EARLY ACCESS · LIFETIME MEMBERSHIP FOR AN AFFORDABLE PRICE

Cash flow today. Net worth tomorrow.
One model for the rest of your life.

SonarFinance fuses an expense tracker, a portfolio, and a lifetime financial-planning engine into a single dashboard. Built for people who already keep a spreadsheet — and have outgrown it.

Start free → no card
CSV / PDF UPLOAD·UNLIMITED TRACKING · FREE·SGD-NATIVE
●app.sonarfinance.io / dashboard
NET WORTH
S$184,210
+S$3,210 · MAR · +1.78%
SPENT · MARS$5K
MTD SPEND
S$4,820
of S$5,400 budget
7 categories · auto
SAVINGS RATE
38.2%
+2.4pp vs 3-mo avg
IncomeS$8,420
OutflowS$5,210
SavedS$3,210
CASH FLOW · 8 MONTHS
Income vs outflow
JOINT · RECONCILED
04K8K12KAugSepOctNovDecJanFebMar
Recent activity
412 TXNS · MAR
14 MarNTUC FairPrice-82.40
13 MarSalary · Acme+8,420.00
12 MarSP Group · Utilities-148.20
11 MarSpotify Premium-16.98
10 MarGrab-14.80
●app.sonarfinance.io / planner
NET WORTH PROJECTION · 60Y
Plan: Retire@62 — GK guardrails
P25–P75 Median
01M2M3M4M5MRETIREMENT · AGE 65S$2.7M324555657590
PEAK
S$3.1M
@ AGE 65
S$2.42M
SUCCESS
87.4%
DEPLETION
Age 96
PLAN INPUTS
Retire age62
SpendS$6,000/mo
Equity / bonds70 / 30
Inflation2.8%
WithdrawalGK
RECOMPUTE · 1,800 cells · ~80ms
●app.sonarfinance.io / planner / monte-carlo
MONTE CARLO · SEQUENCE-OF-RETURNS
5,000 simulated lives
Survives Depletes
SUCCESS
87.4%
P10 END
S$0.31M
P50 END
S$1.92M
SWR
3.78%
WITHDRAWAL · COMPARE
3 paths to age 92
01M2M3MYear 0+30y
4% ruleS$0.42M
Guyton-KlingerS$1.61M
VPWS$0.18M
●app.sonarfinance.io / ledger
MTD SPEND
S$3,210
of S$4,820 budget
CATEGORIES
GroceriesS$412
BillsS$386
TransportS$184
Food outS$312
SubsS$92
All transactions
RECONCILEDstatement_dbs_mar25.csv · 2.4s
14 MarNTUC FairPrice · Ang Mo Kio-82.40AUTO
13 MarSalary · Acme Pte Ltd+8,420.00RULE
12 MarSP Group · Utilities-148.20AUTO
12 MarGrab · Tanjong Pagar → Home-14.80AUTO
11 MarSpotify Premium-16.98RULE
11 MarRefund · Shopee+24.50MATCH
10 MarBurpple Beyond-19.00AUTO
09 MarTransfer · UOB → DBS—PAIR
08 MarCold Storage · Holland V-64.20AUTO
07 MarGIRO · MediShield Life-52.00RULE
●app.sonarfinance.io / portfolio
UNIFIED NET WORTH
S$921K
+0.42% · S$3,840 today
ALLOCATION
Equities8.5%
CPF OA12.8%
CPF SA8.1%
Property66.4%
SRS1.6%
Cash4.2%
Holdings
PREVIEW · Q3 2026
VWRA
Vanguard FTSE All-World
S$78K
+0.84%
CPF · OA
Ordinary Account
S$118K
+0.21%
CPF · SA
Special Account
S$75K
+0.32%
HDB · Tampines
Real estate
S$612K
—
SRS
Supp. Retirement Scheme
S$15K
+1.20%
Cash · SGD
DBS / UOB / SCB
S$22K
—
Cash flow, savings rate, and net-worth at a glance.
01 · THREE TOOLS, ONE MODEL

Most apps stop at one column. SonarFinance ties them together.

