Net Worth Tracker Features
Everything You Need to Build Wealth
Nova combines the best of Mint, YNAB, Personal Capital, and Truebill — plus AI-powered insights and unique features no competitor offers. All in one beautiful, secure financial command center.
Free tier available • Upgrade anytime
12,000+
Bank Connections
11
Asset Types
AI
Powered Insights
256-bit
AES Encryption
Tracking & Connections
Connect everything, stay in command
12,000+ Bank Connections
Securely connect checking, savings, credit cards, and investment accounts from over 12,000 financial institutions via Plaid — set up in under 30 seconds.
Automatic Syncing
Real-time webhook syncing keeps your balances and transactions up to date automatically. Wake up to fresh data every morning.
Net Worth History & Charts
Guide your net worth growth with interactive charts. Compare daily, weekly, monthly, and yearly trends so you can adjust course fast.
Asset Allocation View
Know exactly where every dollar is allocated across all your accounts and asset types so you can optimize with confidence.
Historical Data Import
Bring your existing net worth history with you. Import from CSV, JSON, or manual entry — years of tracking preserved in seconds.
Connect 12,000+ institutions and let Charlie watch over your entire financial life
11 Asset Types
The most comprehensive multi-asset tracker available
Cash & Banking
Checking, savings, money market, and CDs — all synced automatically from your bank.
Investments & Stocks
Brokerage accounts, individual stocks, ETFs, mutual funds, and bonds with real-time pricing.
Cryptocurrency
Stay in command of Bitcoin, Ethereum, and thousands of other crypto assets with live market prices.
Real Estate
Keep property values current with automatic quarterly revaluations powered by ATTOM property data.
Vehicles
Know your car's true market value with automatic revaluations via Price Digests — accurate and hassle-free.
Precious Metals
Gold, silver, platinum, and other precious metals kept current with live spot prices.
Insurance & Annuities
Life insurance cash values, annuities, and other insurance-related assets in one place.
Liabilities & Credit
Mortgages, auto loans, student loans, credit cards, and all other debts tracked together.
Asset–Liability Linking & Equity
Link your mortgage to your property to see real-time home equity. Connect auto loans to vehicles, HELOCs to real estate — Nova automatically calculates equity across all linked pairs.
Multi-Currency Assets
Track wealth across borders with automatic currency conversion for international assets.
Retirement Accounts
401(k), IRA, Roth IRA, pension, and other retirement accounts synced and tracked.
Manual & Custom Assets
Art, jewelry, collectibles, business equity — track anything valuable with manual entries.
AI-Powered Intelligence
Meet Charlie — your personal AI financial assistant with 30+ specialized tools
Charlie AI Assistant
More than a chatbot — Charlie has 30+ specialized financial tools powered by machine learning. LSTM neural networks forecast your cash flow, ensemble models predict your net worth trajectory, and contextual AI understands your complete financial picture.
Financial Health Score
Get a comprehensive financial health score based on your savings rate, debt ratios, emergency fund, and investment diversification with actionable improvement tips.
Smart Budget Recommendations
Let AI analyze your spending patterns and build a personalized budget that actually works — no guesswork required.
Spending Insights
Automatically surface unusual spending, hidden fees, and money-saving opportunities you'd otherwise miss.
ML-Powered Forecasting
LSTM neural networks analyze your historical patterns to forecast cash flow 7-90 days ahead. Ensemble models project your net worth trajectory with confidence intervals — real machine learning, not just GPT.
Voice AI (Coming Soon)
Talk to Charlie naturally with voice interaction powered by ElevenLabs. Ask questions, get insights, and manage your finances hands-free — launching soon.
Charlie AI analyzes your finances with 30+ specialized tools and ML-powered forecasting
Analytics & Reporting
Understand your money like never before
Spending Analytics
Detailed breakdowns of where every dollar goes with category analysis, merchant tracking, and trend comparisons.
Transaction Categorization
Automatic AI-powered categorization of every transaction. Never manually categorize a transaction again.
Bill & Subscription Tracking
Catch forgotten subscriptions draining your accounts. Get alerts before bills are due and spot price increases.
CSV Export & PDF Reports (Coming Soon)
Export your financial data as CSV anytime. Professional PDF reports for lenders, advisors, or your own records are coming soon.
