FOR COMPLEX PERSONAL FINANCES

Take command of your financial life.

Complex personal finances deserve more than consumer-grade tools. Financial Command Center brings professional-grade financial insight, sophisticated financial modeling, and institutional-grade reporting to a living picture of what you actually own, owe, spend, and invest.

Real estate. Private investments. Business and practice equity. Retirement assets. Debt. Lifestyle. One living financial model.

Built for high earners

Physicians and dentists. Business and practice owners. Founders. Partners. Executives. Advisors. Commissioned professionals. Real estate investors.

Take command of my finances See how it works

45 days free · No card required

THE DEADLINE

Someone asks for the numbers. Today.

A lender. A line renewal. An acquisition. An SBA package. Your CPA. You open last year’s statement and realize the values, debt, and investment activity have all moved. What should have been an output just became a project.

THE ITCH

Nobody asked. You just want to know.

Should I sell the rental? Retire earlier? Spend more? What do I actually need to earn? You shouldn’t have to wait for another meeting with your advisor, or re-explain your entire financial life, just to answer the question.

Both start in the same place. The statement export solves the deadline. The financial model behind it answers your questions.

Beyond connected accounts

Your accounts are the easy part.

Connected accounts are useful for tracking transactions. They are not a complete financial model.

Real estate with debt attached. Business and practice equity. Private investments with calls and distributions. 1031 history. Tax-sensitive positions. Retirement assets. Your actual lifestyle.

Financial Command Center starts with the whole picture.

WHAT MONEY APPS SEE 6 things

  • Checking
  • Savings
  • Brokerage
  • 401(k)
  • Credit cards
  • Mortgage & HELOC balances

— end of feed

YOUR ACTUAL FINANCIAL WORLD 17 things

  • The same six, as balances
  • Real estate: value, equity, rent, taxes, depreciation
  • Each mortgage as a plan: payoff, refinance, a sale, a 1031 exchange
  • Practice / business equity
  • Business plan: sell, keep, or wind down
  • Private investments
  • Capital calls & distributions
  • Passive income today: distributions from investments that are paying, rent after the mortgage
  • 1031 exchange history
  • QSBS positions
  • Personal guarantees & contingent liabilities
  • What your life actually costs

— maintained as your financial life changes

Your financial data comes in on your terms.

Enter information directly, or upload financial data when it’s useful. AI-assisted analysis can help organize spending history for your Budget and monthly activity for the Monthly accounting process, without requiring persistent access to your financial accounts.

No ongoing bank connection required. You decide what comes in and when.

You out-earned the tools. Every app assumes your money is in accounts. Most of yours isn’t.

A closed-loop personal financial operating system.

Your Financial Statement and Budget establish reality. The Calculator uses that reality to model the future and test major decisions. The Planner translates the plan into what you need to produce now. The Monthly accounting process compares actual results with the Budget and plan, balances and reconciles the month, and keeps the financial picture aligned with what actually happened.

STEP 1

Financial Statement

What do I own and owe?

STEP 2

Budget

What does my life actually cost?

STEP 3

Calculator

Where is this taking me, and what changes it?

STEP 4

Planner

What does the plan require from me now?

STEP 5

Monthly

Is reality actually matching the plan?
UPDATED REALITY · BACK INTO THE STATEMENT

↻ MONTHLY CARRIES UPDATED REALITY BACK TO STEP 1

Financial Command Center is a closed-loop personal financial operating system for people whose financial lives have outgrown ordinary money apps. It maintains a living picture of what you own, owe, spend, and invest, including complex positions that carry the history behind the value. Institutional-grade reporting is available on demand, so professional reporting becomes an output, not a project: current financial statements and underlying data can be exported to PDF or CSV whenever needed. That same financial reality powers sophisticated, tax-aware long-term modeling, simulation-based results, What-If decisions, actionable income targets, and monthly accounting and reconciliation, so the plan evolves with the life behind it.

Your business wouldn’t rebuild its financials every time someone asked. Your personal finances shouldn’t either.

Step 1 · Financial Statement

Institutional-grade reporting, on demand.

Reporting becomes an output, not a project. Maintain a complete, living picture of your financial world. When a lender, CPA, advisor, partner, or other professional needs the numbers, current financial statements and underlying data are already there.

