Stewardfi vs BalanceBeacon

Most households have no idea where their money actually goes. Not because they're careless, but because nobody has ever put it in front of them clearly. Stewardfi fixes that. Every month, a licensed CPA personally goes through every transaction in your connected accounts and organizes your household's finances into plain-language monthly statements: where your money went, and what you own and what you owe. Not just an app. A person who does this for a living, looking at your actual numbers. WHAT YOU GET EACH MONTH - Monthly statements written to be read by a human being — no accounting jargon - Personal, business, and combined views if you run something on the side - Notes from your CPA on anything worth knowing - A clear net worth picture, tracked month over month WHAT'S IN THE APP - Every transaction, categorized and searchable - Spending broken down by category, with drill-downs - Net worth with a full assets and liabilities breakdown - Your monthly statements, ready to open or download - All your accounts in one place, grouped by institution - Direct messaging with your CPA BUILT BY A CPA, NOT A STARTUP Stewardfi's entire system — the chart of accounts, the categories, the statement structure — was designed by a licensed CPA who spent his career in trade accounting and derivatives. It's built on how financial statements are actually supposed to work. YOUR DATA Bank connections are read-only through Plaid. Stewardfi never sees your banking credentials and can never move money. Your data is encrypted, and you can delete your account at any time from inside the app. TRY IT FIRST Tap Demo on the opening screen to explore the full app with sample data. No account, no email, nothing to sign up for. FOR STEWARDFI CLIENTS This app is the companion to the Stewardfi service. Accounts are set up directly with your CPA — there's no signup inside the app. If you're not a client yet and want to be, visit stewardfi.ai. Stewardfi provides its reports as a consulting service. They are not an audit, review, or compilation, no assurance is provided, and they are not investment, tax, or legal advice.

BalanceBeacon answers one question: can I afford this right now? Enter your checking balance, your upcoming income, and the bills you have scheduled. Ask about a purchase. BalanceBeacon checks it against everything already on your calendar and gives you a straight answer. MORE THAN A YES OR A NO Every answer shows its work: - The exact shortfall. If a purchase takes you under, see precisely how far below zero you would land and on what date. - The bill at risk. Not a vague warning. The specific scheduled payment a purchase would jeopardize. - The earliest safe date. If today does not work, BalanceBeacon tells you the first day it does. A FORECAST THAT FOLLOWS YOUR REAL PAY CYCLE Weekly, biweekly, twice monthly, monthly, quarterly, and yearly schedules are all supported, so your projection matches how you actually get paid and when bills actually land. Confirm income and payments as they happen with a swipe. Nothing affects your forecast until you say it happened. GOALS AND DEBT Track savings goals with target amounts and dates. Choose debt snowball or avalanche and see how spare money is best directed. Bills and debts stay separate in your list but share one forecast. CATCH WHAT YOU DID NOT PLAN When you update your checking balance, BalanceBeacon compares it against what your forecast expected. If money left the account that was never scheduled, it shows you the difference and asks what it was for, so the next forecast starts closer to reality. SEE YOUR PATTERNS A 30-day trend puts this month's spending next to the month before, with weekly averages and category breakdowns, so the habits behind the number are visible rather than buried. YOUR DATA IS YOURS Everything you enter lives on your device. We do not collect it, we cannot see it, and it is not ours to sell. There is no account to create. Lock the app behind Face ID, Touch ID, or your passcode, and delete everything whenever you want. SUBSCRIPTION BalanceBeacon requires an active subscription to use. All plans include the full app. Choose a weekly, monthly, or yearly plan. Eligible new subscribers can try the yearly plan free for 7 days. - Weekly: $2.99 - Monthly: $9.99 - Yearly: $69.99, including a 7 day free trial for eligible new subscribers Prices shown are in U.S. dollars and may vary by region. Payment is charged to your Apple Account when you confirm a purchase, or after an applicable free trial ends. Subscriptions renew automatically unless canceled at least 24 hours before the end of the current period. After the yearly trial, the plan renews at $69.99 per year unless canceled. Manage or cancel from the app's Settings tab or your App Store account settings. App access requires an active subscription entitlement; access during an eligible trial or redeemed complimentary offer is included. Terms of Use (EULA): https://getbalancebeacon.com/terms Privacy Policy: https://getbalancebeacon.com/privacy BalanceBeacon is an estimation tool, not financial advice. Its answers depend on the information you enter, and it cannot guarantee future balances or payment outcomes. It does not connect to your bank, move money, or pay bills on your behalf.