One dashboard vs the four-app stack
A budget app, a broker app, a crypto app, and a spreadsheet to glue them together — four logins that never agree on one net-worth number. Selfinance replaces the glue, not your broker.
| Selfinance | The four-app stack | |
|---|---|---|
| Net worth | One live number — stocks, crypto, cash, property, debt | Assembled by hand in the spreadsheet |
| Cost | $6–9 / month total | Often 2–3 subscriptions, plus your time |
| Budget ↔ investments | Linked — savings flow into goals, spending into runway | Separate silos |
| Multi-currency | One base currency across everything | Each app picks its own |
| AI | One connector for the whole picture | None — or four different ones |
| Emergency fund | Months-of-runway measured against your real spending | Nowhere in the stack |
| Trade execution | Not here — tracking only | Your broker's job, and it does it well |
Updated August 2026
The one case where the stack is the better pick
You actively trade and live inside your broker's execution tools, or you need your bank's own app for payments. Keep both — Selfinance replaces the tracking layer on top, never your broker or your bank.
Selfinance is built for you if…
- Your stocks live in one app, crypto in another — and the real total in neither.
- You want one place that answers “how am I doing this month?”
- You're paying for two tracking subscriptions that each see half your money.
Frequently asked questions
Quick answers to the questions people ask most before getting started.
Can one app really replace a budget app, a broker app, and a crypto tracker?
For tracking, yes: Selfinance holds budgets, expenses, incomes, stocks, crypto, commodities, real estate, cash, and liabilities in one place, with automatic market data. What it deliberately doesn't replace is execution — you keep buying and selling in your broker or exchange, then record it here (or let your connected AI do it from a screenshot).
Does Selfinance replace my broker or bank?
No, and it doesn't try. Selfinance never connects to your bank or broker — it's the tracking layer on top. That's a security feature: there is no account access to lose and no real money the app (or a connected AI) could ever move.
How does the emergency-fund runway work?
You set a monthly coverage target, and Selfinance measures how many months your fund covers against your real spending — across cash, currencies, commodities, and deposits. It's a number no single app in a stack can compute, because no single app sees all of it.
What does the four-app stack actually cost?
Typically one or two paid subscriptions ($5–15/month each), two free apps monetizing your attention or data, and the hidden cost: your time assembling one net-worth number by hand. Selfinance is $6–9/month for the whole picture.
One picture, in numbers
Free, no-signup calculators for the whole-picture questions.