Connect every account in 60 seconds. See your real net worth, catch overspending automatically, and model big decisions before you make them.
Connect checking, savings, credit cards, investments, and loans. Your real net worth, updated daily — not the number you guess when someone asks.
Every month is benchmarked against your rolling average. When a category spikes, you hear about it before it becomes a habit.
Add a life event — new car, raise, home purchase — and watch your net worth trajectory update live. Decide with numbers, not vibes.
Anatroc analyzes your transactions and generates a shareable DNA card — one of 16 archetypes based on where your money actually goes. Compare with friends using percentages only; dollar amounts never leave your account.
Income pours in on the left and splits into every category you spend on — money you put to work flows to invested, and whatever's left to saved. Scrub back through the year and watch an overspent month run red. Live in the dashboard, on your real transactions.
Ask anything in plain English. It knows your entire financial picture — every transaction, balance, and pattern — and answers in seconds.
"Finally understand where my money actually goes. I used to dread looking at my finances. Now I check Anatroc every morning with my coffee."
"The Financial DNA feature is genuinely addictive. My whole friend group compared their spending archetypes — it started real conversations about money none of us were having."
"The simulation tool alone is worth the price — I modeled buying a house three different ways before talking to a lender."
Trackers show you the past. Anatroc explains the present and lets you test the future.
| Feature | Anatroc | Monarch | YNAB | Spreadsheet |
|---|---|---|---|---|
| Net worth tracking | — | |||
| Automatic categorization | — | |||
| Spending anomaly alerts | — | — | — | |
| Financial simulation | — | — | — | |
| Financial DNA personas | — | — | — | |
| AI chat that knows every account | — | — | — | |
| Savings & debt goals | — | |||
| Home purchase planner with PMI | — | — | — | |
| Friends & social layer | — | — | — |
We never see your bank password. We never store your credentials. Your data is encrypted and only ever powers your own dashboard.
7-day free trial on Clarity & Vision. Cancel anytime.
Yes. We use Plaid — the same technology behind Robinhood, Venmo, and thousands of others. Your bank login is never shared with us.
Absolutely. One click from your account settings. No fees, no friction. Your data stays for 30 days after.
Your card is charged when the trial ends. Cancel before that and you pay nothing.
No. We show you your numbers clearly — what you do with them is up to you and your advisor.
Over 12,000 US institutions. Chase, BofA, Fidelity, Schwab, Robinhood, most credit unions — if it has online banking, it probably works.
Yes, anytime. Upgrades are instant, downgrades take effect at your next billing cycle.
7 days free. No card required to start.