The personal balance sheet, treated with institutional respect.
MyFinances365.com is a precise, audit-grade ledger for individuals who manage their own wealth. Assets, liabilities, cash flow, and net worth, recorded with the discipline of a CFO.
Free during private beta. No credit card. Encrypted in transit.
Built like a statement,
not a feed.
Most personal-finance apps optimize for engagement. MyFinances365.com optimizes for accuracy, privacy, and a calm reading experience. The way a private bank prepares your monthly position statement.
Privacy by default
Manual entry is always available, and bank linking is opt-in for PRO accounts through Plaid (currently in testing). You decide what gets recorded.
Audit-grade lineage
Every balance change is captured as a dated ledger entry. Take periodic snapshots to build a defensible net-worth history.
Numbers, not noise
No social feeds. No gamification. No leaderboards. Mono-spaced, tabular figures with the visual weight they deserve.
Three steps to a complete balance sheet.
Open your accounts
Add what you own and what you owe. Checking, brokerage, real estate, vehicles, mortgages, credit lines. Round numbers are fine.
Record cash flow
Log income and expenses by category. Set up recurring rules for predictable items. Import statements via CSV when you want to backfill.
Snapshot your trajectory
Take a monthly snapshot to build your historical net-worth chart. Watch the line move with the discipline of compounding.
Encrypted. Private. Yours alone.
The rules of the house, in plain language.
We try to be specific so you can judge the trade-offs yourself. You enter your own data, and manual entry is always available. PRO accounts can link banks and brokerages through Plaid (currently in testing). We do not sell or share your information. AI only runs when you press a button, and you review every draft before it is saved.
Begin keeping the record.
Open your ledger in under a minute. Free during private beta.