A spreadsheet-like finance tracker for future net worth planning
Observable Finance is a personal finance tool for tracking household net worth in a -like way while automatically pulling balances from financial accounts. Many finance apps are good at showing where money has already gone, but they do not easily answer forward-looking planning questions.
This tool focuses on questions such as “what will our net worth be in five years if we keep saving this much” or “what changes if one person takes a lower-paying job.” Every cell works as a formula, and account names can be used inside those formulas. A savings row can be built from income minus expenses, and a total can add several accounts together.
Balances sync through Plaid from checking accounts, credit cards, , retirement accounts, and loans, so the user does not need to type numbers by hand each month. It also keeps statement balance and current balance separate.
Key points
- The product combines -style planning with automatic finance tracking.
- It focuses on future net worth and long-term decisions, not just past spending .
- Every cell can use a formula and refer to accounts by name.
- Plaid is used to sync balances from bank, credit card, , retirement, and loan accounts.
- Statement balance and current balance are tracked separately.