Your Net Worth is a Business.
Manage it Like One.
A double-entry wealth tracking and asset modeling platform built for serious personal balance sheets. Move beyond simple expense trackers with coupled asset-liability modeling, automated reconciliations, and forward projections.
You've Outgrown Your Personal Finance App
Traditional tools are built for checking accounts and grocery budgets. When you manage real estate, private business equity, diversified investments, and structured debt, simplistic trackers break down.
Cash Snapshots & Categories
- Focuses on coffee receipts and monthly spending targets
- Debts and assets sit in silos without true equity coupling
- No accounting rigor — transfers between accounts cause balance drift
- Illiquid assets require disconnected, manual spreadsheets
- Walled gardens with no direct API or AI agent access
Complete Balance Sheet Modeling
- Built on a double-entry ledger — every dollar reconciles to the penny
- Couples liabilities directly to assets to track real-time net equity
- Custom valuation models for real estate, private businesses, and vehicles
- True financial statements: Balance Sheet, Profit & Loss, and Cash Flow
- Native Model Context Protocol (MCP) server for Muse.ai, Claude, and ChatGPT
Your Finances Aren't Simple.
Your Modeling Tool Shouldn't Be Either.
Built with precision for founders, real estate owners, and investors who manage serious balance sheets.
A Foundation of Truth
At our core is a rigorous double-entry accounting engine. Every transaction has balanced debits and credits, eliminating ghost balances and ensuring your personal financial statements reconcile to the penny.
Coupled Asset & Liability Modeling
Directly link mortgages to real estate or business loans to company equity. Watch your true net equity grow in real time as debt amortization schedules and market appreciation curves interact.
Multi-Source Ledger & Smart Rules
Seamlessly reconcile automated bank sync, bulk CSV imports, and manual entries without duplicate drift. Intelligent rules automatically categorize transactions, assign accounts, and keep records clean.
True Financial Statements
Instantly generate verified personal Balance Sheets, Profit & Loss statements, and Cash Flow reports. Make strategic life and capital decisions backed by mathematical clarity.
Your Personal Financial Analyst,
Powered by Your Favorite AI
Accruu features a built-in Model Context Protocol (MCP) server. Securely connect Muse.ai, Claude, ChatGPT, Cursor, or Hermes to query your books in natural language.
“Can I comfortably allocate $25,000 for angel investments next month without dipping below my liquid cash reserves?”
- Current Spendable Liquidity: $78,400 across 2 liquid cash accounts (excluding $245,000 in illiquid retirement and real estate equity).
- After $25,000 Allocation: You will retain $53,400 in liquid cash reserves (~5.2 months of runway at your $10,240/mo average burn).
- Cash Buffer Status: Healthy — remains $23,400 above your defined $30,000 safety threshold.
Natural-Language Balance Sheet Queries
Ask questions about spendable liquidity, asset valuation, and debt amortization without digging through menus or building complex spreadsheets.
Explain Financial Movement (explain_change)
Your assistant can inspect reconciled journal entries to tell you exactly why your net worth or cash reserves changed over any timeframe.
Zero Credential Sharing • Read-Only Privacy
Pair in seconds via secure OAuth or a quick device code. Your assistant never sees your banking credentials or account passwords.
Accounting Clarity at a Glance
Experience the real Accruu dashboard — balancing liquid accounts, modeled physical assets, and amortizing debt into a unified picture.
Simple, Predictable Plans for Serious Wealth
Start free with Basic or unlock the full modeling engine with Advanced. 30 days free on Advanced — no credit card required.
Basic
Essential double-entry net worth and account tracking for individuals building their foundation.
- Full double-entry accounting engine with balanced debits and credits
- Personal financial statements: Balance Sheet, Profit & Loss, and Cash Flow
- Bulk CSV file import & manual transaction entry
- Tracked balance sheet: Up to 2 physical assets & 2 liabilities
- Standard ledger view & account categorization
- Single-user personal dashboard
Advanced
The complete wealth and asset modeling platform for founders, real estate owners, and serious investors.
- Everything in Basic, plus:
- Unlimited asset & liability modeling (up to 1,000 tracked entities)
- Dynamic asset-liability coupling & live net equity calculation
- Native Model Context Protocol (MCP) server for AI assistants (Muse.ai, Claude, ChatGPT)
- Automated bank & brokerage sync via Quiltt
- Transaction templates for quickly combining & splitting transactions (principal/interest, etc.)
- Custom valuation modeling (linear, exponential, residual floors)
- Future net worth projections & debt payoff simulation
- Household & joint sharing (up to 5 team members/spouses)
- Priority founder support
Frequently Asked Questions
Everything you need to know about Accruu, our accounting core, AI assistant access, and getting started.
Ready to Run Your Net Worth Like a Business?
Leave simplistic trackers behind. Experience the clarity of double-entry accounting, asset modeling, and AI-enabled insights.