Cash & savings
Checking, savings and deposit accounts across banks and currencies.
In development · Early-access waitlist open
Your entire financial world. One clear picture.
VestoPulse brings bank accounts, investments, retirement savings, property and debts together into a single, read-only view of your net worth, with every figure traceable back to where it came from.
- Read-only by design
- Multi-factor sign-in
- Every number sourced
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Complete net-worth visibility
Everything you own and owe, on one reconciled balance sheet.
One base currency, one number, and a clear breakdown underneath it. Assets and liabilities are valued consistently, foreign holdings are converted at a recorded rate, and every figure links back to its source.
Illustrative figures
Net worth · base currency USD
$1,142,030
$18,420 (+1.6%) this month
Assets
$1,580,790- Cash & savings$86.4K
- Brokerage investments$412.4K
- Retirement$298.8K
- Home$720K
- Digital assets$18.2K
- Private business stake$45K
Liabilities
−$438,760- Mortgage$412.6K
- Student loan$21.9K
- Credit cards$4.3K
Reconciled · 9 sources Snapshot 28 Oct · calc nw-1.0.0 FX recorded for EUR, GBP
Banking, assets & liabilities
Banking, assets and liabilities: the whole balance sheet.
Net worth is only meaningful when nothing is missing. VestoPulse is designed around these asset and liability categories, from synced accounts to the things only you can value.
Investments
Brokerage accounts with holdings, cost basis and market value.
Retirement
Pensions and retirement accounts alongside your taxable investments.
Property
Homes and real estate with dated, manually maintained valuations.
Digital assets
Crypto holdings, valued and converted like any other position.
Private holdings
Business stakes, receivables and other assets you value yourself.
Liabilities count too
Debts are tracked with the same care as assets, so your net worth reflects what you actually own.
- Mortgages
- Student loans
- Personal loans
- Credit cards
- Tax liabilities
Investment analytics
Understand not just what you have, but how it is working.
Performance, allocation and currency analytics are calculated across all of your accounts at once, with the method behind every result stated, never hidden.
Year-to-date performance
Portfolio Reference benchmark
Time-weighted
+7.8%
YTD
Money-weighted
+8.4%
Annualized
Benchmark
+7.1%
60/40 reference
Currency effect
-0.6%
Included in TWR
Allocation vs target
Illustrative figures- Equities62% (+2 vs 60%)
- Bonds24% (-1 vs 25%)
- Cash9% (-1 vs 10%)
- Alternatives5% (0 vs 5%)
White markers show target weights. Drift is measured across all accounts combined.
Time- and money-weighted returns
See how your investments performed, and how your own timing affected the result.
Allocation against your targets
Set target weights and see the drift across every account, not one at a time.
Currency effects, separated
Know how much of a change came from markets and how much from exchange rates.
Dated financial summaries
Export a point-in-time statement of position, performance and allocation.
VestoPulse provides information, not investment advice. Past performance does not indicate future results.
Households & organizations
One person, a household or an organization: each gets its own workspace.
Workspaces are VestoPulse's unit of privacy. Data never crosses between them, and membership and role are checked by the database on every request, not just by the interface.
Individual
Your own complete picture
Every account, property and debt you hold, in one private workspace.
- One base currency of your choice
- Manual valuations for what no feed covers
Household
Shared finances, shared clarity
Partners see the same numbers, with roles that fit how you actually manage money together.
- Invite members as viewer, editor or admin
- Joint and individual accounts side by side
Family office
Several entities, one view
Keep trusts, holding companies and family members in separate workspaces, each with its own members.
- Strict separation between workspaces
- Point-in-time snapshots for reporting
Advisory organization
Client positions, kept apart
Each client relationship lives in its own workspace, so access is granted deliberately and never shared by accident.
- Per-workspace roles and invitations
- Exportable, dated financial summaries
Owner
Full control, including membership
Admin
Manage members and settings
Editor
Add accounts and valuations
Viewer
Read-only access to the picture
How it works · multi-institution aggregation
Many institutions. One consistent ledger.
Adding up balances is easy. Getting the right answer when money moves between institutions, currencies and account types is the hard part, and that is what VestoPulse is built to do.
- 1
Connect read-only
Accounts are linked with read-only access through aggregation partners, or entered manually. VestoPulse never holds credentials that can move money.