Budgeting apps stop at transactions. Portfolio trackers don't model retirement income. FIRE calculators ignore your real spending. We do the join.
01
Expense tracker
LIVE
Drop in CSV/PDF statements and our parser handles dedupe, schema detection, and auto-categorisation. Custom rules, joint accounts, refunds, transfers — all handled. Direct bank sync arrives Q4.
statement_dbs_mar25.csv
PARSED · 412 ROWS
14 MarNTUC FairPrice · Ang Mo Kio-82.40AUTO
13 MarSalary · Acme Pte Ltd+8,420.00RULE
12 MarSP Group · Utilities-148.20AUTO
12 MarGrab · Tanjong Pagar → Home-14.80AUTO
11 MarSpotify Premium-16.98RULE
10 MarBurpple Beyond-19.00AUTO
+406 more · auto-categorised in 2.4s96% match →
02
Portfolio tracker
Q3 · COMING SOON
Equities, CPF, real estate, and other holdings in one ledger. Historical positions feed straight into the projection engine — no second spreadsheet.
PREVIEW
UNIFIED NET WORTH
S$899K
+0.42% · S$3,840 today
VWRA
Vanguard FTSE All-World
S$78K
CPF · OA
Ordinary Account
S$118K
CPF · SA
Special Account
S$75K
HDB · Tampines
Real estate
S$612K
SRS
Supp. Retirement Scheme
S$15K
03
Lifetime planner
LIVE
Build named plans from incomes, expenses, assets, debts, and properties. Year-by-year projections to end-of-life with Monte Carlo, withdrawal strategies, and stress tests.
Plan: Retire@62
33 yr horizon
AGEASSETSINCOMEEXPENSEΔ
32S$184KS$101KS$58K+S$43K
35S$312KS$116KS$63K+S$54K
40S$615KS$142KS$71K+S$71K
50S$1.4MS$168KS$79K+S$89K
62RETIRES$2.2MS$84KS$72K+S$12K
75S$2.4MS$41KS$78KS$-37200
90S$1.2MS$28KS$85KS$-56600
SUCCESS
87%
DEPLETION
Age 96
PEAK
S$3.1M
PROJECT · LIVE · NO SIGN-UP

Three knobs. Sixty years of math, recomputing as you drag.

This is the same engine the full app uses — just three inputs instead of forty. Drag and watch the projection redraw in your browser.
SUCCESS RATE
98%
Δ when sliders move · ~12ms
Current age32
30 years to retire
Save / monthS$2,400
32% of S$90K take-home
Retire at62
Withdraw S$6,000/mo · 28 yr horizon
@ 62
S$3.75M
PEAK
S$7.26M
@ 90
S$7.26M
NET WORTH · 32 → 90
Live projection — recomputes on every drag
RECOMPUTE · 696 cells
S$1.82MS$3.63MS$5.45MS$7.26M326290RETIRE
SAVE TIL 62
STARTING S$184K
RETURN 6.2% real
SPEND S$6K/mo
02 · WHERE A SPREADSHEET STOPS

The model financial advisors charge S$3,000 to run. Yours, every Sunday morning.

Five thousand Monte Carlo runs. Six decades of historical sequences. Four withdrawal strategies. Turn a knob and watch every number downstream re-derive.
MONTE CARLO · 5,000 RUNS
Sequence-of-returns risk
Survives Depletes
SUCCESS RATE
87.4%
P10 ENDING
S$0.31M
P50 ENDING
S$1.92M
SAFE WITHDRAWAL
3.78%
WITHDRAWAL STRATEGY · COMPARE
3 paths to age 92
01M2M3MYear 0+30y
4% rule (constant real)S$0.42M
Guyton-Klinger guardrailsRECOMMENDEDS$1.61M
VPW (Bogleheads)S$0.18M
HISTORICAL STRESS TESTS
If you retired the year before…
BACKTEST · 1929–2023
1929Survives
Great Depression
Equity drawdown −83%
1973Survives
Stagflation
Equity drawdown −45%
2000Survives
Dot-com bust
Equity drawdown −49%
2008Survives
GFC
Equity drawdown −54%
WHAT-IF · EVERYTHING RECALCULATES
Knobs you'll actually turn
Retire age
62
Spend in retirement
S$6,000/mo
Equity allocation
70 / 30
Inflation assumption
2.8%
CPF LIFE plan
Standard
Live recompute: 1,800 cells · ~80ms
HOW IT COMPARES

You probably already tried these. Here's what's different.

We don't sell funds and we don't sell your transactions. You pay once, you get the math, and your data lives on your device.
CAPABILITY
SonarFinance
this product
Spreadsheet
Excel · Sheets
Generic tracker
Mint-likes
Robo-advisor
Endowus · Syfe
Auto-categorise SG bank statements
—
—
CPF · OA / SA / MA modelling
partial
—
—
Monte Carlo · 5,000 runs
—
—
partial
Guyton-Klinger · VPW · 4% rule
partial
—
—
Historical stress tests (1929 →)
—
—
—
Joint accounts with split rules
partial
partial
—
Holds your portfolio (managed)
—
—
—
Your data stays your data
partial
partial
One-time price
S$50
—
S$0–14/mo
0.4–0.6%/yr
NOT AFFILIATED · Compared against publicly-listed feature sets · Updated 02 May 2026
03 · GET YOUR DATA IN

Drop a statement.
The model handles the rest.

Export your monthly statement as CSV or PDF, drag it into SonarFinance, and a parser trained on local bank formats does the rest — schema detection, dedupe, auto-categorisation, refund and transfer matching. Two seconds, hundreds of rows, zero spreadsheets.

