Every entity. One balance sheet.
Your LLCs, trusts and rentals. One net worth.
Family-office tracking, without the family-office price.
$15/mo or $150/yr. Kubera charges $2,500/yr for multi-entity tracking (Kubera Black).
Personal, joint, LLC, S-corp, C-corp, trust, partnership. Entities that own other entities by percentage, rolled into one consolidated net worth. Real estate, vehicles, metals, crypto and trading cards valued automatically. Every suggestion shows its formula and the rows it used. $150 a year, or $15 a month.
It shows the scenario. Any decision is yours. Nova never touches your money.
14 days free, then $15/mo or $150/yr. The demo runs the real suggestion engine on sample data.
Read-only preview with one bank or brokerage. Suggestions, and adding houses, LLCs or other accounts by hand, unlock with the trial.
Sample data · illustrative
Sample data · illustrative
Personal, joint, LLC, S-corp, C-corp, trust, partnership. Entities that own other entities by percentage, rolled into one consolidated net worth. Real estate, vehicles, metals, crypto and trading cards valued automatically. Every suggestion shows its formula and the rows it used. $150 a year, or $15 a month.
Kubera charges $2,500/yr for multi-entity tracking (Kubera Black). Nova is $150/yr.
- AES-256-GCM encrypted connection tokens
- Plaid network for read-only sync
- We never sell your data
- Your data is yours: delete it yourself, export on request
Idle cash · 85% confidence
$31,500 of cash is held at a rate ~3.67% below the money-market yield as of 2026-11-10 — if moved, the estimated annual difference would be ~$1,156
Scenario calculated from the sample portfolio above. Not investment advice and not a recommendation to buy or sell any security. Verify current rates and your own tax situation before acting.
Educational tool. Not investment advice.
Sample data · illustrative
See the app before you sign up.
Hide every balance with one click
Privacy mode turns every dollar figure into a grey block so you can open Nova in public. The chart shape, dates and labels stay, and your choice is remembered.
Money in, money out, and what is left
The last four calendar months of cash flow: money in, money out and the net, with your monthly average.
What moved your net worth
Your net worth change since the start of the range, broken down by what moved it, so the headline always adds up.
What you own, and how fast you can reach it
Your assets split by type, and by how quickly you could reach them.
Each entity keeps its own books
A personal entity, a joint holding, an LLC and a trust, each with its own net worth. Each figure is the entity's full value, including its share of anything it owns, so the personal total covers the whole household. The Overview's By entity card shows your ownership share of each entity instead.
One entity rolls up the rest
Personal counts its own accounts plus its ownership share of Joint, the rental LLC and the Family Trust. The breakdown shows each share and the dollars it adds.
Drill into any LLC, trust or rental
Net worth, cash, debt and a trend line for one entity at a time.
A trust is an entity too
A trust is an entity too: its own page with net worth, cash, brokerage and debt, an ownership breakdown and its own history.
Share with a partner or an advisor
Invite a partner with full access, or an advisor with read-only access, to one entity. See who is a member, revoke pending invites, and remove people at any time.
Goals that track your real pace
Set a target and see how far along you are, with a rough estimate of when you will get there at your current monthly pace.
Every account, grouped and totaled
A summary strip with total assets, total liabilities and net worth, a note on how ownership share is counted, and your assets grouped by class.
Crypto, metals and private stakes sit next to your bank accounts
Sample manual assets under Investments and Real estate & property: a crypto wallet, a private-company stake, gold bullion and a card collection. Each row is tagged Estimated or Manual, so you can see where a number comes from.
Add what a bank cannot link
Pick a coin and a quantity and Nova fills in an estimated value from a recent coin price and refreshes it about weekly. It is labelled Estimated, and you can change the number before you save.
Stale data is labelled, not hidden
When a connection has not synced in a day, its accounts show a Stale badge and count under Needs attention, so an old balance never passes for a fresh one.
Your accounts, on a phone
The same grouped accounts list in a phone layout: totals, a sync status for each connection and a trend line behind every balance.
One account, its value over time
A single brokerage account with its value chart, 1-day and 30-day change, and holdings with market value, cost basis and unrealized gain.
A home's equity, not just its value
A property's estimated value and appreciation against what you paid, with the equity left after the mortgage linked to it.
A mortgage tied to the home it secures
Payoff progress against the original loan, the rate and minimum payment, and a loan-to-value gauge against the lender's PMI line.
Spending and investment activity in one feed
A searchable feed of dated transactions across checking and savings, with date, amount and category filters and a separate tab for investment activity.
See a payoff plan for every loan
Your loans at your ownership share, with rates, an extra-payment input, and a side-by-side comparison of highest-rate-first and smallest-balance-first payoff.
Credit utilization against a guideline
A credit card's balance, rate and minimum payment, with a utilization gauge against your limit and a guideline mark.
Find losses worth harvesting
Lots priced below cost basis, split into short-term and long-term, with wash-sale warnings to review before you sell. Tick a lot to see an estimated tax saving at the default assumptions. A scenario calculator, not advice.
Your data, available to your own tools
Create read-only personal access tokens and connect an AI assistant over MCP. The two tokens shown are placeholders, not real credentials.
It proposes.
Monarch is a dashboard. Kubera is a spreadsheet. Empower is a sales funnel. Nova shows scenarios with the math attached. You decide. It shows the numbers and tracks whether you acted.
Multi-entity, natively.
Personal, joint, LLC, S-corp, C-corp, trust, partnership, and entities that own other entities by percentage. One balance sheet, switchable views, real tax-entity boundaries. The way wealth is actually structured.