- 2
Normalize
Balances, holdings and transactions from every institution are mapped into one consistent model, with exact decimal arithmetic and recorded exchange rates.
- 3
Reconcile
Transfers between your own accounts are matched, duplicate accounts are detected and holdings are checked against balances, so nothing is counted twice.
- 4
See, and verify
Your net worth is valued, snapshotted and shown with its full provenance, so you can check any number instead of taking it on trust.
Multi-currency by default:USDEURGBPand more.
Status: live institution connections are not yet available. The current build runs on synthetic data while aggregation partnerships are established.
Data provenance & transparency
Every number has a source. You can always see it.
Financial dashboards usually ask for your trust. VestoPulse shows its working instead: where each value came from, when it was observed and how it was calculated.
Drill down to the source
Follow any figure from your net worth to the account, holding, exchange rate and raw record behind it.
History you can trust
Snapshots are immutable. If a source later corrects its data, the restatement is shown, never silently overwritten.
Data quality, surfaced
Stale balances, unmatched transfers and missing prices are flagged, not hidden behind a confident number.
Provenance trail
Illustrative figuresSnapshot
Net worth, 28 Oct 2026
$1,142,030
Immutable snapshot · calculation version nw-1.0.0
Account
Example Brokerage · Individual
$412,380
14 holdings · valued in USD
Holding
Global equity fund (EUR)
$113,092
1,240 units × €84.12 = €104,308.80
FX rate
EUR → USD 1.0842
Recorded rate, 28 Oct 2026 close
Source
Observation received 28 Oct, 18:04 UTC
Raw record retained unchanged · append-only
Security & privacy
Engineered for the most sensitive data you have.
Security is part of the architecture, not a layer on top. These are the principles VestoPulse is being built and tested against.
Read-only by design
VestoPulse is built to view your finances, never to act on them. It cannot move money, make payments or place trades.
Multi-factor sign-in
An authenticator code is required before any financial data is shown, and again for sensitive actions such as exports.
Isolation in the database
Every household's data is separated by row-level security that denies access by default, enforced by the database itself, not only by application code.
Separated credentials
Connection tokens are encrypted, and only an isolated background service can decrypt them. The web application never holds an administrative database key.
Accountable by default
Security-relevant actions are audit-logged, and raw financial records are append-only, so changes leave a trail.
Your data, your choice
Export your data or request deletion at any time. We do not sell personal data or use it for advertising.
Early access
Be first to see your whole financial picture.
VestoPulse is opening in stages. Join the waitlist and we will let you know when early access is available, along with occasional, substantive progress updates.
- Early access as places open
- A say in which institutions are supported first
- No spam. Unsubscribe in one click
FAQ
Straight answers.
If something here is unclear, that is on us. Ask when you join the waitlist.
Is VestoPulse available today?
Not yet. VestoPulse is in active development and is not generally available. Join the waitlist to hear when early access opens.
Does VestoPulse connect to my bank right now?
No. No live connections to banks or other financial institutions are active. The current build runs entirely on synthetic data. When connections are introduced, they will be read-only and made through established aggregation partners, and we will say clearly which institutions and countries are supported.
Can VestoPulse move my money or make trades?
No. VestoPulse is read-only by design. It is built to show and explain your financial position, never to make payments, transfers or trades.
Are the figures on this website real?
No. Every number, chart and institution name on this site is illustrative. None of them describe a real person, account, institution or investment return.
How will my data be protected?
Multi-factor sign-in is required before any financial data is shown, each household's data is isolated by database-level access rules, connection credentials are encrypted and handled by an isolated service, and security-relevant actions are audit-logged. VestoPulse has not yet completed an independent security audit; we will publish when it has.
Is VestoPulse a regulated financial service or adviser?
VestoPulse is an information tool, not a bank, broker or financial adviser, and it does not provide investment advice. Any regulatory status will be stated explicitly here once it applies.
How much will it cost?
Pricing has not been decided. Waitlist members will hear about it before anyone else, and well before they would ever be asked to pay.
What happens to my waitlist details?
We use your email address only to contact you about VestoPulse early access and progress. We do not sell it or share it for marketing. You can unsubscribe or ask us to delete your details at any time.