MoneyNorthStar
A simple wealth dashboard for tracking accounts, spending, holdings, ETFs, cash, real estate, and private loans — with clear insights into your true company, sector, and asset-class exposure.
Built for self-directed wealth builders
Designed for households roughly $250k–$10M+ in net worth: multiple accounts, ETFs and stocks, 401(k)s, cash, real estate, private loans, and alternatives. If Origin, Monarch, or Empower feel heavy, MoneyNorthStar stays calm and focused.
What do I have?
What do I actually own?
What moved me?
Where am I concentrated?
What needs review?
The MoneyNorthStar difference
Owning VTI, QQQ, and VOO is not the same as owning three different things. MoneyNorthStar aggregates direct stock holdings with ETF constituent look-through so you see your real company, sector, and asset-class exposure.
For every company in your portfolio, see direct value, indirect value through funds, total value, percent of your public portfolio, percent of net worth, and the sources — which accounts and which ETFs hold it.
Example: Nvidia exposure = direct NVDA shares + NVDA inside QQQ + VTI + VOO.
Compare two or more funds you own and reveal the companies that appear in more than one. See weight in each ETF, dollar exposure from each, and total indirect exposure — so you understand why you may be less diversified than you thought.
Sector exposure after look-through, compared to your own targets. Drift is labeled as above or below target — never as buy, sell, or rebalance advice. Top contributors per sector keep the story concrete.
Daily estimated impact from true exposure × price change. See top positive and negative contributors, net public-market move, and whether each move came through direct shares or funds. Always labeled as an estimate based on available holdings and price data.
Manual holdings CRUD with optional CSV import. Full ETF constituent sets for funds like VTI, VOO, SPY, QQQ, SCHD, BND, and more — plus fund aliases so equivalent share classes share data. End-of-day prices sync for valuation and What Moved Me.
Wealth assets
Net worth always traces to a real owned object — an account, holding, property, private loan, or valuable item. No free-form “adjust my net worth” shortcuts that hide the truth.
Your calm cockpit: net worth, assets, liabilities, cash, public investments, real estate equity, private loans, business and other assets. Asset-class allocation, top company and sector exposures, concentration alerts, and recent activity — without turning into a planning maze.
Track cash balances, APY, estimated annual interest, and weighted average yield. Surface lazy cash below your threshold, FDIC concentration above $250k at one institution, and allocation drift versus your cash target — in review language, not “open this HYSA” pitches.
Properties with estimated value, mortgage, HELOC, other debt, and equity. Track rent, expenses, cash flow, and valuation dates. Alerts for stale valuations, negative equity, and missing mortgage data keep the numbers honest.
Hard money loans and private notes: principal, balance, rate, points, maturity, collateral, LTV, and status. See expected annual interest, upcoming maturities, borrower concentration, and late or defaulted loans before they surprise you.
Vehicles, cash on hand, safe deposit contents, jewelry, collectibles — named items with a value and valuation date. The only sanctioned way to add “other stuff” to net worth, with stale-value alerts when appraisals age past 180 days.
Set cash, equity, real estate, private credit, crypto, and sector targets yourself. MoneyNorthStar compares current allocation to your targets and flags drift — it never invents a “correct” portfolio for you.
Classic money tracking
Manual-first and CSV-friendly. No bank API required. Fast lists, plain English, and progressive disclosure so spending stays understandable while wealth intelligence stays available when you want it.
Checking, savings, credit cards, cash, investment, retirement, real estate, private loans, business, crypto, and more. Computed balances from starting balance plus transactions — or from holdings for investment accounts. Quick “set balance” to match your institution without rewriting history.
Paginated lists with account, category, and payee filters. Inline edit, apply-to-similar, bulk categorize, and deterministic auto-categorization from your history and a merchant keyword map. Transfers and card payments stay out of spending totals.
Upload bank or broker CSV downloads. Preview before confirm, skip duplicates safely, undo a batch, or reassign imported rows to another account. Category columns map when possible; otherwise auto-categorize kicks in.
One uncategorized transaction at a time, biggest amounts first. Apply-to-similar when lookalikes exist. Optional AI suggestions for the next 25 payees — stored as suggestions you accept, never auto-applied.
Familiar spending category groups with totals and date-range presets. See where money went without envelope-style budgeting — organize activity for clarity, not monthly limits. Custom categories you control.
Twelve-month net worth trajectory, income vs spending, top categories, and top merchants — with dark-mode-aware charts and dollar-formatted tooltips. Snapshots capture as you use the app.
AI explanations, not AI guessing
Insights summarize what changed, what moved, concentrations, sector drift, cash issues, loan maturities, and stale or missing data. AI can only explain numbers the app already computed. A deterministic filter blocks forbidden advice language like buy, sell, or “rebalance into.”
“Your top 5 public-company exposures represent 31% of your public portfolio. Nvidia is your largest true exposure because you own it directly and indirectly through QQQ and VTI. Your technology exposure is 16 percentage points above your user-defined target.”
MoneyNorthStar is an informational and organizational dashboard — not a robo-advisor.
Your data, your pace
Start with accounts and a CSV. Add holdings by hand or import. Bring in real estate and private loans when you’re ready. Export your data from settings whenever you want a full CSV backup.
See what you have. See what you actually own.
Build a calm dashboard for the full financial picture — spending included, wealth intelligence front and center.