CSV + PDF
DBS, OCBC, UOB, SCB, Citi, HSBC.
Auto-categorisation
Trained on local merchants.
Joint accounts
Split rules per shared account.
Auto-sync · soonSOON
Direct bank connections, Q4 2026.
upload · statement_dbs_mar25.csv
SECURE
$ sonar parse statement_dbs_mar25.csv
→ detected schema · DBS Multi-Currency · 412 rows
→ deduped against ledger · +387 new
→ categorising · 412/412
→ matched rules · 41 · ML model · 358
→ flagged for review · 13
 
✓ ledger updated · 2.4s
→ encrypted at rest · AES-256, per-tenant keys
→ next step queued · 13 review · 0 errors
$ ▮
PARSES STATEMENTS FROMNO BANK CREDENTIALS · CSV / PDF ONLYUPDATED · 02 MAY 2026 · 6 BANKS · 412 PARSE RULES
DBS
Multi-Currency · POSB
OCBC
360 · Frank · Plus!
UOB
One · Lady's · Stash
SCB
Bonus$aver · JumpStart
Citi
Wealth First · Plus
HSBC
EveryDay · Premier
CPF
OA · SA · MA · LIFE
IRAS
Personal income tax
04 · BUILT FOR WHERE YOU ACTUALLY LIVE

Models the local mechanics — so you don't have to.

CPF contribution rates, BRS / FRS / ERS payout tiers, stamp duty on second properties, MediShield premium curves through age 90. Built into the engine, not a worksheet you have to maintain.

CPF · OA
S$118,420
CPF · SA
S$74,860
CPF · MA
S$48,210
CPF LIFE
Standard plan
BSD/ABSD
Modeled
MediShield
To age 90
04 · ROADMAP

What ships next. Built in public, on a public clock.

We don't pre-announce features we can't deliver. Below is what's shipped, what's being written this quarter, and what we've put on the calendar after that.
SHIPPEDIN BUILDPLANNEDEXPLORINGNOW · Q2 2026
Q1 2026SHIPPED
Tracker · v1
Statement upload, auto-categorisation, joint accounts, cash-flow dashboards.
  • CSV + PDF parser
  • 6 SG banks
  • Custom rules engine
Q2 2026SHIPPED
Planning engine
Monte Carlo, withdrawal strategies, historical stress tests, CPF + tax modelling.
  • 5,000-run Monte Carlo
  • 4% / GK / VPW / CAPE
  • CPF LIFE tiers
Q3 2026IN BUILD
Portfolio tracker
CPF, equities and SG real estate first. Net-worth waterfall, asset-class drift, rebalance signals.
  • CPF · OA / SA / MA
  • SGX + US equities
  • Drift + rebalance alerts
Q4 2026PLANNED
Direct bank sync
Read-only connections to local banks. No more monthly uploads. Tokenised, revocable, audit-logged.
  • DBS · OCBC · UOB first
  • Read-only OAuth
  • Per-account toggles
Q1 2027PLANNED
Property + tax engine
Full BSD/ABSD, rental yield, refinancing breakeven. SG personal income tax with reliefs.
  • Mortgage + refi modelling
  • BSD/ABSD ladders
  • Reliefs + projections
Q2 2027PLANNED
Native iOS · Android
Daily-driver mobile companion. Quick-capture for cash, biometric unlock, widgets.
  • Quick-capture cash
  • Biometric · Face ID
  • Home-screen widgets
LaterEXPLORING
Advisor mode
Multi-household plans, white-label reports, fee-only IFA workflow. If demand is real.
  • Multi-household
  • White-label PDF
  • Fee-only IFAs
LAST UPDATED · 02 MAY 2026 · COMMIT a91f3c2
BUILT IN PUBLIC
05 · PRICING

Free forever for tracking. Pay only for the planning engine.

EARLY ACCESS · LIFETIME MEMBERSHIP
Lock in every Pro feature for life at an affordable one-time price. No subscription. No renewals.
Basic
Forever · for trackers
Free
Start free →
  • Unlimited transactions
  • CSV / PDF statement upload
  • Auto-categorisation + custom rules
  • Cash-flow + spend dashboards
  • Joint accounts
  • 10 connected accounts
EARLY ACCESS · LIFETIME MEMBERSHIP
Pro
For people who plan
S$50/ year
Start free trial →
  • Everything in Basic
  • Lifetime financial planning engine
  • Monte Carlo · 5,000 runs
  • 4% / GK / VPW / CAPE withdrawal
  • Historical stress tests
  • CPF + tax + property modelling
  • Portfolio tracker (Q3)
  • Unlimited plans, side-by-side compare
  • Price-lock guarantee · forever
No credit card to start
Price-lock once subscribed
Cancel anytime, keep your data
06 · FAQ

Practical questions,
practical answers.

Want the long version? Read the docs →

Export a monthly statement from your bank as CSV or PDF, drag it in, and our parser handles schema detection, dedupe, and auto-categorisation. Direct bank sync is in development for Q4 2026 — until then, monthly upload takes about 90 seconds.