Bank · Chase Visa Infinite
April 27
$ -89.12 ↓
April 26
6
Spotify Premium
Chase Bank · Chase Visa Infinite
April 26
$ -24.99 ↓
April 25
7
American Express payment
American Express · Platinum Card®
April 25
$ -39,541.05 ↓
April 24
8
Transit pass top-up
Chase Bank · Chase Checking
April 24
$ -17.50 ↓
April 23
9
Dinner
American Express · Platinum Card®
April 23
$ -142.33 ↓
April 22
10
iCloud+
Chase Bank · Chase Visa Infinite
April 22
$ -9.99 ↓
April 21
11
Mortgage — Big Bank
Chase Bank · Chase Checking
April 21
$ -2,100.00 ↓
April 20
12
Pharmacy
Chase Bank · Chase Visa Infinite
April 20
$ -45.67 ↓
April 19
13
Electricity
American Express · Platinum Card®
April 19
$ -78.20 ↓
April 18
14
Refund — return
Chase Bank · Chase Visa Infinite
April 18
$ 42.18 ↑
April 17
15
Monthly account fee
Chase Bank · Chase Checking
April 17
$ -33.00 ↓
April 16
16
Membership
Chase Bank · Chase Visa Infinite
April 16
$ -156.90 ↓
April 15
17
Rent — top-up
Chase Bank · Chase Checking
April 15
$ -512.00 ↓
April 14
18
GitHub Pro
Chase Bank · Chase Visa Infinite
April 14
$ -19.99 ↓
April 13
19
Auto insurance
American Express · Platinum Card®
April 13
$ -220.45 ↓
April 12
20
Groceries
Chase Bank · Chase Visa Infinite
April 12
$ -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
$ 1,063,762.91
What changed
30d (Apr 1 → May 1)
$ +138,751.91
+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
$ 1,737,192.01
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.
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
$ 673,429.10
Debt impact
30d window (Apr 1 → May 1)
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
$ 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
- AE
American Express
Platinum Card®
$ 6,392.64
- CB
Chase Bank
Chase Visa Infinite
$ 586.31
- CL
CrossCountry Lending
Primary HELOC
$ 157,800.00
Loan Accounts
$ 438,650.15
- CB
Chase Bank
Primary Mortgage
$ 438,650.15
Loans & Debts
$ 70,000.00
- BO
BofA Auto Loan
Auto Loan
$ 35,000.00
- BO
Business Credit Line
Credit Line
$ 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
$ 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
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
$ 1,063,762.91
Cash Accounts
$ -94,491.38
- CB
Chase Bank
Business Checking
$ -112,772.36
- CB
Chase Bank
Chase Checking
$ 8,096.72
- CB
Chase Bank
Chase Savings
$ 10,184.26
Credit Accounts
$ 225,462.40
- AE
American Express
Platinum Card®
$ 6,392.64
- CB
Chase Bank
Chase Visa Infinite
$ 586.31
- CL
CrossCountry Lending
Primary HELOC
$ 157,800.00
- VI
Visa
Business Visa
$ -60,683.45
Investment Accounts
$ 288,366.84
- CO
Coinbase
Coinbase Wallet
$ 66,270.12
- RO
Robinhood
Robinhood
$ 222,096.72
Loan Accounts
$ 438,650.15
- CB
Chase Bank
Primary Mortgage
$ 438,650.15
Other Accounts
$ 700,000.00
- CO
Coinbase
Business
$ 700,000.00
Assets
$ 904,000.00
- LE
My Car
Vehicle
$ 55,000.00
- MH
My Home
Primary Residence
$ 789,000.00
- FO
Spouse's Car
Vehicle
$ 60,000.00
Loans & Debts
$ 70,000.00
- BO
BofA Auto Loan
Auto Loan
$ 35,000.00
- BO
Business Credit Line
Credit Line
$ 35,000.00
My Car
Vehicle
$ 55,000.00
BofA Auto Loan
Auto Loan
$ -35,000.00
NET AMOUNT
$ 20,000.00
My Home
Primary Residence
$ 789,000.00
Chase Bank
Primary Mortgage
$ -438,650.15
CrossCountry Lending
Primary HELOC
$ -157,800.00
NET AMOUNT
$ 192,549.85
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Fast enough to check often
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Structured around real questions
Each screen is designed around what you actually want to know.
Human when it matters
Real support, not a maze of canned replies.
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It's not just something you use.
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Know your worth.
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