Your net worth across your LLC, holding company and personal accounts — bank, company equity, real estate, crypto, even the watch on your wrist. One dashboard. One score. One plan.
IOMI tells you what to do next — not just what you have.
1-month free trial · No credit card required · Web app — works on your phone, nothing to install
Synced via Plaid — plus everything Plaid can't see: real estate, collectibles, private equity.
One minute each — watch IOMI do the work.
Add a home, a mortgage, a watch — everything you own becomes one live number.
A guided flow that keeps your entire wealth clear and organized from day one.
Your personal wealth and your business entities, connected in read-only mode — plus everything banks can't see, from real estate to watches.
A guided flow that keeps your entire wealth clear and organized from day one.
Your personal wealth and your business entities, connected in read-only mode — plus everything banks can't see, from real estate to watches.
Real estate, watches, cars, wine, collectibles — valued and tracked like any other asset.
IOMI AI ranks the next best moves by impact — and you simulate them before committing a dollar.
Set goals that track themselves, and watch your score climb as your wealth compounds.
Most founders keep six figures in accounts earning close to nothing. See what it costs — then simulate the fix.
In the Simulator you model a reallocation or a planned cash-flow event on your own numbers. The engine recomputes your score, cash flow and projection; IOMI AI explains the difference.
Illustrative scenario, same 6% assumption. In the app the numbers are yours — the math is deterministic, and a projection is only ever a projection.
"IOMI found $180k sitting idle in week one. That decision alone paid for years of the subscription — like having IOMI AI by my side all day."
ChatGPT can now connect your bank accounts. It still can't see most of what you own.
Ask anything. Get a briefing every morning. Watch your score climb. The engine computes, IOMI AI explains — nothing is invented.
A 0–100 health check on how well your capital is deployed — not a credit score — computed deterministically from your real holdings, personal and business, on five factors: liquidity, idle capital, drag, risk balance, concentration. Each factor is scored out of 100, so the score tells you which one to fix first, and the Next Dollar Allocation tells you where the next dollar should go.
Your capital is efficiently deployed with balanced structure and allocation.
Crypto allocation rose to 15.6% (target 10%) after Bitcoin's rally. Consider trimming and reallocating to Cash to meet your Q4 buffer target.
For people who need structured financial clarity without operational complexity.
Not for household budgeting or expense categories — if that's the job, Monarch does it well. IOMI is for balance sheets with entities, real assets and next-dollar decisions.
Owners who need the full picture across entities — without mixing the books.
People whose compensation got more complex than a paycheck.
Start free trialInvestors who make their own decisions — with better instruments.
Your books update themselves — no spreadsheet upkeep, ever.
Every dollar gets a job — IOMI flags what sits still.
Simulate any move before committing a real dollar.
Personal and business — one system, never mixed.
Pick the right tool once: hours back every month, and total clarity on your next move — not another rearview mirror.
| Spreadsheets | Copilot Money | Monarch | Kubera | Wealthfrontrobo-advisor |  | |
|---|---|---|---|---|---|---|
| Net worth in real time | ✗ | ✓ | ✓ | ✓ | Linked accounts | ✓ |
| All asset classes — collectibles included | Manual | ✗ | ✗ | ✓ | ✗ | ✓ |
| Business + personal, separated | ✗ | ✗ | Plus · $199.99/yr | Black · $2,500/yr | ✗ | ✓ |
| Capital Efficiency Score | ✗ | ✗ | ✗ | ✗ | ✗ | ✓ |
| Simulator — test a move before you make it | DIY | ✗ | ✗ | ✗ | Path planner | ✓ |
| AI that knows your whole balance sheet | ✗ | ✗ | Assistant | ✗ | ✗ | ✓ |
| Tells you what to do next | ✗ | ✗ | ✗ | ✗ | ✗ | ✓ |
| Price | Free — costs your Sundays | $13/mo | $14.99/mo | from $250/yr | 0.25%/yr of assets | $29 · $39/mo |
Competitor facts as published by each vendor, August 2026. Wealthfront is a different category — it manages and custodies money; IOMI manages nothing. Full comparisons: Monarch · Kubera · Copilot Money · Nova · Wealthfront
IOMI is built to see your accounts — never to touch them. Everything is encrypted, and you always control what is connected.
Try for free
Choose the plan that matches your financial life.
Everything a net worth tracker does, plus the intelligence layer — CES, Simulator, Next Dollar Allocation, Goals and IOMI AI — for your personal wealth.
1-month free trial · 30-day money-back · Cancel anytime
For founders and owners running personal and business wealth — unified across your entities.
QuickBooks — balances sync from your books1-month free trial · 30-day money-back · Cancel anytime
Personal vs Business on the real product — and when each one makes sense.
| What you get | Personal · $29/mo | Business · $39/mo |
|---|---|---|
| Personal accounts & all personal asset classes | ✓ | ✓ |
| Net worth dashboard, cash flow & forecast, goals | ✓ | ✓ |
| Capital Efficiency Score, Next Dollar Allocation, Simulator | ✓ | ✓ |
| IOMI AI chat | 100 messages/day | 200/day · priority |
| Business accounts (unlimited) | — | ✓ |
| Business tab — assets & liabilities per entity (up to 3) | — | ✓ |
| QuickBooks balance sync | — | ✓ |
| Priority support & early access to new features | — | ✓ |
Founding-member pricing stays locked while your subscription is active. Money-back: email us, no questions asked.
The most common questions about the platform, your data, and how IOMI works.
Your account is 10 minutes away. Your clarity, permanent.
Create your account1-month free trial · No credit card required
