You don't have to merge everything to understand your financial life together. Bring separate assets, shared assets, liabilities, cash and plans into one picture while keeping ownership clear.
Yours → Mine → Ours
Separate vs Joint balance sheet clarity
Where we were
Understand the history that brought you here
Where we are
Current position across all accounts and loans
Where we're going
Model the future impact of joint decisions
Real-World Scenarios
Whether navigating shared homeownership, blended family estates, or co-founder stakes.
Model uneven down-payment contributions, joint mortgage amortization, and individual equity stakes without friction.
Simulate the impact on shared household runway before one partner takes a sabbatical, parental leave, or launches a venture.
Ring-fence dedicated education funds and elder care reserves while keeping individual pensions unencumbered.
Protect pre-marital assets, separate inheritance funds, and distinct obligations while building a unified household dashboard.
Separate private personal wealth from business operational capital, illiquid equity shares, and corporate debt guarantees.
Track syndicated property investments with unequal partner splits (e.g. 60/40), proportional cash flow, and debt liabilities.
You don't need identical permissions or completely merged finances to share a clear picture. Role-based collaboration is a mechanism to give every partner or advisor the right level of access, fostering trust while keeping ownership distinct.
Set the target allocation, monthly contribution quotas, and cash runway floors for the shared balance sheet.
Execute transfers at your bank or broker and log factual outcomes, variances, and expense notes.
Ideal for trusted family members, accountants, or financial advisors who need clear transparency without editing permissions.
Switch between Combined, Jonas, and Laura perspectives to see how individual assets and shared rules connect seamlessly.
Switch ownership perspectives and inspect defined household strategy rules.
Total Assets
€820,000
Real Estate, Equities, Cash & Pension
Total Liabilities
-€188,000
Leverage ratio: 22.9%
True Net Worth
€632,000
Liquidity Runway: 9.4 mos (€45,000)
Equities allocation (11.6%) vs defined Strategy target of 15.0% total net worth.
Target: Low-cost global index allocation, scheduled 1st of month.
Currently maintained at 9.4 months (€45,000).
Amortising primary residential liability steadily to zero.
Executed Sept 1 · Planned: €800 · Actual: €800
Executed Aug 15 · Planned: €500 · Actual: €300
Semi-annual liquidity check
Keep personal pensions, separate investments, and individual loans distinct, while modeling shared residential property and joint mortgages seamlessly.
Agree on mutual savings rates, debt payoff targets, and emergency cash floors so you always move forward as a united team.
Turn household agreements into Just-In-Time action reminders. Execute externally at your institutions and log outcomes together.
Know exactly how many months of freedom your collective liquid cash provides under current fixed household commitments.
Simulate big family choices before making them: "Should we pay off the renovation loan or invest €500/mo into index funds?"
Your financial data is private and encrypted. We never sell data, run advertisements, or push unsolicited financial products.
Create a unified workspace, invite your partner with customized permissions, and start understanding your important financial decisions together.