Export current reports to PDF or underlying data to CSV whenever needed.

The real estate table: the primary home and a rental held in an LLC with value, mortgage, rate, equity, rent, cap rate and net per month, the primary home expanded to show that its mortgage and carrying costs sync to the budget

Live screen from the in-app demo plan. Debt stays attached to what secures it, and the statement feeds the same numbers to the budget and the plan.

Living positions, not static values.

Real estate carries its mortgages, HELOCs, and 1031 exchange chains, so deferred basis stays with the investment history. Private investments are investments, not a single estimated value: capital calls, distributions, return of capital versus profit, DPI. Business and practice equity sits on the statement explicitly, with its entity debt attached and a planned result: sell on your own date and terms, keep for the distributions, or wind down.

As those positions change, the financial picture evolves with them. Financial Command Center keeps the history behind the value.

Private investments table: four positions with deal, type, value, uncalled capital, yield, IRR and MOIC: a multifamily syndication, an evergreen credit fund, a development fund with $25K still to be called, and a QSBS angel stake

Live screen from the in-app demo plan. A position’s history stays with the position: what was called, what came back, what it’s worth now, and the tax years as you file them, with the detail printable for your advisers and left off a lender package.

Capital callsDistributionsReturn of capital vs. profitDPI1031 chainsHELOCsBusiness & practice equityQSBS · §1202
The statement's totals strip: cash and equivalents, marketable securities, retirement, educational savings, private investments, real estate equity, businesses, other assets; then total debt, uncalled capital, liquidity, and passive income of $741 a month, $8.9K a year

Live screen from the in-app demo plan. The strip ends on what the statement produces on its own each month: distributions from private investments that are paying, and rent after the mortgage and costs, with the table behind it one click away.

The budget totals strip: obligations $3,232 a month, essentials $6,571, extras $2,015, giving $1,000, a lifestyle budget of $12,818 a month, $153,810/year
Housing category: the primary home mortgage $2,137 marked an obligation, its property taxes $490 and insurance $270 marked essential, and the rental's $29.50 shortfall, all synced from the Financial Statement
Food category: groceries budgeted $1,250 with a rolling average chip of $1,387 and marked essential, dining out $520 averaging $632 and marked an extra

Live screens from the in-app demo plan. The ⇄ rows sync from the Financial Statement, so debt payments are never typed twice; the amber chips are rolling averages from your actual reconciled months.

Step 2 · Budget

What does your life actually cost?

Build the lifestyle the plan actually needs to support. Enter it directly, or upload spending history and use AI-assisted analysis to help organize it.

That same Budget becomes part of the long-term model and the benchmark used by the Monthly accounting process to compare actual results with the plan.

The future you’re planning for and the life you’re living now use the same numbers.

Step 3 · Calculator

See where you’re headed. Then change what happens.

See what you’re on track to have, what the life you want requires, and how often the plan succeeds across simulated market sequences. Sophisticated, simulation-based planning replaces a single assumed return with a range of possible market outcomes.

THE BASE PLAN · DEMO PLAN
Your wealth over time: the middle outcome of 500 market simulations with the realistic range shaded, a dashed goal line labeled Independence $2.94M, and markers for retirement, Social Security, and RMDs

Your actual financial life, projected month by month and tested against 500 simulated market sequences built from 98 years of market history.

THE FLOOR

Financial Independence

Essential spending funded for life.

Financial Independence card: $10,723 per month today, Funded at 100% confidence; you'll need $2.94M versus on track to have $5.64M; across 500 simulated scenarios the plan succeeded in all 500

THE TARGET

Financial Freedom

Essential spending plus the life you actually want.

Financial Freedom card: essential spending plus the dream list, $17,923 per month today, an $81K gap at 83% confidence: succeeded in 417 of 500 scenarios, and in the ones that fall short the money typically runs out between ages 77 and 87; then Ways to close the gap, each priced: save $300 a month more, retire one year later, trim the budget by $281 a month, reinvest real-estate equity at retirement, earn $486 a month in retirement, half a percent more return, or delay Social Security to 70

Now change something.

Sell the rental. Buy another property. Retire earlier. Change the lifestyle. Move. Stack several decisions together.

