Features

The modules and pillars that make netclariq different: real double-entry accounting, FIFO tax reporting, amortizing loan tracking, and no bank connection. What you record once feeds your net worth, your budget and your projections.

• Net worth

  Accounts, investments, assets and debts in one figure, with a monthly history.

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• Budgeting

  Planned vs. actual by category, with yearly planning and variance alerts.

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• Investments

  Portfolio valued at market price, per-asset IRR and FIFO gains ready for tax time.

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• Debts & loans

  Real amortization schedules and simulated interest and term savings.

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• Scenario simulator

  30-year projection with editable assumptions and side-by-side scenario comparison.

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• No open banking

  Your bank credentials stay yours: manual entry or CSV import, no data aggregators.

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• Simplified double-entry accounting

  Every dollar has an origin and a destination: zero double counting, balances that add up.

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• FIFO tax reporting

  Gains and losses by FIFO lot, ready for tax filing.

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• Amortizing mortgages

  Principal and interest payment by payment, rate changes and early repayment.

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