Your monthly money check-in — in minutes.
A calm monthly view of your money — what changed, the pressure points, and the next useful action.
No bank connections required · Takes 2–3 minutes
// What you'll get in 2 minutes
What you'll seeA clear view of your financial position
Net worth, cash flow, and what's actually driving the numbers — in one screen.
Key ratios used by financial analysts
Liquidity, leverage, and free cash flow margin, benchmarked against institutional norms.
Your top 3 priorities to improve
Specific, ranked directives — what to fix first, with a target and a timeline.
A structured, business-style review
The kind of monthly briefing a CFO would prepare — applied to your household.
// What we measure
Liquidity & runway
How many months your cash actually covers. Built like a CFO would model it, not like a budgeting app.
Leverage & solvency
Debt-to-income, debt-to-assets, housing ratio — flagged against institutional benchmarks.
Free cash flow margin
What your household actually retains each month — with directives to widen the margin.
// Privacy posture
Built for clarity — not surveillance.
Personal CFO is designed to help you think about your finances, not track your every move.
No bank connections by design
We don't connect to your accounts or scrape transactions. You stay in control of what you share.
Your data stays yours
Your financial data is private to your account. It is never sold or shared.
Deliberate, not passive
This is a monthly financial review, not a real-time tracker. Automated feeds often get lost in the noise.
Controlled support access
Support can only access your data if you explicitly allow it — and every access is logged.
Most people don't know where they actually stand financially — until they see it clearly.
// Prefer to explore first?
Open a full example check-in — a fully populated profile with three years of history, charts, priorities, and goals. No login required.
Early Career Professional
24–26, two years in, first pay rise — saving for a house and a wedding.
Young Family Professional
32–38, homeowner with a young child — strong income, dominated by mortgage and nursery.
Stable High Earner
Senior professional, long-tenured mortgage, no consumer debt.
High Income, High Debt
Earns well, but lifestyle and loans absorb most of it.
Negative Net Worth
Liabilities exceed assets — debt-led balance sheet.
Strong Net Worth, Poor Liquidity
Wealthy on paper, dangerously thin in cash.
Property Portfolio (BTL Landlord)
Equity locked in property, multiple mortgages, tight cash.
Side Hustle, Volatile Cash Flow
Self-employed primary income, lumpy months and tax reserves.
Recently Unemployed
No income; runway funded by savings and severance.
Financially Excellent
Debt-free, deep liquidity, diversified assets.
// Or pick an archetype
High Income, High Debt
Earns well, but lifestyle and loans absorb most of it.
Open check-in →Negative Net Worth
Liabilities exceed assets — debt-led balance sheet.
Open check-in →Strong Net Worth, Poor Liquidity
Wealthy on paper, dangerously thin in cash.
Open check-in →Run your check-in.
A calm, structured review of your money. Takes 2–3 minutes.