Your financial life Fully understood
Not more charts. Not more work. Just clarity, control, and confidence in the decisions you make.
Automatic setup
Ready in minutes
No CSV imports.
No manual tracking (unless you're into that sort of thing).
No hours spent organizing your finances before you can use them.
Just connect your accounts and you're done.
+18,000 institutions across the US and Canada.
Everything in one place
Cash, credit, investments, assets, debts. Fully connected and always up to date.
Assets, not just accounts
Homes, cars, collectibles, crypto, even a business. Tracked alongside your cash, cards, and investments.
Cash
$45K
Investments
$312K
Real Estate
$680K
Debts
−$87K
Net Worth
$950,892
+12.4% YTD
One connected financial picture
Every account, asset, and liability rolled up into a single figure you can trust at a glance.
Multi-currency
Track everything across currencies with real-time conversion built in.
LIVE FX
€
5,000
EUR
£
3,200
GBP
¥
800K
JPY
C$
8,400
CAD
Total in USD
$ 20,892
It all fits together
Link anything to anything. Tie properties to mortgages, cars to loans, accounts to businesses.
Your home
Mortgage
HELOC
Your car
Auto loan
Bank account
Business
Your finances are connected. Knoware helps you understand how changes in one area ripple through the rest.
You shouldn't have to go looking for answers
Knoware surfaces what matters automatically. Changes, risks, trends, and things worth your attention.
Daily Brief
A quick snapshot of what changed and what you need to know now.
Net worth
+$3,240
You'll hit your savings goal 2 weeks early at this pace.
3 bills due this week
$2,340
Today's spending
$127.40
Cash flow this month
+$3,450
Starbucks
$5.75
Shell Gas Station
$42.10
Amazon Prime · $14.99
Whole Foods Market
$87.32
DoorDash · Tacos Tu Madre
$34.50
Smart Categorization
Transactions are enriched and categorized automatically.
Clear Explanations
No financial jargon. Just plain-language insights.
Your savings rate
Healthy
Credit utilization
28%
You're spending less on coffee but more on dining out. Net change: −$45/mo
Emergency fund
4.2 months
Spending vs. last month
−8%
Netflix
$15.99
Whole Foods Market
$124.50
Unknown merchant · $899.00
Salary deposit
+$4,500.00
Shell Gas Station
$48.20
Unusual Activity Detection
Spot strange charges, spikes, or potential over charges early.
Stay ahead of your spending
Flexible budgeting and upcoming payment awareness designed to help you plan ahead without micromanaging every transaction.
Auto Budgets
Built automatically based on how you actually spend.
Groceries
$487
/ $650
Dining out
$312
/ $400
Adjusted Travel up to $850/mo for July.
Transportation
$186
/ $250
Home & utilities
$295
/ $350
Groceries
Coffee shops
Cooper's vet & food — your custom category.
$184/mo
Pickleball gear
Everything else
Custom Categories
Add structure where you want it. Stay flexible where you don't.
Irregular Expenses
Handle annual, semi-annual, and irregular costs naturally.
Auto insurance
$92/mo
Property tax — $4,800 due Nov 15
$400/mo
Costco membership
$10/mo
Holiday gifts
$100/mo
Domain renewals
$4/mo
Netflix
$15.99
Spotify Family
$16.99
ClassPass — no usage for 4 months. Cancel?
$79/mo
iCloud 2TB
$9.99
Adobe Creative Cloud
$659.88
Subscriptions and Upcoming Payments
Find unused subscriptions and get notified of upcoming payments.
See what's coming
Project your cash flow, account balances, and net worth forward. Spot gaps early. Adjust before it becomes a problem.
Forecast Balances
You're not stuck in the past. See where every account is headed so you can make better decisions for the future.
Checking · 8 months
Past 4 months → Projected 4 months
Lowest: $2,100 in August
Property tax + back-to-school both hit.
Today
$4,800
In 4 mo
$5,400
Lowest
$2,100
Cash flow · next 6 months
Surplus vs. shortfall after recurring expenses
May
Jun
Jul
Aug
Sep
Oct
Aug · −$1,450 short
Move $250/mo starting May to cover it.
6mo surplus
+$8,550
Shortfall months
1
Cushion needed
$1,500
Spot Cash Flow Gaps
Catch the months where expenses outpace income before they happen, with enough lead time to adjust.
Project Your Future
Watch your net worth trajectory unfold over years, with milestones along the way and a clear view of what you're building toward.
Net worth · 10 year projection
Based on your saving and investment patterns
$500K · 2030
$1M · 2033
By 2035
$1.33M
Today
$250K
$1M crossed
2033
In 10 years
+$1.08M
Explore the what ifs
Financial decisions rarely happen in a vacuum. Model different scenarios, test future outcomes, and see how different choices could shape your financial future.
Scenario Modeling
Explore how market shifts, major purchases, debt changes, or life events could affect your finances over time.
Buy $850K home in 2027
−$340K cash
Take a 6-month sabbatical
−$48K saving
Both together → retirement delayed 4 yrs
Salary +20% by 2028
+$340K by 2035
Have a child in 2028
−$310K total
Job loss · 6 months
8.4 mo runway
Medical emergency · $15K
Covered
Recession (−40% portfolio) → retirement delayed 2 yrs
Interest rates +3%
+$340/mo
8% inflation · sustained 3 yrs
73% protected
Stress Test Your Finances
See how resilient your financial position is under different conditions so you can plan ahead with more confidence.
