Personal finance for you, your family and your business
Good fortune, well kept.
Fortuity Money brings every account you have into one place, files every transaction, and shows your net worth as it grows. Add a space for your family or your business the day you need one.
10banks and card issuers connected in the live record
24 monthsof history, at most, on a bank's first pull, and years more from an export
4+ yearsof transactions kept in one searchable history
Last 4digits: all that is stored of any account or card number
The problem
Your money lives in a dozen places. Your picture of it should live in one.
A checking account at one bank, cards at three more, a brokerage, a mortgage, the savings account you opened for a trip. Each has its own app, its own login and its own idea of what you spent. "How are we doing?" has no single answer until you rebuild it by hand, and by then a bank has posted something new.
Budgeting apps help until life gets bigger than one pile. A partner's paycheck and yours, a shared card for the house, a side business that pays you: blend them and the numbers stop meaning anything; split them across apps and you are back to a dozen logins.
Fortuity Money keeps every account in one record, files every transaction as it arrives, and lets you keep your own money, your family's and your business's in separate spaces that still add up in one view.
Which are you?
Start with your own money. Add spaces as life adds them.
A space is one set of books: its own accounts, budgets and reports. Most people need one. Families and business owners keep several, side by side, with one switcher between them.
Personal plan
Just me
Every account you own in one place, every transaction filed, and your net worth in view.
Banks, cards, loans and investments
Budgets, recurring bills and goals
Reports and plain-words questions
One space
Family plan
My household
Shared money and separate money, each in its own space. Invite family members; each sees only the spaces you share with them.
Everything in Personal
A space for shared money, and one for each person's own
Invitations, each with its own access level
Several spaces
Business plan
I own a business
Your personal money in one space and each business in its own, so home and work never blur, in one app.
Everything in Personal
An income statement and balance sheet per business
One space is the Personal plan. More spaces is a higher plan, and your request tells us which one to set up.
How spaces work
Separate where it matters. Together when you want the whole picture.
Each space keeps its own accounts, categories, budgets and reports. The switcher moves between them, and All books adds them up.
One bank login, several spaces
Connect a bank once and send each of its accounts to the space it belongs to, or hold one back.
Totals that never count twice
All books combines every space without counting a transfer between them twice, and each space still sees its own side of it.
Move an account as life changes
A card that used to be personal and now pays for the business can move to the business's space.
Each person sees their spaces
Invite a partner, a family member or a bookkeeper at the level you choose. They see only the spaces you give them, and every invitation and change is kept in a record.
01 · Connect
Every account, connected once.
Link your checking, savings, cards, loans and brokerage accounts. New activity arrives as your bank posts it, and a bank that goes stale is pulled again on its own. Accounts arrive grouped by type, each with its last-updated time and a sparkline of its balance.
The banks you already use
Connections run through Plaid, the bank link behind the finance apps you already use.
ChaseAmerican ExpressBank of AmericaCapital OneWells FargoU.S. BankMerrillAxos
Your history comes with you
Up to 24 months arrive on a bank's first pull. Bring years more from a Monarch export, CSV or OFX file, so your record starts where your money actually starts.
A connection that tells you its health
Every bank shows when it last synced and what it brought in, and one click asks it to check again.
Pending, then posted
A pending charge points to the posted charge that replaces it, then retires, so nothing counts twice while the bank settles.
02 · See
Reports that read like a financial statement.
Luck favors the person who can see everything at once. Net worth over time, what came in and went out each month, and what you own and owe at every quarter's end, for one space or all of them together.
app.fortuitymoney.com/#reports
Sample data
Net worth
From one month to all time, with the change beside it.
Income statement
Month by month, category by category, for any space.
Balance sheet
What you own and owe at each quarter's end.
Needs attention
What could still change these numbers, listed first.
03 · Sort
Every transaction, filed where it belongs.
Your rules file transactions as they arrive. File one charge from a vendor and Fortuity Money offers to file that vendor's other charges the same way, then shows you just those.
Search that understands money
Type a merchant, a note or an amount. "2,500" finds every charge from $2,500.00 to $2,500.99, across every account and every year.
Rules that show their work
Before a rule runs, you see every row it would change.
Transfers matched for you
Money moving between your own accounts is paired, both sides, and kept out of your spending.
