Put your financial world in one picture.
Your property, investments, pensions, cash and loans usually live in different places. InFrame brings them into one picture, so you can see where you stand, how you got here, and how different choices could change the next 10 to 20 years.
For individuals, couples and households and financial advisors. No bank logins. See pricing
Asset Allocation
Capital Structure
€632,000
€188,000
Liquid Runway
Baseline: €632,000 today with €30k liquid reserves
Every part of your picture, one flip away.
Net worth, structure, runway, strategy, cash flow, loans, scenarios, goals and history: all drawn from the same example household.
€632,000
7 holdings
Assets €820,000 · Liabilities −€188,000
Net worth
Everything you own minus everything you owe, in one number.
Your own picture in about three minutes.
A new account starts with a few short questions, one per screen, and your Dashboard fills in as you answer. Nothing to look up first: a rough answer is fine, and you can make it exact later.
Setup
Who it is for, your home, take-home pay, savings, what you owe, what you put aside and one goal.
- Type the exact amount, or pick a range when you are not sure; a rough figure is marked ≈ until your Month Check-in makes it exact
- Every debt behind one question: a mortgage, a car loan or lease, a card or overdraft, instalments, money owed to a person
- A line of plain fact after an answer, such as how many months your savings would cover; never advice
- Your usual spending is worked out from what you put aside, so there is no list of costs to fill in
- Skip anything, or set it up later and carry on where you stopped
Make it yours
A short list on your Dashboard of what would make your picture more exact, a few minutes each.
- When you bought your home or car, and for how much: your history then starts at the purchase
- When the mortgage started, how much you borrowed and for how long: it is rebuilt month by month from day one
- What your home has gained since you bought it, and how fast your car loses value
- Your partner’s own take-home pay in place of an estimate, your pension’s value, and your first Month Check-in
Financial lives are harder to see as a whole.
The pieces may each make sense, but seeing the whole picture is difficult. InFrame brings together assets, liabilities, loans, cash flow, ownership, financial history, and future projections into one financial picture instead of disconnected numbers.
What happens if nothing changes?
€820k Assets across property, investments, and €30k liquid reserves against €188k debt.
Passive asset compounding outpaces debt interest. Mortgage principal amortises steadily.
Passive yield reaches €3,800/mo, surpassing household baseline living expenditure.
Debt eliminated. Capital compounding continues based on historical baseline returns.
See the picture. Understand the path. Change a choice. See the consequence.
What if you invest more? What if you pay down debt? What if you take a sabbatical or reduce work? The platform shows consequences based on assumptions, giving you the clarity to explore what could change. A second line shows the future in today's money, after expected price rises.
Test a choice before committing real money.
Adjust monthly surplus allocation to see how your balance sheet diverges over 15 years.
Strategic Tradeoff: Psychological security & zero debt · Slightly lower terminal wealth
Accelerating mortgage repayment clears fixed monthly debt payments 7 years ahead of schedule, dramatically lowering your monthly freedom threshold.
Your loans and your monthly money, in the same picture.
A balance sheet shows what you own and owe. Loans and cash flow show how it moves: what each month brings in, what it costs, and what your debt will cost from here. A short Month Check-in keeps it current, with no bank logins: you paste your balances and change only what was different.
Loans and leases
Every loan as a timeline: when it started, each rate reset, each extra payment.
- Each payment split into interest and what you repaid, the month repayment overtakes interest, and what every €1 borrowed costs
- Variable rates follow 6M Euribor from the European Central Bank, with a rate watch before each reset
- Car loans and leases, with a residual or handed back at the end, and a heads-up before the residual is due
- Have the loan contract read for you, or paste the bank's repayment schedule; a rate you do not know is worked out from your payment
- See what a loan has cost so far and will cost to the end, and try paying it off faster
Cash flow and bills
Money in, a typical month of costs, and what really happened each month.