Stop evaluating major financial decisions in isolation. See what the decision changes across the rest of your financial life before committing to it: budget, net worth, retirement need, confidence, required income. Every decision runs against a working copy of your plan, never your live numbers.

Know what the decision does before you make it.

THE DECISION · DEMO PLAN
The Sell a property dialog with the rental picked: sell now or at a future age; its rent stops, its costs leave the budget with it, and the after-tax proceeds go to work in the portfolio: after $25K selling costs, $10K of depreciation recapture and $4K of capital gains, about $78K clears; Apply to a plan copy
THE CHANGED PLAN · AFTER APPLY
The what-if sandbox after selling the rental: budget $12,818 to $12,788 a month, net worth $2.40M to $2.36M, Independence need $2.94M to $3.21M, the Freedom gap $81K to $121K, every tile and verdict recalculated on the plan copy

Selling the rental, applied: the budget, net worth, retirement need, and both verdicts move together. The Freedom gap goes from $81K to $121K, because the rent that would have carried part of retirement is gone.

Step 4 · Planner

Turn a 30-year plan into this year’s number.

The Planner runs the model backward and translates the future into something you can actually control now: the income required to stay on track.

It arrives in your terms, because “earn more” is not a plan.

Paid on production → deals to close, and the funnel behind them Own the business → revenue at your margin Salaried → the raise it implies Paid hourly → the rate your hours must earn
LIVE SCREEN · DEMO PLAN
The number, broken down for a business owner: you need to produce $16,267 a month, which takes $848,696 a year of revenue at a 23% margin, $70,725 a month
The number, broken down for a salaried earner: you need to produce $16,267 a month against $18,167 a month earned now, marked Covered
The number, broken down for an hourly earner at $85 an hour and a 40-hour week: earning $14,733 a month now against $16,267 needed, a $1,533 gap, a raise of $18,400 a year; then the two levers: the rate that gets there at the same 40 hours, $94 an hour, or 45 total hours a week at $85, five more than now
The number, broken down for a commission earner at $4,900 a deal: you need to produce $16,267 a month, 4 deals to close, 8 in stage 2, 32 in stage 1 per month

Own a business? The number becomes the revenue it has to produce at your margin.

Salaried? The number sits beside what you earn today: the raise to ask for, or, as here, the room you already have.

Paid hourly? The number becomes the rate your hours must earn, or the hours your rate must fill.

Paid on production? The number becomes deals to close, and the funnel activity behind them.

Already ahead? The equation flips.

If your plan already clears the confidence target, Financial Command Center flips the equation and shows how much you actually need to keep saving to stay on plan.

That tells you how much of your current saving is discretionary: money that could go to the business, a property, giving, or time with your family, without compromising the plan.

LIVE SCREEN · DEMO PLAN
Target card with saving set to 'only what it needs': the plan holds its bar without new saving, so the planned $3,500 a month is optional and left out; you must produce $11,567 a month
LIVE SCREEN · DEMO PLAN
June 2026, balanced and marked Reconciled: income $18,750 with the 401k booked as a paycheck deduction, spent $14,709.40, saved $2,778.60, giving $1,250, then the register: income and deposits first, the practice's reimbursement received marked not income
The register for June 2026 grouped by Step 2's categories: the Lifestyle group's rows, among them the Amex's Delta and Hotel del Coronado charges tagged Anniversary trip, each with its date, account, class, and status, counted against the category's budget
The reconciliation: started at the buffer $3,000, deposited $18,750; bank balance $3,778.60 against a buffer target of $3,000 with $778.60 still pending; the Reimbursements line: $652 put on the card for the business, $640 paid back, $652 owed to you at close, neither income nor expense

The month either ties or it doesn’t. About ten minutes, once a month.

Step 5 · Monthly

Plans drift. Reconcile yours to reality every month.

The Monthly accounting process compares actual income, spending, saving, giving, and ending balances against the Budget and plan. Bring the month in directly, or upload each account’s activity for AI-assisted analysis: every transaction lands as a row in the register with a Step 2 category, whatever account paid it, with a note and an optional tag. A card payment is a payment, never spending, so paying last month’s balance never reads as this month’s.

