Two plans. Both project.
Core gives you every account, a real balance sheet and a projection out to twenty years. Complete adds the instruments that most tools cannot model at all: carry, ESOP, co-investments, insurance claims and the house planner.
The whole picture, projected twenty years out.
- Unlimited bank & card accounts
- Net worth & balance sheet
- Spending with auto-categorization
- Savings rate & survival runway
- Projections to 20 years
- Brokerage feed sync & positions
- Subscriptions ledger & budgets
- Mortgages & amortization schedules
- EUR, USD & GBP in one household
- Two owners, shared household
Adds the instruments most tools cannot model at all.
- Everything in Core
- Carry & ESOP modeling
- Fund co-investments & capital calls
- Portfolio targets & drift bands
- Insurance plans & claims tracking
- House acquisition planner
- Working capital & tax accrual
Indicative pricing while Highwater is in early access. VAT added where applicable.
| Core | Complete | |
|---|---|---|
| The Basics | ||
| Bank & card accounts | Unlimited | Unlimited |
| Auto-categorized spending | Yes | Yes |
| Net worth & balance sheet | Yes | Yes |
| Savings rate & runway | Yes | Yes |
| Planning | ||
| Projection horizon | 20 years | 20 years |
| Subscriptions ledger | Yes | Yes |
| Mortgages & amortization | Yes | Yes |
| Currencies | EUR · USD · GBP | EUR · USD · GBP |
| Owners per household | 2 | 2 |
| Instruments | ||
| Brokerage positions & sync | Yes | Yes |
| Portfolio targets & drift | — | Yes |
| Carry & ESOP | — | Yes |
| Fund co-investments | — | Yes |
| Insurance claims | — | Yes |
| House acquisition planner | — | Yes |
| Everywhere | ||
| Install on iOS & Android | Yes | Yes |
| Passkey sign-in | Yes | Yes |
| Full data export | Yes | Yes |
The practical details.
What is the difference between the plans?
Core is the whole picture: every account, the balance sheet, and projections out to twenty years. Complete adds the instruments: carry, ESOP, co-investments, portfolio drift, insurance claims and the house planner.
Can I change plan later?
Any time, in both directions, prorated. Downgrading keeps your data. The advanced modules simply stop being editable.
Does a partner need their own subscription?
No. Both plans cover a two-person household on one subscription.
What happens if I cancel?
Your subscription runs to the end of the period. You can export everything at any point, before or after.