Stop getting surprised by your own finances.
Better information → Better decisions → More money for you.
Everything you need to track and understand your finances is included with Knoware for free. Financial Navigation is there when you need help deciding what to do next.1
Knoware
Know what to do with your money.
Included, free
See everything
Bring accounts, assets, debts and transactions together.
Know what matters
See what changed, what needs attention and what's coming up.
Find opportunities
Discover ways you can improve across cash, debt, spending and investments.
Spot hidden risks
Catch problems that are easy to miss before they become expensive.
2
Financial Navigation
For when you need it.
Pay as you go
Model decisions
Buying a home, retiring earlier, taking time off, investing more, paying down debt and more.
Test different futures
See how your decision holds up through recessions, inflation, rate changes and historical crises.
Compare different paths
Think you'd survive the Great Depression? How about Tulip Mania in 1637? Test your finances against history.
See the future before you live it
Explore how today's decisions could affect your financial future.
There's no catch. We checked.
Built on experience.
We didn't build a stripped-down product just so we could call it free. We've built software used by millions. Knoware is what we believe personal finance should have been all along.
No ads. Ever.
Ads are designed to distract you. They're also annoying. We'd rather help you make better decisions than invent new ways to bother you.
Your data is not for sale.
We do not sell your personal or financial data or build an advertising business around your finances. Your information is kept private and protected. We make money by building products you choose to pay for, not by selling access to your financial life.
We're not going anywhere.
Knoware is well-funded and built for the long haul. We've scaled software, processed billions of records, built world-class teams, and done this before. You can invest your time here. We already have.
Compare to similar products
Track & Organize
See your complete financial picture in one place
Combine finances across multiple currencies
Automatically categorize and organize transactions
Find transactions with natural-language search
See detailed totals and breakdowns for any transaction search
Track homes, cars, businesses, and other real assets
Link financial items to see how they relate
Budget & Spend
Build a realistic budget from your actual spending
Plan for irregular and non-monthly expenses
See how much is safe to spend
See monthly income, spending, and cash flow
Track subscriptions and upcoming bills automatically
Know whether your balances can cover upcoming bills
Invest & Grow
Track investments across stocks, funds, retirement accounts, and crypto
Measure true investment returns
Analyze portfolio diversification and concentration
See how currency movements affect your wealth
Understand Your Money
See exactly why your finances changed
Understand what's happening and what needs attention
See what's strengthening or weakening your finances
Understand the true cost and impact of your debt
See how long your cash could support you without income
Plan & Decide
Project your financial future
Model the impact of major life decisions
Stress-test your finances against difficult scenarios
Test your plans against real economic history
Compare different financial futures side by side
Household & Profiles
Organize finances across people, households, businesses, and profiles
Hide sensitive financial information when you're in public
Platform & Trust
Protect your data with industry-standard security
Get support from real people
Forever free. No ads. No trials. No catch.