Financial Literacy, Illuminated.

Stop guessing. Start projecting. The personal finance dashboard that answers: "Will my money last?"

Finlity Dashboard Preview

Your Financial Command Center

Track Everything

Import from any brokerage. See all accounts—401k, IRA, taxable, 529, real estate—in one unified view.

Portfolio Charts

Know Your Cash Flow

Track income sources, paycheck deductions, expenses, and taxes. See exactly where your money flows.

Budget Overview

See Your Future

Run thousands of simulations to answer the ultimate question: Will my money last through retirement?

Monte Carlo Simulation
100% Local Your data never leaves your device
No Account Required Start immediately
Bank-Level Privacy You control everything

Ready to take control of your financial future?

Total Value $0
Total Gain/Loss $0
Retirement $0
Taxable $0
Monthly Retirement Income -- at 4% withdrawal
Success Probability -- Run simulation to calculate
Earliest Retirement Age -- with 80%+ success rate
FIRE Number -- Target portfolio value

Asset Allocation

By Account Type

Portfolio Value History

Holdings

Ticker Name Account Shares Price Value Gain/Loss Actions

Performance Metrics

YTD Return Portfolio growth since Jan 1 -
1-Year Return Portfolio growth over past 12 months -
Alpha vs S&P 500 (YTD) Excess return vs benchmark -
Benchmark YTD (SPY) S&P 500 performance this year -

Risk Metrics

Volatility (Annual) Standard deviation of returns -
Sharpe Ratio Risk-adjusted return (higher is better) -
Max Drawdown Largest peak-to-trough decline -
Beta Sensitivity to market movements -
Value at Risk (95%) Max daily loss 95% of the time -

Concentration

Top 5 Holdings % in your 5 largest positions -
Top 10 Holdings % in your 10 largest positions -
Cash Allocation % held in cash/money market -
Invested Allocation % invested in securities -

Top Holdings

Allocation Breakdown

Category Value % of Portfolio

Alerts

No alerts configured. Add alerts to monitor your portfolio conditions.

Portfolio Insights

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Dashboard Widgets

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AI Fund Analysis

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Use Claude AI to analyze funds like a financial advisor would - considering your portfolio context, overlaps, tax efficiency, and providing actionable recommendations.

Fetches sector data for funds
Looks up sector for stocks, ETFs, and funds
⚙️ Monte Carlo Settings
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Age & Timeline
Cash Flow
Asset Allocation

FIRE Calculator

⚙️ Tax Projection Settings
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Pre-Retirement Contributions (until retire age)
Tax Rates (during retirement withdrawals)
Account Balances (auto-filled from portfolio)
Projection: Age 65 → 95 (30 years of retirement withdrawals)
Federal Income Tax - From traditional IRA/401k withdrawals
State Income Tax - Based on 0% state rate
Total Lifetime Tax Burden - Combined federal + state taxes paid
Avg Effective Tax Rate - % of withdrawals paid as taxes
Total Withdrawn - Gross amount from all accounts
Final Portfolio Balance - Remaining at end of projection

Tax Burden Over Time

Account Balances Over Time

Year-by-Year Withdrawal Breakdown

Age Total Balance RMD From Taxable From Traditional From Roth Federal Tax State Tax Eff. Rate Net Withdrawal
Run a projection to see results

Tax Configuration

Income Sources

No income sources added yet. Click "Add Income" to get started.

Pre-tax Deductions

No pre-tax deductions. Add 401k, HSA, FSA contributions here.

Paycheck Preview

Add income to see paycheck breakdown.

Expenses

No expenses added yet. Click "Add Expense" to track your spending.

Expenses by Category

Monthly Gross
$0
Monthly Taxes
$0
Monthly Net
$0
Monthly Expenses
$0
Monthly Savings
$0
Savings Rate
0%

Year-to-Date Income & Taxes

Cumulative totals by pay period - watch SS tax cap out at wage base

Annual Cash Flow Waterfall

Retirement Transition Parameters

Income Source Transition

How your income sources change over time

Run a projection to see the income transition visualization.

Social Security Comparison

Run a projection to see Social Security claiming age comparisons.

Data Storage

Server

Choose where your portfolio data is stored. Local mode keeps all data on your device - nothing is sent to the server.

Personal Settings

%
The 4% rule is a common guideline. Enter 1-100.
$
Leave at 0 to calculate from withdrawal rate. Set a specific target to calculate your FIRE number.

Asset Class Targets

Market Assumptions

Monte Carlo Settings

Portfolio Views

Create views to filter which accounts are included in dashboard, analysis, and projections.

Data Sources

API keys for price data and AI analysis. Click "Edit" to add or update a key.

AI Provider

Choose which AI provider to use for analysis and insights. Your preference is stored locally.

Plugin Security

Manage permissions for installed plugins. Built-in plugins are automatically trusted. Third-party plugins with sensitive permissions require approval before loading.

Click Refresh to load plugin security status...

Security Audit Log

Recent security events from the plugin system.

Click Refresh to load audit log...

Plugin Marketplace

Install third-party plugins to extend portfolio analysis capabilities. Plugins can be installed from GitHub, GitLab, or uploaded as ZIP files.

Installed Plugins

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Account Management

Manage your investment accounts. Deleting an account will also delete all positions in that account.

Account Value Actions

Data Export

Export your portfolio data for backup or analysis purposes.

Appearance

Profile Management

Manage separate portfolios for different users, clients, or scenarios. Each profile has its own database with complete data isolation.

Plugins

Extend functionality with plugins. Importers, analysis tools, widgets, and more.

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Demo Mode

Enable demo mode to use fake portfolio data for demonstrations. Your real data is never modified.

Demo Mode

Generate or regenerate demo portfolio data with ~50 positions, realistic prices, and multiple account types.

Note: Changing demo mode requires a page reload to take effect.