Private beta

Take control of your wealth.

Your net worth across every country and currency, in one number.

See what you own, what comes in and goes out, where it's heading and how it's performing, across countries, currencies and asset classes. Connect Interactive Brokers, upload a statement or import a spreadsheet. Kofinity keeps the record.

Join the waiting list See the product

Free during the private beta. We let people in a few at a time.

Kofinity dashboard on a phone: net worth in one number — Demo account. Figures are examples.

Sound familiar?

Your wealth keeps growing. Your tools haven't kept up.

6 × 3

Six logins, three currencies

A bank in each country, a broker, a pension portal. The total moves with the exchange rate, not with your wealth.

#REF!

A spreadsheet that broke

The mortgage tab stopped adding up. Nobody remembers why.

+?%

No real return figure

Shares, property, pension and private funds each have their own number. None shows your return across all of them.

No view forward

You know what you have today. Not what it earns, what it costs or where it's going.

The product

Four questions. One place to answer them.

The questions a business asks of its own accounts, asked of yours, across every country and currency you hold wealth in.

What do I own?

Everything in one place

Bring every account into one view: shares, ETFs and crypto, bank accounts, property with its mortgage, CPF, MPF and EPF, private equity, bonds and structured products. Connect Interactive Brokers or upload a statement. Direct bank connections are rolling out.

Every asset class

Not just what's listed

Shares, bonds, options and crypto next to property and its mortgage, CPF, MPF and EPF, private equity and art.

Every currency

One total, nothing lost

See everything in any of 24 currencies. Each amount keeps its original currency and the exchange rate of its own day.

Shared ownership

Yours, or the household's

Hold an asset jointly with a partner, each with your share, and give your adviser a view if you choose.

How does it all get in?

Your paperwork does the typing

Drop in a statement, a title deed or a loan contract. Kofinity reads it, shows what it found, and waits for you to approve, correct or reject each line. Nothing is saved until you say so.

Every document then stays filed in your vault, next to the entries it created, so the paperwork behind any number is one click away and everything stays in order.

The Kofinity document vault on a phone, folders collapsed

Statements

Snap or upload

PDF, JPG or PNG. Holdings, trades and transactions are read for you.

Spreadsheets

Import a template

Bank lines, share purchases, properties, loans, income and expenses, many rows at a time.

Connections

Connect, or type it in

Sync Interactive Brokers, or add anything by hand. Direct bank connections through licensed open-banking providers are rolling out.

Where does my money go?

Know where your money goes

Every salary, dividend, rent payment and bill in one place, split between your household and your investments. See what you earn, what you spend, and how much of your lifestyle your investments already pay for.

Sorted for you

Transactions land in the right category on their own. Set a rule for a payee once and it sticks.

Money calendar

Every date that matters

Rent, loan payments, coupons, maturities and expected dividends, by week, month or year.

Expected vs actual

Nothing slips by

Every regular income and bill checked month by month, so a late, different or missing payment stands out.

Where is it heading?

See what's coming

Project your net worth and your CPF, MPF or EPF retirement from today's figures. Then ask "what if": sell a property, retire earlier, stop an expense or pay a different fee, and compare it with your plan before you commit.

Your plan: total assets by class, today and 2036, with net worth

Retirement

Your CPF, MPF or EPF, years ahead

See what your pension pot is heading for, and whether it reaches your goal.

Performance

What actually drove your return

Your return across everything, against a benchmark, broken down by asset class.

Risk

Where your risk sits

Your wealth by asset class, currency, country and liquidity, and where it is concentrated.

What we promise

Numbers you can check. Data that stays yours.

Accurate

Every number traces to its source

See how

Every bank line reconciled. Each line on your statement is matched to what you booked, so your balance always ties to the bank's.
Nothing is silently edited. A correction is a new entry, so your history always adds up.
You approve what comes in. Statements and spreadsheets wait for your review before anything is saved.

Secure

Read-only, encrypted, walled off

See how

Kofinity can't move your money. It reads balances and statements. It can't make payments, transfers or trades.
No banking passwords. Kofinity never asks for them. Bank connections use licensed open-banking providers' own secure screens.
Encrypted. Sensitive details are encrypted when stored, and every connection to Kofinity is encrypted too.
Walled off. Your records are kept apart from every other user's at the database level, and every significant change is logged.

Private

Never sold. No ads, no product pitches.

See how

Never used to train AI. Your data is never used to train AI models.
Stored in Asia. Your financial data lives on servers in Asia.
You choose who sees it. Share with a partner or your adviser, and take access back at any time.
Privacy on screen. One tap hides every number, for when someone is looking over your shoulder.

Reports to take away

Your data leaves with you

See how

Balance sheet and profit and loss. On screen and in Excel, whenever you like.
Everything, in one download. A complete file of everything you've recorded.
All your documents, in one archive. Every statement you uploaded, together.

FAQQuestions, answered plainly.

Is Kofinity a budgeting app?

No. Kofinity keeps the record of what you own, what you owe, what comes in and goes out, and what it all earned, across countries. It doesn't track your coffee.

Why not just ask an AI chatbot?

A chatbot can explain wealth in general. It can't see your CPF, your Hong Kong mortgage or your private equity fund, and it doesn't keep a record you can check. Kofinity does.

Is a public AI reading my statements?

AI only reads the documents you give it and suggests entries, which you approve before anything is saved. We use a paid enterprise AI service, and your data is never used to train AI models.

Which countries and banks are supported?

Singapore, Hong Kong and Malaysia get the deepest support, including CPF, MPF and EPF, and holdings can be in 24 currencies. Interactive Brokers accounts sync today, and direct bank connections through licensed open-banking providers are rolling out to beta members. Anything else comes in from a statement, a spreadsheet or by hand.

How do you keep my data secure?

Kofinity only reads your data: it can't make payments, transfers or trades. Sensitive details are encrypted when stored and every connection is encrypted. Your records are kept apart from every other user's at the database level, and every significant change is logged.

Will you try to sell me financial products?

No. We sell software. We don't manage money, sell funds or insurance, or show ads.

Where is my data kept, and who can see it?

Your financial data is stored in Asia and never sold. Nobody else sees it unless you choose to give them access.

Does Kofinity give financial advice?

No. Kofinity organises and shows your own figures. It doesn't recommend what to buy, sell or hold.

What happens to my data if Kofinity closes?

You can download everything at any time: a complete data file, all your documents and your statements in Excel. Your records are never locked in.

How much does it cost?

It's free during the private beta. We'll publish pricing before the beta ends, and beta members will hear first.

Take control of your wealth.

Join the waiting list. We'll email you when your place is ready.

Join the waiting list