Get your financial world out of your head — and out of Excel.
Your financial life spans multiple accounts, investments, property, loans and strategies. InFrame gives you one place to get into the details, understand what the numbers actually mean, and see how everything connects into a complete picture — including where your current path could lead.
100%
Every asset and liability in one balance sheet, net worth in view
Rules-Based
Target allocations and monthly contributions you define yourself
Every month
One short Month Check-in: balances, loans, income and costs
Non-Prescriptive
Signals when reality drifts from your plan, never automatic trades
See the numbers. Understand what they mean. See the whole picture.
Get into the detail of your assets, liabilities, cash and strategies — then see how they interact, and how today connects to your longer-term trajectory.
Bring everything together.
Unify bank accounts, ETF portfolios, pensions, real estate, loans and monthly costs into one complete picture.
See how you got here.
Review your historical trajectory and past decisions to understand the compounding that brought you to today.
Understand your position.
Calculate your true Liquid Runway and know exactly how many months of freedom you hold right now.
See where it could lead.
Project your Boring Baseline to identify the month you cross your Freedom Crossover Point if nothing changes.
Compare scenarios.
Change assumptions in the sandbox to model real-life decisions before committing real capital.
What happens if nothing changes?
Good investing is often boring. The challenge is staying the course when progress feels slow. The Boring Baseline reveals the compounding velocity already working in your favor.
A few minutes, once a month, keeps the whole picture current.
Four short steps and a summary. Change only what was different this month: left alone, everything carries on as usual.
Paste your balances.
Type or paste each balance from your bank app. Say what you added or took out, so it is never counted as growth.
Check what you owe.
An extra payment, new borrowing, or a new rate when your contract says the rate resets.
Only what changed.
A bonus or a smaller month. Otherwise each income counts at its usual amount.
The unusual costs.
Bills you forwarded are already there. Add a one-off with a note, or change a line that cost more.
The month in one look.
Net worth since last month, what was left, what was off usual, and what is coming next month.
Nothing to connect. Nothing to break.
Your logins stay with you
InFrame never asks for your bank passwords and never reads your accounts. You decide every number that goes in.
Works with everything you have
Any bank, broker, pension, property or private loan, in any country and currency. Nothing is left out because a bank has no link.
You notice what moved
A few numbers a month keep you in touch with your money. You see what changed, instead of a feed you stop looking at.
See how your personal balance sheet and strategy connect
Inspect your assets and loans, a typical month of money in and out, your strategy rules, and how it all got here, in one screen.
Personal Workspace: Leo
Explore assets, loans, cash flow and the rules you set yourself.
Total Assets
€820,000
Property, investments, pension, cash & car
Total Liabilities
-€188,000
Leverage ratio: 22.9%
True Net Worth
€632,000
Liquidity Runway: 11 mos (€30,000)
Assets Breakdown
€820,000Family Home & Rental Flat
City home + rental studio flat, owned outright
€462,000
Joint + MayaETFs, Funds & Pension
Index ETFs at €500 a month, pension fund
€308,000
Leo & MayaEmergency Fund
Six months of spending, kept apart
€30,000
LiquidFamily Car
Loses about 12% a year
€20,000
JointLiabilities & Debt
-€188,000Mortgage (6M Euribor + 1.7%)
Rate resets every 6 months · now 3.85% · €830/mo
-€170,000
JointCar Loan (fixed 5.9%)
Five-year loan · €386/mo
-€18,000
JointUnderstand the consequences before you commit
Explore how a decision changes your picture — net worth trajectory, liquid runway, and Freedom Crossover Point — before committing real capital.
"Should I pay down my mortgage or invest surplus cash into a global ETF portfolio?"
Simulate impact on Net Worth & Liquid Runway in seconds
"How many months of liquid runway do I retain if I switch jobs or launch my own consultancy?"
Simulate impact on Net Worth & Liquid Runway in seconds
"My mortgage rate resets in February. What does the new Euribor do to my payment and my runway?"
Simulate impact on Net Worth & Liquid Runway in seconds
"What is my projected net worth in 15 years under conservative 5% vs historical 8% return assumptions?"
Simulate impact on Net Worth & Liquid Runway in seconds
The tools to understand your complete financial picture
Complete Personal Balance Sheet
Unify real estate, liquid investments, retirement pots, cash reserves, and loans into one clean balance sheet, with a month-by-month ledger for each. Adding one takes a few questions; each month, one Update records its value, money in and out, and what it paid you.
Loans You Understand
Each loan as a timeline of rate resets and extra payments. See how much of each payment is interest and how much becomes yours, what the loan has cost and will cost, and, for a leased car, when the residual is due.
Cash Flow & Forwarded Bills
Money in, including dividends, interest and rent after any tax withheld, a typical month of costs, and what each month really cost. Loan payments are split: interest is a cost, what you repaid is savings. Each cost is compared with the same month last year, and buying, selling and taxes are kept apart from spending. On the paid plans, forward a bill by email and confirm where it goes.
Strategy vs. Reality
Define target allocations, monthly contributions and an emergency runway floor. InFrame shows when reality drifts from them, and never trades for you.
Personal Decision Sandbox
Simulate big life choices before committing: "Should I pay off the car loan early, put cash into index funds, or take a 6-month break?"
Private & Secure by Design
Your personal financial data is private. It is encrypted in transit and at rest, we run no advertisements, and we never sell your data.
Build your personal financial framework today
Create your complete balance sheet, add your loans and your typical month, and see where your current path leads.
Creating an account is free and starts on Basic, with no card. Paid plans are not on sale yet; when they open, they cost what is shown here. InFrame Single: €4.99 a month or €49.99 a year. Compare plans