NET WORTH, ALL OF IT
Bank accounts, cards, brokerage, retirement, property, vehicles and loans, plus every LLC and S-Corp with your ownership percentage. One number, built from all of it, updated as the money moves.
Connect directly to your accounts, or upload your positions.
12,000+ institutions through Plaid, or PDF statements. Both get you the same picture, and we never see your password.
Net worth
Sample dataTotal net worth
$4,180,000
Assets $5,065,000 less liabilities $885,000 · across 3 holders
THE PROBLEM
Checking here. Cards there. The brokerage app. The mortgage servicer. The 401(k) portal. A spreadsheet you update twice a year. And if you own a business, a whole second stack.
Nobody has the full picture, including you.
NET WORTH
Checking, savings, cards, brokerage, retirement, the house, the cars, the equipment, and the businesses you own with your percentage of each. Liquid and illiquid in the same picture, tracked over time instead of recalculated once a year in a spreadsheet.
Property and equipment are values you set, not an automated estimate. We would rather show you a number you believe than one a model guessed.
Wealth by holder
Sample data64% of total wealth · via a living trust
36% of total wealth · via a living trust
Gross estate
$5,065,000
Liabilities
$885,000
Net
$4,180,000
Every account you own in one picture, liquid and illiquid, with net worth tracked over time.
LOANS AND LIABILITIES
Mortgages, auto notes, SBA loans, lines of credit, and loans between your own companies. Each one with its balance, its rate, its term and its payment history.
Then the part nobody else does: an individual bank transaction attaches to the specific instrument it services. A $4,200 transfer stops being a transfer. It is a payment against note IC-0127, principal splits from interest, the balance moves, and the payment history builds itself instead of being reconstructed three years later when someone questions the structure.
We checked Monarch, Copilot, YNAB, Empower, Kubera and Intuit Lacerte before building it. None of them link an individual transaction to the instrument behind it.
Loans & liabilities
Sample dataTotal liabilities
$885,000
4 debt classes
Monthly
$9,180
Principal + interest
Avg rate
7.6%
By balance
Weighted rate 7.6% across 5 loans. Keep payments reconciled so the projected payoff stays accurate.
A payment, the instrument it belongs to, and the balance that moved because of it.
INVESTMENTS
Brokerage and retirement positions with cost basis, unrealized gain and loss, allocation and return. Alongside the things most trackers cannot hold at all: real estate LP and LLC interests, convertible notes, SAFEs, oil and gas working interests, equipment.
An AI advisor reviews the portfolio for return and for tax, and writes the recommendation twice. Once in the technical wording, and once in a version you can forward to someone else without translating it.
No fund ratings and no price targets. The analysis runs on your positions and your tax position, not on a research feed.
Portfolio overview
Sample dataCost basis
$740,000
Current value
$1,368,000
Unrealized
+$628,000
Return
+84.9%
2 positions with unrealized losses totaling $8,940. Selling could save about $3,308 in taxes.
Alternatives as real positions, not a line you type into a spreadsheet.
RETIREMENT
401(k), IRA, Roth and brokerage retirement accounts connected through Plaid, with positions and balances sitting inside your net worth instead of in a portal you log into twice a year.
And for owners, the Solo 401(k): HaraPro calculates the contribution your business income supports and shows what it does to this year's federal and state tax position, while there is still time to act on it.
Retirement
Sample dataTotal balance
$608,000
Across 4 accounts
YTD contributions
$18,500
23% of limits used
YTD gain
+$71,400
Year to date
Room remaining: $61,000. At a 32% marginal rate that is about $19,520 off this year's tax.
| Account | Type | Balance | YTD gain |
|---|---|---|---|
| SEP IRA •••• | SEP | $168,000 | +$21,400 |
| Roth IRA •••• | Roth | $142,000 | +$17,800 |
| Solo 401(k) •••• | Solo | $186,000 | +$19,600 |
| Traditional IRA •••• | Trad | $112,000 | +$12,600 |
The contribution your business income supports, and what it does to this year's tax.
ESTATE · ON UNLIMITED
Twenty-five document types with state by state checks: revocable and irrevocable trusts, wills, pour-over wills, powers of attorney, advance directives, personal property memoranda. Plus an ownership org chart and a family tree with dependents.
The difference is where they are written. An estate document in a document product is a PDF that names things in the abstract. Here it is drafted against the ownership percentages and the live balances already in your account, so the trust knows which LLC it holds and what that LLC is worth.
We draft for your attorney. HaraPro does not execute and does not notarize.
Estate
Sample dataGross estate
$5,065,000
Tax exposure
$0
Under current exemption
Liquidity for taxes
$1,368,000
Each row names the record that would close the gap, against the LLCs and balances already in the account.
Estate drafted against the ownership you already have in the account. Included on Unlimited.
WHAT FREE ACTUALLY MEANS
HOW IT COMPARES
Monarch, Copilot, YNAB, Empower and Kubera are good at what they do: spending, net worth, investments. We have given them full credit for all of it. The difference starts below that line.
Scroll the table sideways to see every column.
| Monarch · Copilot · YNAB$95 to $110/yr | Empower · KuberaFree to $249/yr | HaraProFree, then $29$19/mo | |
|---|---|---|---|
| Spending & transactions | ✓ | ✓ | ✓ |
| Net worth | ✓ | ✓ | ✓ |
| Investment tracking | ✓ | ✓ | ✓ |
| The businesses you own | ✗ | ✗ | ✓ |
| Bookkeeping & P&L | ✗ | ✗ | ✓ |
| Tax forecast & IRS forms | ✗ | ✗ | ✓ |
| Estate: trusts, wills, POAs | ✗ | ✗ | ✓ |
| Transactions linked to loans | ✗ | ✗ | ✓ |
Competitor pricing checked August 2026. Estate planning is on Unlimited; everything else in the HaraPro column is on the free plan.
THE ENGINE
Every AI figure is badged, and you stay in the loop on all of it.
Transactions classify themselves as they land, and the classifier remembers your corrections.
A federal and state position that updates all year instead of waiting for February.
Reads and builds the documents against the ownership already in the account.
Reviews the portfolio for return and for tax, and writes the memo twice.
Surfaces what needs attention before it turns into a problem in April.
Configures the whole account in one conversation, in under 30 minutes.
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WHEN YOU OUTGROW IT
More businesses, tax simulation and AI tax optimization start at $29$19/mo, or $189 billed annually. Estate planning is on Unlimited at $199/mo.
Every paid plan is free for 14 days. You start on the free plan with no card, and when you click Upgrade we take a card and charge nothing until day 15. Cancel before day 15 and you return to the free plan with everything you entered. The free plan does not expire.
STRAIGHT ANSWERS
No. Most people start with personal accounts. The business side is there when you need it, and costs nothing until you do.
Those track spending well. They do not do bookkeeping, taxes, estate, or link transactions to loans. If spending is all you need, they are cheaper and you should use them. If your finances are more complicated than that, they run out of room.
No. Nothing here forecasts how your retirement will go. What there is: your retirement accounts counted inside your net worth, and the Solo 401(k) contribution your business income supports, with the tax effect of making it.
AES-256 at rest, TLS 1.3 in transit, and your data is isolated to your account. Bank connections run through Plaid and we never see your password. SOC 2 audit planned for Q4 2026.
Export everything, any time. No lock-in.
Free forever for one business. No credit card. Connect a bank or upload statements. You'll have the full picture in minutes.