Credit Card Rewards Optimizer
Add your credit cards with real card images, enter your spending by category, and Nova tells you exactly which card to use for each purchase to maximize your rewards — dining, travel, groceries, gas, and more.
Geographic Spending Map
See where your money goes on an interactive map. Visualize spending patterns by location.
Portfolio Rebalancing
Calculate optimal trades to hit your target asset allocation. Stay diversified without the guesswork.
Tax-Loss Harvesting
Identify tax optimization opportunities across your investment portfolio. Offset gains, reduce your tax bill.
Track your net worth growth with interactive charts and trend analysis
Maximize your rewards — Nova tells you which card to use for every purchase
Planning & Goals
Turn financial dreams into reality
Goal Tracking & Projections
Set savings goals, track progress visually, and get AI-powered projections for when you'll reach each milestone.
Budget Management
Create and manage budgets by category with real-time tracking, alerts when you're close to limits, and month-over-month comparisons.
Debt Payoff Strategies
Become debt-free faster with optimized payoff strategies — avalanche, snowball, or custom — with projected payoff dates.
Cash Flow Forecasting
Project 7 to 90 days into your financial future. Know if you can afford purchases before you make them.
What-If Scenarios
Model different financial futures. What if you buy a house, change jobs, or start a business? See the impact on your net worth over time.
Income Streams Tracker
Track and categorize all income sources — salary, side hustles, rental income, VA disability, and more. See your total income picture at a glance.
Emergency Fund Tracker
Set your emergency fund target based on monthly expenses and track your progress. Know exactly when you reach financial safety.
Model your financial future — see the impact before you make the leap
Motivation & Rewards
Build lasting financial habits with gamification
Achievement System
Unlock achievements as you hit financial milestones — first positive net worth, emergency fund complete, debt-free status, and more. Celebrate your wins.
Progress Streaks
Build momentum with tracking streaks. Grow your consistency and stay motivated to check in on your finances regularly.
Milestone Celebrations
Hit a new all-time high? Pay off a debt? Nova celebrates with you. Get badges and recognition for real financial progress.
Celebrate real progress — unlock achievements as you hit financial milestones
Security & Privacy
Your financial data deserves military-grade protection
AES-256 Encryption
Bank-level encryption protects all data at rest and in transit. Your financial information is encrypted with the same standards used by major banks.
SOC 2 Ready Infrastructure
Enterprise-grade security controls, regular audits, and industry-best-practice compliance keep your data safe.
Plaid-Secured Connections
We never see or store your banking credentials. All connections go through Plaid, trusted by millions of users and thousands of apps.
Household & Family Sharing
Share your financial picture with a partner or family members securely. Decide exactly what they can access with granular permissions.
Platform & Access
Your finances, anywhere you are
Mobile-Optimized PWA
Install Nova on your phone like a native app. Fully responsive design works beautifully on any screen size.
Document Storage
Attach receipts, tax documents, property deeds, and other files directly to your accounts and transactions.
Multi-Currency Support
Manage assets in any currency with automatic conversion. Perfect for expats, international investors, and digital nomads.
SDVOSB Certified
Nova is a Service-Disabled Veteran-Owned Small Business — built with military discipline, integrity, and a mission to serve.
Why Nova vs. the Alternatives?
Compare how Nova stacks up against spreadsheets and other financial tracking apps.
| Feature | Nova | Spreadsheets | Other Apps |
|---|---|---|---|
| 12,000+ automatic bank connections | |||
| AI-powered financial insights | Limited | ||
| 11 asset types tracked | Manual | Partial | |
| Automatic property & vehicle revaluations | |||
| Real-time cryptocurrency pricing | Some | ||
| AI budget recommendations | |||
| Cash flow forecasting (7–90 days) | |||
| Subscription detection & tracking | Some | ||
| Comprehensive debt payoff tools | Basic | ||
| Partner/family sharing | Manual | Limited | |
| Credit card rewards optimization | |||
| Asset–liability linking & equity tracking | |||
| No ads or advisor sales pitches | |||
| Veteran-owned (SDVOSB certified) |
Ready to Take Control of Your Finances?
Track your net worth, grow your wealth, and make smarter financial decisions with Nova. Start your free 14-day trial today — no credit card required.
Free tier available • Upgrade anytime