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.
Invite only. Free during private beta. No credit card. Have a code?
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. No gamification. No push notifications. No social layer. Numbers presented with the discipline of a private bank preparing your monthly position statement.
Privacy by default
You enter everything by hand, so you decide exactly what gets recorded. Nothing is imported without your say.
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.
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 by hand. 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. If any of that changes, we will say so plainly in the same plain language, not buried in a policy update.