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FinanceOS
Local-first personal finance dashboard
••••••••••••
All data stored locally · No cloud · No tracking
Dashboard
Net Worth
$847,230
▲ +$12,400
Total Assets
$923,800
9 accounts
Liabilities
$76,570
2 cards · 1 loan
Holdings
$312,450
26 positions
Net Worth Trend
Oct 2024Apr 2025
Allocation
🟣 Retirement 35%🟢 Taxable 28%🟡 Cash 18%🔵 HSA 12%🔴 Liab 7%
Net Worth
Total Net Worth — April 2025
$847,230
▲ +$12,400 (+1.5%)vs last month
Assets
$923,800
Liabilities
$76,570
Alex
$540,000
Jordan
$307,230
Breakdown
History
| Month | Net Worth | Change |
|---|---|---|
| Apr 2025 | $847,230 | +$12,400 |
| Mar 2025 | $834,830 | +$8,200 |
| Feb 2025 | $826,630 | +$15,100 |
| Jan 2025 | $811,530 | −$3,400 |
| Dec 2024 | $814,930 | +$21,200 |
Balances
Click any account to enter today's balance. One number per account — net worth updates instantly.
Cash & Savings
| Account | Owner | Apr 1 | Mar 1 | Feb 1 |
|---|---|---|---|---|
| Metro Bank Checking | joint | $24,800 | $22,100 | $19,400 |
| Apex HYSA | joint | $52,400 | $50,200 | $48,100 |
Retirement
| Account | Owner | Apr 1 | Mar 1 |
|---|---|---|---|
| TechCorp 401k | self | $93,856 | $98,958 |
| Synapse 401k | self | $124,400 | $119,200 |
| Horizon 401k | spouse | $78,074 | $76,200 |
Credit Cards
| Account | Owner | Apr 1 | Mar 1 |
|---|---|---|---|
| Apex Visa Signature | self | $3,840 | $2,910 |
| Metro Platinum | joint | $1,240 | $890 |
Holdings
Total Value
$312,450
Total Cost
$248,200
Overall Gain
+25.9%
Positions
26
AllTechCorp 401kApex Brokerage
↑ Upload CSV/PDF · Betterment · Fidelity · M1 · Empower · Robinhood
AI Analysis
Portfolio Summary
Well-diversified portfolio of $312,450 across broad market ETFs and index funds. Retirement accounts at 35%, healthy taxable positions. Overall gain of 25.9% reflects long-term compounding.
Value
$312,450
Cost
$248,200
Gain
+25.9%
⚠ Crypto at 6.5% — approaching 10% caution threshold
ℹ 8 nontickered TechCorp 401k funds — values from CSV, no live price
Allocation
🟣 ETF 42%🟢 Fund 26%🟡 Nontickered 16%🔵 Stock 10%🔴 Crypto 6%
Top Positions
US LG CAP$46,835 · +147%
VTI$65,088 · +35%
BTC-USD$20,214 · +63%
FFIDX$20,829 · +10%
Observations
Portfolio well-positioned for long-term growth. Heavy ETF weighting provides broad diversification. Bitcoin should be monitored. Consider tax-loss harvesting in taxable accounts before year-end.
1-Year Review
Portfolio Return
+18.4%
vs S&P 500
+24.2%
Alpha
−5.8%
Performance vs Benchmark
━ Portfolio +18.4%╌ S&P 500 +24.2%
Tax Efficiency
Asset Location Score
72 / 100
Tax-Inefficient in Taxable
$42,000
Est. Annual Tax Drag
$1,840
Recommendations
Move REIT funds from taxable brokerage to retirement account — high dividend yield creates unnecessary tax drag
BTC-USD in taxable: consider harvesting losses if price drops below cost basis $12,400
VTI in taxable is optimal — broad ETF with low turnover and qualified dividends
Claude Sensor
Portfolio
Research
TickerPriceEMA 200Δ EMARSISignalHealth
AAPL
Apple Inc.
$260.48
$251.27
▲+3.7%
55.6 neu
BUY
72
VTI
Vanguard Total Mkt
$335.05
$318.42
▲+5.2%
52.1 neu
BUY
79
IWM
iShares Russell 2000
$198.44
$203.18
▼−2.3%
41.2 neu
SELL
38
IAU
iShares Gold Trust
$47.82
$44.10
▲+8.4%
67.8 neu
WATCH
61
AAPL — Claude Analysis
Apr 12 · 2h agoSignal
BUYHealth
72/100
vs EMA 200
▲+3.67%
AAPL shows technically sound conditions. Price above EMA200, neutral RSI, bullish MACD histogram with reasonable forward valuation and solid revenue growth.
⚠ RISKS
P/E at 33xMacro volatility⚡ CATALYSTS
Q2 earningsServices growthCash Flow
Overview
Income
Spending
Recurring
Review
Income
$15,280
Apr 2025
Spending
$6,430
Apr 2025
Savings Rate
58%
$8,850
saved this month
Income by Source
Spending by Category
Futures Trading
MNQSILMCLMGC
Summary
Daily
Top Trades
Psychology
Gross P&L
+$4,189
Net P&L
+$3,866
Fees Paid
−$323
7.7% drag
Round-Trips
153
Trading Days
20/20
P&L by Instrument
12-Month Forecast
Projected Income
$183,360
next 12 months
Projected Spending
$77,160
Projected Savings
$106,200
58% savings rate
Monthly Cash Flow Projection
May 2025Apr 2026
10-Year Projections
Net Worth Scenarios — 10 Years
━ Optimistic $2.4M━ Base $1.8M╌ Conservative $1.2M
Base Scenario
$1.8M
7% avg return · current savings
Optimistic
$2.4M
9% return · +20% savings
Conservative
$1.2M
5% return · flat savings
Mortgage
Properties
2
Total Outstanding
$648,400
Total Equity
$351,600
123 Oak Ave — Primary
Property Value
$620,000
Loan Balance
$448,400
Equity
$171,600
LTV
72.3%
Rate
3.25%
Monthly Payment
$2,440
Payoff Date
Jun 2051
Payments Made
56 / 360
456 Elm St — Rental
Property Value
$380,000
Loan Balance
$200,000
Equity
$180,000
Rate
4.75%
Backup & Restore
Database Backup
Your entire FinanceOS database is a single SQLite file. Download it anytime.
finance.db
All accounts · balances · holdings · transactions · futures
Restore from File
📁
Upload a finance.db backup to restore
⚠ This will overwrite all current data
Settings
Household Members
| Name | Role | Added |
|---|---|---|
| Alex Chen | self | Oct 2024 |
| Jordan Chen | spouse | Oct 2024 |
Accounts
| Account | Category | Owner | Latest Balance |
|---|---|---|---|
| TechCorp 401k | retirement | Alex | $93,856 |
| Synapse 401k | retirement | Alex | $124,400 |
| Apex Brokerage | taxable | joint | $88,320 |
| Apex HYSA | cash | joint | $52,400 |
| Apex Visa Signature | credit_card | Alex | −$3,840 |