FINANCIAL OS · WEB PLATFORM

Financial intelligence,
reimagined.

The complete financial OS for individuals, freelancers and independent professionals. Real-time tracking, monthly analysis, committed savings.

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THREE DIFFERENTIATING MECHANICS

A new philosophy of personal finance.

Three principles that turn a tracker into a system - committed engagement, editorial rhythm, and educational tone.

01
MONTHLY PACT

Commit, then deliver.

Set a savings target each month - a quantified commitment, not a vague intention. Financial OS tracks your delivery rate, month after month, building the discipline of execution.

02
MONTHLY LETTER

Read your month.

On the first of each month, receive a structured analysis of your finances - savings rate, expense trend, diversification. Five readings, one verdict, prose written like a financial review.

03
SOFT FRICTION

Educate, never punish.

When you exceed a threshold or miss a target, Financial OS does not scold. It reframes, contextualizes, suggests. Money management as a long conversation, not a daily judgment.

MODULE PERSO · SIX VUES

Six modules. One financial OS.

Dashboard
01 DASHBOARD

The overview.

Treasury
02 TREASURY

The flow.

Wealth
03 WEALTH

The position.

Loans
04 LOANS

The pledge.

Goals
05 GOALS

The horizon.

Analysis
06 ANALYSIS

The verdict.

CAPABILITIES

Everything you need to pilot.

Real-time dashboard

Position of the month, six-month trend, top expenses, recent movements - your monthly state of affairs at a glance.

Treasury - four zones

Liquidity tracking across accounts, projected savings, three-month structural breakdown, anomaly alerts.

Net worth tracking

Assets minus liabilities with composition donut, net worth evolution, manual snapshots saved as historical milestones.

Loans & credits

Mortgage and consumer loans with capital remaining, repayment progress, average term, end-date estimates.

Goals

Quantified objectives with deadlines and required monthly savings - committed allocation across multiple goals.

Novalis Analysis

Monthly verdict scored on five dimensions - savings rate, expense trend, diversification, fixed expenses, debt - with editorial commentary.

PRICING

One plan. Everything included.

FINANCIAL OS - PERSONAL
$ 19.99 / month

$143.99 / year save 40%

7-day free trial. No commitment. Cancel anytime.

Everything included:

  • Real-time dashboard with monthly KPIs and six-month trend
  • Treasury, wealth, loans, goals - full pilot suite
  • Novalis Monthly Letter delivered the first of each month
  • Monthly Analysis verdict on five dimensions
  • CSV import + monthly PDF report + wealth snapshot export
  • FR + EN interface, real-time language switching
Start monthly trial · $19.99/mo Start free trial - save 40%
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