One private financial workspace
Household cash flow, property, investments, crypto, metals, tax readiness and the decisions you make with them, in one place. The Financial Pulse keeps unknowns visible, shows what changed since your last review, and preserves the reasoning behind every decision.
No sign-in to explore. The workspace is free. A report to take with you is $49, no subscription.
Cash, income, bills, subscriptions, holdings, property and tax records in one private picture. Unknowns stay visible instead of becoming zero.
One stored observation per day you open the pulse. Merlin compares it with your last review and names the rule behind every attention item.
Model a sale or a response to a tight week, compare alternatives, save the reasoning, and see when the facts it rested on change.
A tracker tells you what you own. Sigil One tells you what your financial state means, and keeps the reasoning behind what you decide.
Current records, possible decisions and completed activity stay separate. Every figure carries its source, unknown stays unknown, and a saved decision flags the day its facts change.
Six doors, one workspace
Every door leads into the same private financial state and the same Financial Pulse. Add what you know first; each prompt afterwards says what adding more unlocks.
Is the month covered?
Start with one balance and one bill. It unlocks a cash-flow outlook for the next 30 days.
What does each property contribute?
Start with a property and its entered value. It unlocks known equity once the loan balance is linked.
How concentrated am I?
Start with one holding, its quantity and basis. It unlocks position value and concentration across everything you own.
Am I ready for my CPA?
Start with the documents you expect this year. It unlocks readiness tracking and CPA questions built from your records.
What would this sale mean?
Start with one position and a possible sale price. It unlocks a saved decision that flags when its facts change.
Where does my whole financial life stand?
Start with a household. It unlocks a daily observation you can compare against later.
Try it here · no sign-in
Adjust the amount or price, compare an alternative, or try missing cost basis.
Fictional inputs, not live quotes. Both scenarios share the basis and rate below. Changes stay on this page and do not save a decision.
Unknown basis stays unknown. It is never replaced with zero.
Fictional manual entry. Example rate, not a recommendation.
Sale proceeds minus estimated tax at your selected rates. Fees and other taxes are not included.
Federal 24% · State tax not included · Scenario date 2026-09-08
Are this basis, holding period, and rate appropriate, and what facts could change the result?
Proposed proceeds = units × chosen sale price. Modeled gain or loss = proceeds − the units' entered basis. Estimated federal tax = positive gain × 24%. Proceeds after the estimate = proposed proceeds − estimated federal tax.
All amounts are USD. Loss offsets, other income, net investment income tax, state tax, fees, special asset treatment, and final filing requirements are outside this illustration. A modeled loss has no estimated tax benefit here. Filled-in inputs do not establish source accuracy.
Manual entry across all four. Supported crypto imports after review. Positions are valued at the prices you enter and say so; sale estimates use selected capital-gains rates, without asset-specific tax treatment.
Keep annual local and school property-tax bills by property and year, link rent, mortgage and other costs to the property they belong to, and see each property's equity and monthly contribution in the Financial Pulse. Crypto rows remain staged until you review and confirm them into planning records.
Check a CSV for usable rows, missing information and possible duplicates. The free diagnostic does not save your file.
The workspace is free. Portable outputs are paid.
Recurring value grows with use: stored observations, what changed since your last review, recurring Merlin observations, property comparison and household collaboration. All of it is included today.
The workspace is free: every capability above, with no usage limit and no subscription. Pay only when you choose a package or report.
Create my free workspacePackage your decisions
One or more selected saved decisions, with assumptions, modeled outcomes, source context and CPA questions.
Captured starting scenarios stay in the PDF and archive without a separate purchase. Fingerprints detect changes to preserved content. They do not verify source accuracy or tax treatment.
Report on current records
Current positions and their supporting records, ready for review.
Includes a 72-hour re-export window.
Report on completed activity
Eligible completed sales and disposals prepared for CPA review.
Includes a 72-hour re-export window.
For planning and review, not tax filing or professional tax advice. Modeled outcomes depend on your assumptions and available records. Missing information remains visible. Private household state stays private: explicit permissions, provenance on every figure, unknowns kept unknown, and no advertising built on your financial records.
Before you begin
One private workspace for your whole financial life: household cash flow and budget, property, investments, crypto and metals, tax readiness and saved decisions. Start from any one of them. The Financial Pulse brings them together and shows what changed since your last review.
Sigil One supports planning and review. It does not file taxes, calculate your final tax bill or provide professional tax advice. Estimates depend on your selected assumptions and available records. Review final treatment with your CPA.
Everything in the workspace: the Financial Pulse, household cash flow and budget, holdings across four asset types, property intelligence, tax readiness, Merlin observations, daily observations and saved decisions. Try the fictional examples without an account. No wallet, exchange or bank connection is required.
One portable output: a CPA Handoff Package, a Holdings PDF or a CPA Disposal Report. Each is a separate $49 purchase. The package can contain one or more selected saved decisions. There is no subscription.
Each day you open the Financial Pulse, Sigil stores one observation of your known position and compares it with your last review: what moved, which recurring costs grew, which property changed, which saved decision now rests on changed facts. Nothing is reconstructed from current facts and nothing is predicted.
Positions are valued at the prices you enter, and the page says so. Public on-chain reference prices for crypto, gold and silver are read only where a deployment has an authorized price-feed gateway configured; until then live reference prices are marked as not enabled. Stocks, funds and property always use what you enter.
Crypto, stocks, ETFs and funds, real estate and REIT holdings, and physical or paper metals. Crypto supports reviewed file imports, manual entry and optional read-only transaction evidence from a public Bitcoin address. Address activity does not establish cost basis. Other assets use manual entry, including annual local and school property-tax records.
Missing information stays visible. Unknown basis is never treated as zero, and an estimate that requires it remains incomplete. Every prompt for more information says what adding it unlocks.
Only you, unless you invite a member and grant exactly what they may see. Every figure carries its provenance, history is kept rather than rewritten, and no advertising is built on your financial records.
One balance and one bill are enough to begin. The picture grows with what you add.
