Assets
With Plus, track property, vehicles, other assets and the debts against them over time.
← Back to the big picture
One financial picture.
Could I take a year off?
Your statements do
Stay in control.
Assets, trusts
From statements to possibilities
One financial picture.
Three better conversations.
See what life costs, what your investments really earn and what you could afford next, worked out from your own statements. Bring your statements, or collect them with the download agent.
Start with a question.
← Back to the questionsMake room for what matters
Where could I spend less—without giving up what I love?
AI helps categorize spending, separate essentials from discretionary choices, and surface subscriptions and recurring habits. Ask what deserves a closer look.
Explore spending with Everyday · Free ↗Your spending pictureIllustrative · Six months
$30,000
A clearer view of the cost of everyday life.
Essential · $18,300Discretionary · $11,700
Dining out$4,200
Streaming subscriptions3 services
ORBY · ILLUSTRATIVE ANSWER
“$11,700 went to discretionary spending. Dining and subscriptions are two places to explore what you’d want to change.”
Separate saving from earning
Did my investments grow—or did I just put more in?
See holdings across accounts, contributions and withdrawals, and historical returns. The return calculation uses dated cash flows, so a larger balance isn’t mistaken for a better result.
Use a longer history with Plus ↗Behind the balanceIllustrative
$600,000
Ending portfolio value
Starting value$500,000
Net money added+ $65,000
Investment gain+ $35,000
A dollar gain isn’t a rate of return. Dated cash flows are needed to calculate your XIRR.
ORBY · ILLUSTRATIVE ANSWER
“The $100,000 balance increase includes $65,000 you added and $35,000 in investment gain. XIRR also accounts for when money moved.”
Bring the two sides together
Could I take a year off?
When could work be optional?
A retirement workbook connects your spending and investments. Start with an outlook from your own numbers. With Premium, change income, spending and timing, then explore withdrawal sequences.
Explore scenarios with Premium ↗A different work timelineIllustrative
Current planA year away from work
Compare assumptions about income, spending, returns and account access. Tax estimates have limits; projections are not guarantees.
ORBY · ILLUSTRATIVE ANSWER
“Compare expected income and spending during the break with your current plan. Inspect the assumptions behind each path before deciding what to explore next.”
Illustrative examples, not live AI answers or forecasts. Explore the example household in the app.
No finance background required
Your statements do
the heavy lifting.
Everyday · Free analyzes any six consecutive months you select. Plus and Premium unlock longer history for covered years.
Try the example household.
Explore the questions, graphs and source evidence before adding your own files.
Add or collect your statements.
Add files you already have, or use the Statement Download Agent (beta). You sign in yourself. For an unfamiliar page, show it one download; it learns on your laptop and remembers for next time.
Bank and card statements go in Banking + Credit Cards; brokerage statements go in Investments.
Connect a retirement workbook.
Bring the projects together, confirm your basic background details and review the derived values.
Privacy & evidence
Stay in control.
Follow the evidence.
With the built-in model, your statements and questions are analyzed on your computer. After setup, local analysis works with Wi-Fi off.
The download agent’s local AI interprets page layouts without receiving your password or clicking through your account. OrbySystems handles downloads and checks files against the listed account and period. If the page changes, it asks for help. You can stop at any time.
Follow supported financial figures to their evidence. Estimates and untraced figures are marked so you know what needs review.
What needs an internet connection?
Statement collection connects your browser to your institution. Model downloads, updates, license activation and enabled usage reporting also connect online. Review reporting choices in Privacy settings. Paid features need a periodic license check; Everyday · Free remains available offline.
More than statements
Assets, trusts
and other questions.
Trusts
Understand trusts you’ve inherited or created: the people, terms and distribution provisions in your documents.
General
Ask questions, summarize and compare personal documents on any subject. Included in Everyday · Free. Account optional, with no per-token bill for local AI.
See your own picture.
Start with the example household. Add your own statements when you’re ready.