Every account. Every dollar. In your pocket.

Daily Money

Assign the money while you are still in the aisle

Ready to Assign, targets, auto-assign, rollover, and the activity log all made the trip. Move $40 from Travel to Groceries at the checkout and the web app has it before you reach the car, because both are reading the same live data.

Prefer a simple monthly limit per category? That is the Simple view button at the top of the capture, one tap away, and switching does not cost you your history.

Investments

Every account you own, added up on one screen

Every brokerage, 401(k), IRA, HSA, and crypto holding consolidates into one portfolio with time-weighted returns, so the number you see is market performance rather than the money you added. The capture is the Hale household’s: 26 positions worth $1,246,091, up $360,067 all time.

Crypto carries its own 24-hour line, because it is the only thing on the screen still trading while the markets are closed. And any holding opens into the whole security, which is the next screen down.

Investments

Open a position, not just a portfolio

Tap a holding and the phone gives you the whole security: a year of price history with the dividends marked on it, a candlestick toggle, share count, average cost, and the long-term and short-term split on unrealized gains.

The capture is the Hale household’s NVIDIA position: 520 shares across three accounts, worth $100,048, with the account breakdown further down the same screen.

Retirement

A real engine, running on the phone in your hand

Not a retirement calculator with three inputs. The capture is 10,000 Monte Carlo paths against the Hale household's actual accounts and actual spending, 94% of them still funded at age 92, with Social Security, healthcare, and tax planning each carrying their own tab. Refresh it on the phone and it re-runs there.

The Bridge

This month, priced in months of freedom

Because one app holds your spending and your retirement plan, it can quote one in the other’s units. What Moves Your Date ranks your categories by what trimming them does to your retirement, and the what-if chips re-run the projection while you watch.

On the capture, a $1,150 monthly surplus, invested and held, is 11 months of earlier retirement. That is the sentence a budgeting app on its own can never finish.

Cash Flow

The next 90 days, before they happen

Thermal already knows your salaries, your mortgage, and your subscriptions, because it found them recurring in your transactions. The cash flow screen plays them forward: the balance you will end the window with, and the day the balance dips lowest, named ahead of time.

Thirty, sixty, or ninety days out, with every scheduled event listed under the day it lands. The surprise bill stops being a surprise, because it was on this screen three weeks before it hit the card.

Goals

Name the thing you are saving for

A goal is a number with a name on it: the Hales are 62% of the way to a kitchen remodel and 78% of the way to Japan, and the screen holds the running total, what is left, and the progress of each.

Add progress from the phone the day the transfer clears, and the same bars move on the web, because both are the same account.

Receipts

The paper receipt becomes line items

Photograph the receipt at the register and Thermal reads the line items, then matches the receipt to the card charge when it posts. The capture shows five receipts, every one matched to its transaction.

The point is the grocery run: one $180 charge is not one expense, and item-level receipts are how a long haul splits across categories without typing any of it.