Auto-valued.
Real estate, vehicles, precious metals, crypto, and trading cards are priced automatically: real estate from ATTOM's automated valuation model, vehicles from MarketCheck, metals and crypto from spot prices, and trading cards from JustTCG market prices, re-priced on a schedule (weekly for metals and crypto). The illiquid half of your balance sheet stays current without a spreadsheet.
Multi-entity model
The day you add an LLC, every other tracker becomes useless.
Personal, joint, LLC, S-corp, C-corp, trust, partnership, and entities that own other entities. One balance sheet, switchable views, real tax-entity boundaries, the way wealth is actually structured.
Personal
$870,180
Joint with spouse
$208,500
Northstar Rentals LLC
$307,700
Family Trust
$412,800
Sample data · illustrative. Entities can own shares of each other, so the headline is the whole picture, not a sum of these cards.
Also in the box
The rest of the balance sheet, handled.
Share with a partner or CPA
Invite a partner as a member, or give your accountant or advisor read-only access to an entity. Advisors can see the numbers but can’t change them. Co-own something with a partner? Add their ownership % to the invite: each of you sees your own share in your net worth, and nothing is counted twice.
How sharing worksDebt planner and real equity
Compare avalanche and snowball payoff side by side, with a projected debt-free month. Link a mortgage or loan to its asset to see what you actually own.
History that explains itself
Track net worth over time, see which categories drove each change, and export your history to CSV whenever you want it.
Read-only API and MCP server
Create a personal access token to read your net worth, accounts, holdings, and transactions, or connect an AI assistant over MCP. There are no write scopes.
Token securityGoals, including FIRE
Set a net-worth target, or let Nova suggest a FIRE number from your actual spending using the 25× rule.
Multi-currency accounts
Hold accounts in other currencies. Nova converts them to USD at published reference rates so they land on the same balance sheet.
Pricing
Your LLCs, trusts and rentals. One price.
One plan. Everything included: every entity, every account type, the consolidated roll-up, shared access, and the tax-loss-harvest module. No tiers to decode, no features held hostage.
Nova
$15/mo
Up to 100 entities and 250 accounts with no per-entity fees, suggested moves that show their math (Nova proposes, you decide), consolidated roll-up, shared access, tax-loss-harvest module, and email support.
Start free trial14-day free trial (card required, not charged until the trial ends), then $15/mo billed monthly (or save with annual). Cancel anytime from Billing in your Nova account.
Security & data
Your balance sheet stays yours.
Read-only, always
Plaid connections are read-only. Nova can see your balances and holdings; it cannot move money or initiate transfers. There is no write path.
Connection secrets are sealed
TLS in transit. Plaid and SnapTrade connection secrets are sealed at rest with AES-256-GCM envelope encryption, with a separate encryption key per record, wrapped by a master key held outside the database. Balances and holdings are ordinary database rows so Nova can do the math on them; /security spells out the boundary.
Your data is yours
Delete your account yourself from your account menu and your connected accounts, holdings, suggestions and everything else stored under your profile is deleted. The one exception is the activity log: its entries are detached from your account rather than deleted, and removed after 2 years (see /privacy). Prefer email? Ask us for an export or deletion and it's handled within 30 days.
We don't sell data, ever
No ad tech, no data brokers, no anonymized resale. We never sell your data or use it to train models. The only AI feature is Explain this Math, and /privacy discloses exactly what it sends. Revenue is subscriptions. Full stop.
FAQ
The questions we get most.
How is this different from Monarch or Copilot?
Those are dashboards: they show you the number. Nova shows scenarios with the math attached: what moving $X from checking into a money-market fund earning more would change, or what harvesting $Y in losses before year-end would do to your gains. Every suggestion shows its inputs, the formula, and a confidence range. These are estimates, not advice. You stay the decision-maker; the math is finally visible.
How do I get started?
Create an account and start a 14-day free trial. Link accounts through Plaid (read-only) or add holdings manually, set up your entities, and Nova builds your balance sheet. Want to look before signing up? The demo runs the real engine on sample data. No account needed.
What happens to my data?
Transmitted over TLS, with your bank and brokerage connection secrets sealed at rest (AES-256-GCM). We don't sell it or share it with ad tech. The suggestions themselves are computed by Nova's own deterministic rules. The one exception is the optional “Explain this Math” button: when you use it, Nova sends that suggestion and a snapshot of your portfolio to OpenAI, which writes the plain-English explanation. You can delete your account yourself from your account menu at any time, or email us for a full export or deletion (handled within 30 days). See the security section above.
Is this investment advice?
No. Nova is an educational tool. It surfaces math and structural moves you could consider. It does not personalize for your full situation, your tax bracket, or your risk tolerance. For tax, legal, or investment advice specific to you, talk to a licensed professional.
What if I don't have an LLC or a trust yet?
You don't need one. Start with a single personal entity; add a joint entity or invite your partner with shared access if you have one. When you do form an LLC or a trust, you add it as a sibling entity and Nova shows you the consolidated picture automatically. Multi-entity is the headline because it's the killer feature, not because it's required.
Does this work for a portfolio in the millions?
Yes, that's the design target. We model lots, basis, illiquid holdings (real estate, vehicles, metals, crypto, trading cards, and manual entries for art or private equity), and entity-level tax boundaries by default. Every entity and account type is included in the one plan. If you have something unusual on your balance sheet, reach out and we'll make sure it's covered.
Get started
Put your whole balance sheet in one place: every entity, one view.
14 days free, then $15/mo. Cancel anytime. By creating an account you agree to our terms and privacy policy.