Many at once, or one at a time
Select a stack of transactions and change them together, or work through new ones one by one with Mark as reviewed.
04 · Plan
Budgets, bills and goals, on the same page as your cash.
Set a monthly budget per category and watch planned, spent and remaining move as the bank posts. Recurring bills and goals each carry a card on the dashboard, so the month's plan is the first thing you see.
Recurring, found for you
Subscriptions, bills and paychecks are detected automatically, with what is still due this month and a calendar of what comes next.
Goals with a date
Save toward a target by a day you choose, and see how far along you are.
Alerts worth opening
A large deposit, a large charge, a bill coming due or a bank that needs reconnecting, each flagged the day it happens.
Budgets that speak up
Set a limit for a category and hear about it when spending crosses the line, not at the end of the month.
05 · Ask
Ask about your money in plain words.
Connect Claude to Fortuity Money and ask the way you would ask the person who keeps your books. The connection can read but never change, and it sees only the spaces you choose.
"How much did we spend eating out this summer, compared with last summer?"
"Has the refund from the airline posted yet?"
"Which subscriptions went up this year?"
Answers from your own record
Claude reads the same transactions, categories and reports you see, so an answer matches the page.
You hold the switch
Connected assistants lists every connection, and removing one ends its access immediately.
Everyday moments
Built for the moments you actually check your money.
Payday
See it land, and where it goes
Your paycheck posts, and the month's recurring bills line up beside it with exactly what is still due.
When a card is due
Know which account pays it
Every card's balance, statement date and due date sits beside the cash that pays it, so a due date never sneaks up on you.
At month end
Your month in review
What came in, what went out, and how it changed from the month before and why, for each space.
At tax time
Hand over clean numbers
An income statement for each space, plus CSV and QuickBooks files, ready for whoever prepares your return.
What tracking turns up
Fortune favors those who track.
Fortuity Money watches every account and brings you what it finds, the moment the bank posts it.
Refund found
$412.00
Back on the travel card, matched to the hotel charge from September 12.
Example
Charged twice
$89.00
The same charge posted two times on September 18. One tap to hide the extra.
Example
Due Friday
$6,240.18
The card payment is due Friday, shown beside the checking account that pays it.
Example
Coming up
$1,188.00
An annual plan renews on October 4, so you decide before it charges.
Example
Also built in
The details that make a record worth keeping.
Split to the cent
Split one charge into several lines, each with its own category, that add up exactly to the original.
Receipts on any transaction
Attach a receipt or a file to the row it belongs to, so the proof sits beside the charge.
Tags your way
Tag transactions for a trip, a project or a renovation, with colors and an order you set.
Every currency, at its own day's rate
An amount in euros or Canadian dollars keeps its original currency and converts at that day's reference rate.
Duplicates caught
A look-alike charge on the same account, same amount, within two days is flagged for you and never deleted on its own.
Accounts on your terms
Rename an account, hide it from the list, or leave it out of net worth while it still tracks.
A dashboard you arrange
Reorder and hide the dashboard's cards so the numbers you check first sit at the top.
Everything a keystroke away
Press Command-K to jump to any page, account, category, merchant, goal or saved report.
06 · Trust
Built like a record you can trust.
Your numbers stay exact and your accounts stay yours. Open it on your phone or your computer, in light or dark.
Numbers masked before they are stored
Account, routing and card numbers are reduced to their last four digits before anything is saved.
Bank access kept apart from your data
The keys that connect your banks live in a separate secure store, held outside your records.
A history that stays whole
Every transaction is kept as the bank sent it and as you filed it, so years from now the record is still complete.
Every change on the record
Every invitation, level change and sign-in address is kept in an append-only record, and every edit to a transaction stays in its history.
Setups people start with
Three ways to set it up, one app for all of them.
Just me
One space
Checking, savings, two cards, a brokerage and a car loan in one space. Net worth on the dashboard, a budget per category, and recurring bills found on the first pull.
A couple
Three spaces
One space for shared bills and the joint card, and one for each person's own money. Both partners see the shared space; each keeps their own to themselves.
An owner
A space per business
The household in one space and each business in its own, with its own income statement and balance sheet. An owner's draw reads as a transfer from one to the other.
