Everything you own, owe, earn and spend. One sheet. One advisor.
Balance Sheet keeps your whole financial picture on your phone and hands it, when you say so, to an AI advisor you choose. It comes back with what to do next, and nothing happens without your tap.
Built like a balance sheet, because that is what it is
Accountants have had the right model for five hundred years. Assets and liabilities are the state; income and expenses explain how it moved. The app is organised exactly that way.
Assets
- Flat in Bath, let£412,000
- Home£665,500
- ISA£148,200
- Bitcoin, live price£61,000
- Cash£24,000
Liabilities
- Nationwide mortgage, 3.9% to 2028£210,000
- Buy-to-let mortgage, 5.1% to 2027£186,000
What moves it each month
- Salary and rent in+£8,850
- Mortgages, living, insurance out−£4,603
Describe it, don't fill in forms
"Our flat in Bath, about 412k, Nationwide mortgage 210k fixed 3.9% to 2028, let to Rachel at £1,650." The advisor turns that into the records, dates and contacts. Paste a whole list and it does them all.
Every date becomes a card
Rent reviews, fixed-term ends, insurance renewals, pay reviews. Each run, the advisor reads your sheet and your goal and proposes what to do, with the email drafted.
You approve, it opens, you send
Approve a card and your mail app opens with the draft to the right person. Calendar reminders land in your calendar. The app never sends anything itself.
The advisor is yours to choose
You set the goal in your own words. The app relays your sheet to the model you picked and shows you what comes back, named, unfiltered. Three ways to run one.
Frontier models on our account: Claude, GPT, Grok, Gemini. No API key to get. You pay the model's cost plus a fixed 25% margin, per run, from your balance.
- $1 of credit free when you sign up
- Every run shows what it cost
- Switch models any time
Have an OpenRouter, Anthropic, OpenAI or xAI key? Paste it. Requests go straight from your phone to them, under your own account. We are not in the middle.
- No account needed
- Edit the prompt template
- Key stays in your Keychain
Independent advisors, human-run businesses with their own strategy and models, list here at a monthly rate they set. Ranked by how their subscribers' net worth actually moved.
- Share your outcomes, pay less
- Disputes decided by Recourse
- Cancel any month
Your figures never leave your phone unless you send them
No bank logins. No cloud copy. No account required to track. We hold nothing about what you own, so there is nothing of yours to leak, sell or subpoena.
On device
Assets, liabilities, income, expenses, cards and history live in the app's private storage. API keys live in the Keychain. Export everything as JSON whenever you like.
You choose what is sent
A share toggle on every item, a hide switch on every field, and a preview of the exact text before each run. The advisor is named on every card.
A relay, not a reader
With the default advisor, each run passes through our server on its way to the model. We count the tokens to charge you and keep nothing of the content.
Run an advisor? List it.
If you are a business with a view on how people should run their money, put a model behind it and list it on the marketplace. You set the rate and keep 80% of it. Subscribers who share their outcomes with you pay less, funded from our side, not yours.
Single model or several
Point us at an OpenAI- or Anthropic-compatible endpoint. Route internally however you like; declare the models on your listing.
Ranked on results
Listings are ranked by the median net-worth change of their subscribers, by goal. Honest data from users is what the ranking and your discount rest on, and we say so.
Recourse, not a support queue
Every listing incorporates the Recourse Standard Rules. A dispute gets a reasoned ruling in minutes, binding between provider and platform, a first step for consumers.
Read the Provider Agreement, then write to support to be set up.
Get Balance Sheet
iPhone first, through TestFlight while we finish. Android and the App Store follow. The web version works today for tracking and for bring-your-own-key advisors.
Try it now
The web app runs the same code as the phone. Add what you own, set a goal, paste an API key, and run your first advisor in two minutes.
Open the web app →