Your complete net worth
Bank balances, investment portfolio, property equity, pension, minus mortgage and liabilities. One number that reflects your actual financial position, refreshed every time your accounts sync.
MyCFO turns the complexity of your financial life (multiple banks, investments, a mortgage, currencies) into one consolidated view. Then it acts as your CFO: watching your accounts, flagging what's changed, and telling you what to do about it.
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Most financially literate professionals are managing 3–4 institutions at once: a salary account, Revolut for daily spending, a savings account, a brokerage. Each app shows one slice. Your real position requires mental arithmetic across all of them, and it's always approximate.
The cost rarely shows up as a single bad decision. It shows up as a savings rate that's lower than it should be, a tax deadline missed in December, cash sitting idle because nobody flagged the timing. None of it feels urgent in the moment. Ten years on, it's the gap between two very different financial pictures.
Most tools show you one account at a time. MyCFO holds the whole picture and tells you what to do about it.
Bank balances, investment portfolio, property equity, pension, minus mortgage and liabilities. One number that reflects your actual financial position, refreshed every time your accounts sync.
Connects across banks via Open Banking or CSV upload. Automatically detects when you move money between your own accounts, so your spending numbers reflect what you actually spent, not what you transferred to yourself.
Not "did I stay within budget?" The question that actually matters is "how long can I sustain this?" MyCFO calculates your real runway from actual income and actual spend, updated with every sync.
Based on your actual spending patterns, recurring commitments, and income rhythm, MyCFO projects your cash position forward. Unlike a budget you set once and forgot about, this forecast updates itself as your life changes.
Unusual spend this month. A direct debit that changed. A recurring payment that didn't arrive. MyCFO surfaces the signal before you go looking for it.
Add a property, update your portfolio value, record a new liability. Tell your CFO in plain language. It updates your position and asks the right follow-up questions. A real CFO learns through conversation.
MyCFO learns your financial situation and keeps getting more useful the longer you use it.
Link your accounts via Open Banking, or drop in a CSV export from any bank. ActivoBank, Revolut, ING, and more. MyCFO auto-detects transfers between your own accounts so your spending numbers are accurate from day one.
No forms, no setup wizard. Just talk: "I have a DEGIRO portfolio worth €28k, a mortgage at €180k outstanding, and I'm saving for a house in Spain." The CFO holds that context and builds your complete picture through conversation.
Weekly financial briefings, proactive alerts when something changes, and answers to any question, all working from your complete, accurate picture. The CFO never stops watching, even when you're not thinking about money.
Spreadsheets work, if you maintain them. The real problem isn't that they're primitive, it's that they're passive: a spreadsheet never tells you something you didn't already know to ask. You have to think of the question, open the file, and run the numbers yourself. MyCFO watches your accounts and surfaces what matters without waiting to be asked.
Your bank shows you one bank's data: never your Revolut balance alongside your main account, your brokerage, or your mortgage. A complete picture might mean you buy fewer of their products, so it's not really in their interest to show you one. MyCFO has no products to sell you. Its only incentive is giving you an accurate, complete view.
Most people in this situation do muddle through, and nothing falls apart. But muddling through has a quiet cost: a savings rate that could be a few points higher, a pension deduction missed every December, cash left idle because nobody flagged the timing. MyCFO closes the gap between what you assume is true and what's actually true. Stretched over a decade, that gap adds up to a genuinely different outcome.
"The first time I ran my own finances through MyCFO, I had a real runway number — not a feeling, not a back-of-envelope estimate. A number I could actually act on. From that, I set a real monthly spend budget for the first time. And from that, I could see clearly how much I was able to redirect to investing each month — capital I'd been sitting on because I never knew with certainty whether I could commit it."
— Salvador, founder of MyCFO
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