Your first day
From invitation to the whole picture in one sitting.
Most of the work happens on its own. Your part is a few sign-ins.
Sign in with your Epiphani account
Your invitation opens Fortuity Money; one Epiphani account signs you in on every device, with every address you use.
Connect your banks
Search for each bank and sign in through Plaid's own window. Choose which of its accounts to share, and which space each one goes to.
Bring your history
Up to 24 months arrive on the first pull. Import a Monarch, CSV or OFX export for the years before that.
Invite your people
Add your partner, family or bookkeeper to the spaces they should see, each at their own level.
Plans
One app. The plan follows how many spaces you keep.
Every plan includes everything in Personal. Family and Business add the spaces you keep and the people you share them with.
Access is by invitation today, and no card is needed to start. Tell us which plan fits and we will set up your spaces with your invitation. Outgrow your plan and your spaces come with you: a Personal space becomes one of several the day you add a family or a business, with its history intact.
Compared
Your money, your family's and your business's, each in its own space.
Anyone who wants every account in one place, starting with your own money. Families add spaces for shared and separate money, and business owners add a space for each business so home and work stay apart.
What is a space, and do I need more than one?
A space is one set of books: its own accounts, transactions, budgets and reports. If all your money is yours, one space covers it. Add spaces when you want family money kept apart from your own, or a business kept apart from home. The All books view adds them up without counting a transfer between them twice.
Can my family see everything?
Each person sees only the spaces you give them, at the level you choose, and every invitation and change is kept in a record you can read.
Which banks does it work with?
Most US banks, card issuers and brokerages connect through Plaid, including Chase, American Express, Bank of America, Capital One, Wells Fargo, U.S. Bank, Merrill and Axos.
Can I bring my existing history?
Yes. A bank's first pull brings up to 24 months, and you can import years more from Monarch exports, CSV or OFX files.
Can I ask an AI about my money?
Yes. Connect Claude and ask in plain words. The connection can read but never change, and it sees only the spaces you choose.
Does it work on my phone?
Yes. Fortuity Money opens in the browser on your phone with a layout built for it: a five-tab bar for Dashboard, Accounts, Transactions, Reports and Budget, and the rest one tap away. On a computer it spreads out into a full dashboard with a sidebar.
How are transfers between my own accounts handled?
They are matched, both sides, and kept out of your spending and income. Paying a card from checking or moving money into savings shows as one transfer, not an expense and a deposit.
What happens if a bank connection breaks?
Fortuity Money tries that bank again on its own first. If it still needs you, the connection shows the one thing to do, usually Reconnect, and your history stays exactly where it was.
Can my accountant get what they need?
Yes. Every space produces an income statement and a balance sheet, and exports QuickBooks bank-feed files and CSV per account and month, with a reconciliation against each bank's closing balance.
Does it handle other currencies?
Every amount keeps its original currency and converts at the reference rate for its own day, so totals across currencies stay accurate.
Is there a sample space to explore?
Yes. Members can turn on a sample space in Settings, Spaces: 18 months of made-up household and business money to click through without touching their own.
How does it decide a category?
Your rules come first. Where no rule applies, a suggestion appears with its reason beside it and waits for your approval, so the books say exactly what you decided.
Can I see what changed on a transaction?
Yes. Every edit, whether by hand, in bulk or by a rule, is kept as that transaction's history, with the bank's original description beside the cleaned-up name.
Can I take my data with me?
Yes. Download any account's transactions and balance history as CSV, or every transaction in a view, whenever you like.
Who sees my bank password?
Not Fortuity Money. You sign in to your bank inside Plaid's own window, and Fortuity Money receives an access key for that connection, held in a separate secure store, and account numbers are cut to their last four digits before anything is saved.
Does it move money?
Fortuity Money reads your accounts and keeps the record. Payments and transfers stay with your bank, where you already make them, and Fortuity Money shows each one as it posts so you can confirm it landed.
How do I sign in?
Use Sign in at the top of this page. It opens the app at app.fortuitymoney.com, where you sign in with your Epiphani account.
How do I get access?
Request access below and tell us which plan fits. We will write to you with your invitation.
Access
Every account, kept well.
Tell us which plan fits and we will send your invitation as the next group opens.
Fortuity Money