Compare Outcomes
Test different paths side by side and understand the long-term impact of financial decisions before making them.
Path A · Buy $850K home
$1.42M
Path B · Rent + invest the difference
$1.68M
Path B wins by +$260K over 10 yrs
Path A breakeven
2040
Path B flexibility
+$1,600/mo invested
Understand what's actually moving your net worth
Not all financial decisions affect your future equally. See what's helping you grow and what's holding you back.
Asset Performance
Identify your strongest growth drivers and where to focus.
Tech-heavy ETF · VTI
+18.4%
Primary residence
+5.2%
Crypto holdings
+12.1%
Bond fund
−1.4%
High-yield savings
+0.8%
Account value change
+12.4%
Time-weighted return
+9.8%
Real return — +6.2% annualized
+6.2%
Inflation drag
−3.1%
FX impact (CAD → USD)
−0.5%
Investment Returns
Annualized, inflation-adjusted, and currency-adjusted. Not just "your account value went up" but why it went up.
Debt Impact
Understand the real cost of your debt over time, not just the balance.
Mortgage · 6.2%
$312K interest
Credit card — $2,100 / yr in interest
24.99%
Auto loan · 7.5%
$4,200 interest
Student loan · 5.5%
$7,800 interest
HELOC · 8.2%
Total debt cost · lifetime
$326,200
Know where you stand
Direct signals that show where you're strong, where you're at risk, and what needs attention.
Financial Health
Leverage, liquidity, and resilience at a glance. The structural health of your net worth, not just its size.
28%
of assets
Leverage
HEALTHY
4.2
runway
Liquidity
WATCH
7.8
covered
Resilience
HEALTHY
Liquidity is the one to watch — 4.2 months of cash on hand
Groceries
$620 · typical $500–$700
Dining out
$410 · typical $200–$320
Transport
$210 · typical $150–$250
Subscriptions
$86 · typical $80–$100
Travel
$20 · typical $50–$200
Spending Stability
See when spending drifts outside your normal patterns.
Debt Load
Understand whether your debt is working for you or against you.
Mortgage 3.2% locked for 27 more years
WORKING FOR YOU
Student loan · 5.5%
STABLE
Auto loan · 7.5%
DRAGGING
Credit card · 24.99%
BLEEDING
Net debt verdict
Mostly working for you — clear the credit card and it's all upside.
Find anything instantly
Find any transaction using meaning, not just keywords — even if you don't remember exactly what to search for.
May 03, 2026
Costco
Groceries · Issaquah, WA
−$284.50
Apr 28, 2026
Comcast
Internet · Subscription
−$89.99
Feb 18, 2026
Trader Joe's
Groceries · Seattle, WA
−$64.12
Aug 21, 2025
Equinox
Fitness · Subscription
−$215.00
Aug 14, 2025
Joe's Pizza
Restaurants · Brooklyn, NY
Italian dinner · NYC · Aug 2025
−$42.18
Jul 28, 2025
Lucali
Restaurants · Brooklyn, NY
Pizza dinner · NYC · Jul 2025
−$96.50
Jul 19, 2025
Carbone
Restaurants · Greenwich Village, NY
Italian dinner · NYC · Jul 2025
−$312.40
Jun 17, 2025
Delta Airlines
Travel · SEA → JFK
−$412.30
ASK ANYTHING · SEMANTIC SEARCH
“Dinner in New York last summer”
3 matches
· ranked by meaning, not keywords
0.08s
Finance that feels like yours
Your avatar
Most finance apps treat your life like a spreadsheet. Knoware doesn't. Add an avatar. Upload photos of the home you live in, the car you drive, the collection you're building. See the life behind the numbers, not just the numbers.
Make it yours. Infinite combinations.
It's your financial life. It should look like it.
Home
$680,000
5 photos · primary residence
Car
$42,800
IMG_4231.jpg
Watches
$18,400
12 photos · collectibles
Bike
$5,200
IMG_8841.jpg
Your things, not abstractions
Upload photos of your home, your car, your collectibles. See the beauty in what you've built.
A different philosophy
Finance doesn't need more complexity. It needs clarity.
Knoware helps you understand, decide, and act. Not analyze endlessly.
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
Need to know
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 (Jun 26 → Today)
$ 288,366.84
Since Jun 27
$ 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
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 Jul 31 ($ 158.37 )
•
Prime Fitness renews Aug 2 ($ 135.10 )
Net Worth & Investments
•
Net worth ↑ $ 8,896 (+0.7%)
•
Investments ↓ 0.2%
Have a great day!
OVERVIEW
P&L
RISK
ALLOCATION
REPORTS
QTD ▾
USD ▾
NAV Trend
+1.84%
Cashflow Q4
Allocation
12 funds
Volatility σ
30D
MTD Return
vs SPY
+1.84%
α 0.92
Risk Matrix
Top Losers
NVDA
−4.2%
TSLA
−2.8%
AMZN
−1.4%
MSFT
−0.6%
Debt/Equity
0.62
FX Exposure
Revenue Mix
YoY
Ratios
P/E
24.2
ROE
18%
β
1.21
Yield
2.1%
Y/Y Change
+12.4%
Complexity does not equal clarity.
More charts won't make you a better decision-maker.
More charts. More reports. More tools.
They look powerful. They don't make you better.
Works everywhere
Web, mobile, and any device you use.
Secure by design
Bank-grade encryption and read-only access.
Always up to date
Your data syncs automatically in the background.
More confidence
Fewer surprises
Set up takes minutes. Clarity stays with you.