- Income for each person, with the share that goes to the household
- Loan payments split: the interest is a cost, what you repaid is saved into your home or car
- What your holdings pay you, such as dividends, interest and rent, in the month it arrives, with any tax withheld on the way shown beside it
- Forward a bill by email; InFrame reads it and suggests where it belongs, you confirm it
- See each vendor and how often they bill you
- Year over year: each cost against the same month last year, with buying, selling and taxes kept apart from spending
Build the complete financial picture for every client.
A client's financial world doesn't live in one account. It is spread across investments, pensions, property, cash, liabilities, strategies and decisions made over time. InFrame gives advisors one structured picture of it all.
One financial framework. Different ways to use it.
Product architecture supports multiple audiences while keeping the underlying decision engine consistent.
Advisors
Build the complete financial picture for every client.
See the client's complete financial picture. Work from the same context. Explore decisions and their consequences together — so both advisor and client understand the path forward.
Shared
See two financial lives as one shared picture.
See two financial lives as one picture — without merging ownership. Separate assets stay separate. Shared obligations are visible to both. You understand the whole without pretending everything is joint.
Individuals
Understand what is actually happening in your financial life.
See how your assets, liabilities, cash and strategies interact. Understand where money is going, what is compounding, and how today connects to where you could be in 10 or 20 years.
Your financial picture can be too.
Shared visibility doesn't have to mean shared ownership. InFrame lets partners and households coordinate joint decisions without commingling distinct assets.
Combined Household View
See the complete financial picture without forcing all bank accounts and legal titles to merge.
Your financial picture has a history.
Look back to understand how your position changed. See today to understand your current position in one place. Look ahead to project where your current path could lead.
Aggressive Accumulation: 70% Equities / 20% Real Estate / 10% Cash
Monthly Inflow: €2,000 | 18 Actions Completed
Balanced Family Growth: 60% Equities / 25% Real Estate / 15% Cash
Monthly Inflow: €1,500 | Runway Floor: 6 Months (€16,300)
Never wonder "What did I decide at that time?"
When market volatility strikes or life priorities shift, you have a clear record of past decisions, assumptions, and agreed rules so you don't second-guess yourself in a panic.
Action adherence without moral judgment
Timely instructions guide when contributions are due at your bank or broker. You log actual outcomes and variances factually, preserving reality without guilt.
Scheduled reviews over reactive tinkering
Review cadence ensures you revisit your strategy on your own schedule (semi-annually or annually) rather than reacting to daily headlines.
Not another investment platform.
InFrame doesn't replace your bank, broker, or investment manager. It doesn't tell you what to buy or sell. Managing each part is not the same as understanding the whole — and most tools stop at the parts.
Money → Wealth
A bank shows an account. A broker shows investments. A budgeting app shows what you spent last month. Those are all transaction views — useful for tracking money, useless for understanding wealth. InFrame is built around the shift between the two: from watching individual balances move to seeing your entire balance sheet compound over a decade or two.
The principles behind InFrame.
Clear definitions of our core financial framework, designed for transparency, mathematical rigor, and decision clarity.
What is InFrame?
InFrame is a financial decision support and long-term scenario modelling platform. It helps individuals, partners, and financial advisors understand their complete balance sheet, explore choices through interactive scenarios, and see how today's financial decisions impact their multi-decade financial trajectory.
What is the Boring Baseline?
The Boring Baseline is InFrame's projection of what happens if a person simply continues their current financial strategy without making changes. By making the unhurried progress of compound growth and regular debt paydown visible over 10 to 20 years, it helps wealth builders stay the course and avoid restless tinkering.
What is Liquid Runway?
Liquid Runway measures how many months of mandatory living obligations and fixed debt commitments can be covered by readily accessible cash reserves without relying on active monthly income. It translates a raw bank balance into concrete months of survival security and career freedom.
What is the Freedom Crossover Point?
The Freedom Crossover Point is the projected calendar date at which passive yield generated by appreciating, compounding assets meets or exceeds monthly lifestyle spending under defined assumptions. It marks the structural transition from working for income to financial independence.