Business charges the company pays back are reimbursable: a business card starts every row that way, they are neither income nor expense while owed, the month still balances while the cash is out, the deposit settles what you were owed, and only a charge you give up ever becomes an expense. Report where the money went by category, by class, by tag, or by what you are still owed, over any dates.

Reconcile the difference, balance the month, and keep the financial picture aligned with what actually happened. A financial model is only valuable while reality still matches it.

Drift shows up in month two, not year ten.

Your numbers. Your model. Your schedule.

Test the decision before the meeting. Run it several ways. Then walk into the conversation with your advisor, CPA, banker, or partner asking better questions.

Trust & data

Your financial life stays yours.

  • No bank credentials, ever. Direct entry and optional uploads. Your logins are never shared, and your statement is never hostage to a broken connection.
  • No ads. Never sold. No advertising trackers; your data is not shared for marketing. The annual fee is the business model.
  • Encrypted in transit and at rest, with each login walled off at the database row level.
  • Two-factor and passkey sign-in. Once you enroll in 2FA, the database itself refuses data access without it.
  • Optional end-to-end encryption. Turn it on and your values are encrypted on your device before upload; the key never leaves you. With it on, we could not read your balance sheet if we tried.
  • Leave whole. Your backup downloads any time, the app keeps a copy of your book before each of its own updates, and deleting your account from inside the app permanently deletes your stored data.

The assumptions have receipts.

Every constant the engine leans on, from Social Security bend points to tax law section by section to 98 years of market returns, lives in a versioned assumptions set: sourced, dated, reviewed annually, and readable from inside the app.

IN-APP · ASSUMPTIONS & SOURCES
The in-app Assumptions & sources register, set v2026.4: SSA bend points with ssa.gov citations and retrieval dates, IRC sections 121, 168(c), 1250, 1202 and 72(t), the SECURE 2.0 RMD ages and the IRS Uniform Lifetime Table, Medicare age, and the NYU Stern 1928–2025 dataset for the S&P 500, 3-month Treasury bills, 10-year Treasury bonds and home prices, with version history (v2026.1 through v2026.4)

Your spreadsheet’s assumptions came from somewhere. You may no longer remember where. These are documented.

“Why doesn’t it connect to my bank?”

By design. Bank feeds are good at transactions and bad at everything else on your balance sheet, and a financial statement held hostage by a broken connection is worse than one you control.

So Financial Command Center runs on user-controlled data: direct entry, optional uploads, and AI-assisted analysis when you want it. Your credentials are never shared, and you decide what enters the model.

“My CPA handles this.”

Your CPA closes the year that happened. Financial Command Center models the years that haven’t.

Different job, same underlying numbers. A current balance sheet also gives you better information to bring into tax-planning conversations.

“My advisor already does my retirement plan.”

Good. Keep them.

Financial Command Center gives you your own copy of the picture. If you want to know what selling a property does to your retirement date, you don’t need to schedule a meeting before you can explore the question. Run it yourself, test several versions, then arrive at the advisor conversation with the entire balance sheet assembled and a specific question.

Better questions make better meetings.

“I already have a spreadsheet.”

You probably do. You may also have rebuilt it last year.

A spreadsheet can list assets and liabilities. It usually does not maintain the relationships, tax history, capital ledgers, planning assumptions, scenario logic, monthly reconciliation, and probability analysis required to make the balance sheet function as a living financial system.

Financial Command Center is what happens when the statement stops being a document and starts becoming the model.

Pricing

One price. The whole system.

Annual only, because the model is a yearly discipline, and each renewal ships the next year’s reviewed assumptions. Founders lock their rate for life.

FOUNDING MEMBER
$149/year

$99/year

Locked for life

  • 45-day free trial — no card required to start
  • The full closed loop: Financial Statement, Budget, Calculator with What-If, Planner, Monthly
  • Annually reviewed tax, Social Security, and market assumptions — cited and versioned in the app
  • No bank logins, ever; your backup is always yours to download
Take command of my finances

When founding memberships fill, the price is $149/year — founders keep $99 forever.

Take command of your financial life.

Build the living picture once. Then test the decisions that matter, know what the plan requires from you now, and reconcile every month to what actually happened.

Take command of my finances

45 days free · No card required

Financial Statement · Budget · Calculator · Planner · Monthly · one model, operating in a loop