Every feature, one philosophy.
Not another boring finance app.
Knoware isn't here to give you more charts, more reports, or more work. It's here to give you clarity — about what changed, what matters, and what to do next.
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.
Knoware doesn't move your money. It helps you understand it.
One financial life
Your whole financial life — not just your accounts.
Automatic account sync
Connect in seconds. No CSVs, no spreadsheets, no manual work — unless you really want to.
Everything you own and owe
Cars, homes, art, crypto, investments — beside your accounts, not separate from them.
Linked holdings
Home minus mortgage equals equity. Knoware does the math and shows the real number.
Multi-currency, done right
Held in native currency, shown in yours. FX impact is surfaced, not hidden.
Works anywhere
Web, iOS, Android, tablets. Same clarity, every device.
Explanation, not reporting
Most apps show you a chart. Knoware tells you the story.
Net worth, explained
Not just a line going up or down — the drivers behind every change.
True investment performance
Separates the market from your contributions and strips out currency noise. XIRR, not vanity numbers.
Asset performance
See which assets are actually building your wealth — and whether they're outpacing what your debt is costing you.
Debt impact
Every debt is either productive or destructive. Knoware tells you which, in real dollars per month.
Financial health score
Leverage, liquidity, resilience — translated into healthy, needs attention, or action required.
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
$ 456,677.23
What changed
30d (Mar 14 → Apr 13)
$ +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 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
Forward-looking
Know you're covered — before the bills hit.
Daily brief
A once-a-day check-in that tells you what matters today, what changed, and what's coming. Acknowledge it and move on.
Coverage check
Every account is flagged Covered, Tight, or At Risk for the next 14 days. No mental math.
Subscriptions & recurring
We surface the subscriptions you forgot about — and show what they cost you per year.
Future projections
See your balance, spend, and net worth months in advance. Catch overspending before it's too late.
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 evening,
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 27 → Today)
$ 171,819.42
Since Mar 28
$ 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 evening
Here's what changed since yesterday.
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 May 1 (C$ 58.37 )
•
Depositphotos renews May 3 (C$ 40.45 )
Net Worth & Investments
•
Net worth ↑ C$ 5.49M (+38.8%)
•
Investments ↓ 5.1%
Have a great day!
Budget, reimagined
Budgets that adapt to you — not the other way around.
Auto budgets
Built from how you actually spend, not from a blank template you'll never finish.
Custom categories & targets
Tune anything. Sliders, not forms.
Irregular expenses, handled
Annual, semi-annual, quarterly — finally treated like real budget items.
Projected spend
"If you keep going like this, you'll land at X." Adjust early, not after.
Category pressure & runway
Which categories are heating up, and how many days until you blow past your budget.
Transactions
Search your money like you search the web.
Transaction enrichment
Merchants cleaned, categories applied, logos and locations attached — automatically.
Semantic search
Ask in plain language. "Restaurants in Lisbon over $50" just works. Others do keyword matching — easier for them, harder for you.
Bulk tagging & categorization
Fix or organize hundreds of transactions in seconds.
Unusual activity detection
Potential fraud, double charges, and odd spikes surfaced automatically.
Tags your way
Trips, projects, tax prep — tag once, filter forever.
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
Today
1
Coffee
Chase Bank · Chase Visa Infinite
Today
$ -4.85 ↓
Yesterday
2
Groceries
Chase Bank · Chase Checking
Yesterday
$ -62.40 ↓
April 24
3
Online order
American Express · Platinum Card®
April 24
$ -128.00 ↓
April 23
4
Payroll deposit
Chase Bank · Chase Checking
April 23
$ 3,250.00 ↑
April 22
5
Fuel
Chase Bank · Chase Visa Infinite
April 22
$ -89.12 ↓
April 21
6
Spotify Premium
Chase Bank · Chase Visa Infinite
April 21
$ -24.99 ↓
April 20
7
American Express payment
American Express · Platinum Card®
April 20
$ -39,541.05 ↓
April 19
8
Transit pass top-up
Chase Bank · Chase Checking
April 19
$ -17.50 ↓
April 18
9
Dinner
American Express · Platinum Card®
April 18
$ -142.33 ↓
April 17
10
iCloud+
Chase Bank · Chase Visa Infinite
April 17
$ -9.99 ↓
April 16
11
Mortgage — Big Bank
Chase Bank · Chase Checking
April 16
$ -2,100.00 ↓
April 15
12
Pharmacy
Chase Bank · Chase Visa Infinite
April 15
$ -45.67 ↓
April 14
13
Electricity
American Express · Platinum Card®
April 14
$ -78.20 ↓
April 13
14
Refund — return
Chase Bank · Chase Visa Infinite
April 13
$ 42.18 ↑
April 12
15
Monthly account fee
Chase Bank · Chase Checking
April 12
$ -33.00 ↓
April 11
16
Membership
Chase Bank · Chase Visa Infinite
April 11
$ -156.90 ↓
April 10
17
Rent — top-up
Chase Bank · Chase Checking
April 10
$ -512.00 ↓
April 9
18
GitHub Pro
Chase Bank · Chase Visa Infinite
April 9
$ -19.99 ↓
April 8
19
Auto insurance
American Express · Platinum Card®
April 8
$ -220.45 ↓
April 7
20
Groceries
Chase Bank · Chase Visa Infinite
April 7
$ -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
The personal layer
Not just something you use — something that feels like yours.
Your avatar, your profile
Knoware starts with identity, not data. Build an avatar you actually want to look at.
Photos on your assets
Your car, your home, your collection — not faceless rows in a ledger.
Clear explanations, no jargon
We explain what things mean, so you never feel behind.
Real human support
No chatbots. No forums. No dead-end help articles. A person, when it matters.
Security & compliance
Bank-grade encryption, read-only connections, no selling your data. Ever.
Two philosophies. Pick the one that respects your time.
Most finance apps treat your money like a dashboard to decorate. We treat it like a decision you need to make.
Them
More charts. More reports. More work for you.
They hand you a dashboard and say figure it out. It looks impressive in a screenshot. It tells you almost nothing about your life.
Sankey diagrams. Pie charts stacked on pie charts. Exportable reports no one will read. Pretty. Cold. Unhelpful.
More tools. More confusion. Same result.
Us
Understanding through simplicity.
Finance doesn't need to be harder. It needs to be understood. The hard part isn't making it look complex — it's making it feel clear.
That's our job. Not yours.
Fewer charts. More clarity. Better decisions.
Know your worth.
Start today.
Set up takes minutes. Clarity stays with you. And so do we.