One honest number, kept current
A salary, a few accounts, a pension and a plan. You want net worth, savings rate and runway to be right, and a projection your budgeting app was never going to give you.
See where you stand, and where you are heading.
Highwater reads your accounts and builds your whole balance sheet in the time it takes to sign in, then projects it out to twenty years. It also carries what most apps leave off: equity, ESOP, carried interest and co-investments.
Net Worth
€1,697,320
- Read-only connections
- Encrypted in transit and at rest
- Managed European infrastructure
- Passkey sign-in
- Privacy mode
How it works
Useful within minutes of the first connection.
Most tools ask you to connect everything, categorize everything, and budget everything before they tell you anything. Highwater works the other way round: it takes what it can read, makes sensible assumptions, and shows you a real position immediately. You refine it later, when you feel like it.
01
Connect What You Have
Banks, savings, cards and brokerage accounts sync read-only. One account is enough to start, and the picture fills in as you add more.
02
Read Your Position
Net worth, liquid assets, savings rate, spend pace and how long your reserves last, all computed from the first sync.
03
Add the Complicated Parts
Equity grants, carried interest, co-investments, a mortgage, a house you are saving for. Each one deepens the projection rather than blocking it.
What it does
Three things a budgeting app never tried to do.
Highwater measures a position, projects it, and models the parts of your wealth that arrive on a vesting schedule rather than in a bank account.
- Unlimited bank & card accounts
- Net worth & balance sheet
- EUR, USD & GBP in one household
- Projections to 20 years
- Savings rate & survival runway
- Mortgages & amortization schedules
- Carry & ESOP modeling
- Fund co-investments & capital calls
- Portfolio targets & drift bands
Illustrative
| Assets | |
| Cash | €148,200 |
| Brokerage | €167,900 |
| Co-Investments | €284,000 |
| Carry Vested | €412,000 |
| Property | €1,302,000 |
| Liabilities | |
| Mortgage | (€612,000) |
| Net Worth | €1,697,320 |
Also in Highwater
Built out where real finances get awkward.
Multi-Currency Households
Hold accounts in euros, dollars and sterling, owned by one person or two. Everything reports in your base currency at live rates, and the underlying figure never gets rewritten.
Bank & Brokerage Feeds
Balances, transactions and positions refresh on their own. Feed-written figures are marked so you can tell a measured number from a modeled one at a glance.
Portfolio & Drift
Target weights, actual weights and a tolerance band per sleeve, so you can see what has drifted before you decide whether to act on it.
Insurance Claims
Plans, excesses and reimbursement rules per policy, with claims tracked from submission to settlement, including the part you are still owed.
Mortgages & Big Purchases
Amortization schedules that actually amortize, plus a planner for the next house: what you can carry, what you would have left, and when.
The Weekly Review
A short guided pass once a week: what moved, what needs a decision, what is now out of date. Ten minutes, and the model stays honest.
Use cases
For people who take this seriously.
You do not need a fund interest to get the point of Highwater. You need to care about where you stand, and to have outgrown a spending app. It is built for European households, in euros, dollars and sterling.
01 / 04
Half your net worth is a vesting schedule
Options, RSUs and ESOP across grants, employers and currencies. Highwater values each grant on its own terms and shows what is actually yours today.
Carry, capital calls and co-invest loans
Fund interests accrue and vest on their own clock, and the co-investment you are proud of is financed. Both belong on the balance sheet, netted properly.
Money in more than one country
A move, a foreign employer, a mortgage abroad. Accounts stay in their own currency and the household still reports as one position.
Security & privacy
Your position, and nobody else's business.
Highwater makes money from subscriptions. Your data is not a second revenue line, and it is not for sale.
Read the security notesRead-only connections
Account links are read-only. Highwater can see balances and transactions; it cannot move money.
Passkey sign-in
Sign in with the biometrics on your device. No password to reuse, phish or leak.
Encrypted throughout
Encrypted in transit and at rest, on managed European infrastructure.
Privacy mode
One keystroke masks every figure on screen, for the train or the shared desk.
Pricing
Two plans. Both project.
Core is the whole picture, projected twenty years out. Complete adds the instruments most tools cannot model at all.
Compare plans in fullIndicative pricing while Highwater is in early access. VAT added where applicable.
Complete
€20/ mo
Carry and ESOP, co-investments, portfolio drift, insurance claims, house planning.
On your phone
Built for the phone before the phone app.
The same dashboard, tables and weekly review are designed to work at phone width, and Highwater will install from the browser and run full-screen on iOS and Android. Dedicated App Store and Play Store builds follow.
FAQ
Before you connect anything.
How is this different from a budgeting app?
A budgeting app sorts what you already spent. Highwater builds a balance sheet and projects it forward, so you can see what a decision does to your position years from now. Spending and categorization are here too, as the foundation for the projection.
Do I need to connect everything to start?
No. One account gives you a real position. Highwater fills in defaults for what it cannot see yet and tells you which figures are measured and which are assumed.
What if my finances are ordinary?
Then you use the part everyone uses: accounts, spending, savings rate, net worth and a projection you can trust. The advanced modules stay out of your way until you need them.
Can Highwater move my money?
No. Connections are read-only by design, and there is no payment initiation anywhere in the product.
Which currencies are supported?
Euro, US dollar and sterling accounts can coexist in one household, each held in its own currency and reported in the base currency you choose.
Can I share it with a partner?
Yes. Accounts, income and assets carry an owner, so a two-person household sees both individual and combined positions.
Can I get my data out?
Yes. Full export at any time, and deletion that actually deletes.
Connect one account and see the whole picture.
Read-only connections, and a real position from the first sync. It earns its place before asking you to configure anything.