Choose how you use InFrame.
Start free. Pay only for the way you use it: your own finances, a household, or your clients'.
The first 100 accounts keep InFrame Single for good, at no cost.
Unlimited tracked items, Runway, scenarios, Insights and AI reading of bills and contracts, on your own picture. Nothing to pay now or later.
InFrame Basic
Simple personal tracking
Free
No card needed
- Free to start
- Net worth, loans and Cash Flow
- Up to 10 tracked items
InFrame Single
My finances
€4.99 / month
Billed monthly, or €49.99 billed yearly
- Unlimited tracked items
- Runway, scenarios and Insights
- AI reading of bills and contracts
InFrame Shared
Our finances
€6.99 / month
Billed monthly, or €69.99 billed yearly
- Everything in Single
- Up to 3 people in total
- One price, no per-seat fees
InFrame Advisor
My clients' finances
€14.99 / month
Billed monthly, or €99.99 billed yearly
- Client dashboard and secure links
- Draft portfolios for clients
- Free once 3 clients are on paid plans
Creating an account is free and starts on Basic, with no card. Paid plans are not on sale yet; when they open, they cost what is shown here.
Frequently Asked Questions
What is InFrame?
InFrame is a financial decision support and long-term scenario modelling platform. It brings assets, liabilities, loans, income and costs, ownership, financial history, and future projections into one picture — for individuals, shared households, and financial advisors.
How much does InFrame cost?
InFrame Basic is available at no cost for simple personal tracking. InFrame Single is €4.99/month or €49.99/year for my finances. InFrame Shared is €6.99/month or €69.99/year and covers up to 3 people in total. InFrame Advisor is €14.99/month or €99.99/year, and becomes included at no cost once 3 clients are on paid plans. Every account starts on Basic, and the paid plans are not on sale yet.
How is InFrame different from an investment platform?
InFrame does not replace your bank, broker, or investment manager. It does not provide automated investment recommendations, portfolio rebalancing, or trading. Its purpose is to provide context around your overall financial decisions and show how different choices could affect your long-term trajectory.
Who is InFrame for?
InFrame serves three audiences. Financial advisors use it to build and maintain a complete financial picture for each client. Shared households use it to understand two financial lives together without forcing ownership to merge. Individuals use it to move their financial understanding out of spreadsheets and scattered accounts into one structured picture.
How long does it take to set up?
About three minutes. A new account asks a few short questions, one per screen: who the picture is for, your home, take-home pay, savings, what you owe, what you put aside each month and one goal. A rough answer is fine and is marked as rough until you make it exact. Afterwards, a short list on your Dashboard helps you add the details at your own pace, such as when you bought your home or when your mortgage started.
Does InFrame connect to my bank accounts?
No. InFrame does not store bank credentials or connect to financial institutions, and you decide what goes in. You type values in yourself, or, on the paid plans, let InFrame do the reading: forward a bill by email and confirm it in one review sheet, have a loan contract read (your browser removes personal codes, account numbers and names before it is sent), or paste your bank's repayment schedule, which is read in your browser. Euribor rates for variable-rate loans come from the European Central Bank. Nothing is filed until you confirm it. When AI reads a bill or a contract, or writes your Insights, it sees amounts and what kind of thing they are, never who you are or where you live.
What does "shared visibility" mean?
Shared visibility means partners or household members can see the combined financial picture without merging legal ownership. Each person keeps their individual assets, pensions, and debts clearly attributed. The shared workspace shows the combined view alongside each person's independent perspective.
What are scenario projections?
Scenario projections let you model financial decisions — like buying property, changing jobs, or adjusting savings rates — and see how they would affect your net worth, liquid runway, and freedom crossover point over a 10 to 20-year horizon. The default projection, called the Boring Baseline, shows what happens if nothing changes.
See where your choices lead.
Build your financial picture. Explore your options. Understand the path ahead.