Concierge
From NZD $149/mo
- Everything in Self-serve
- Bespoke widgets, integrations, and AI agents
- Scoped one-off builds from NZD $1,500
- Direct line for questions and tweaks
00Personal ERP — Live bank sync (NZ)
Run yourselflike a company.
Connect your bank and YouInc keeps a live double-entry ledger of your whole financial life — then shows you the CFO view: net worth, runway, cashflow, and the one thing to do next.
No card · Read-only bank access · Live in 2 minutes
01The Engine
The engine: every dollar gets an account, every entry balances
- 01
Every dollar gets an account.
Your bank feed lands as raw transactions. The engine posts each one to a real double-entry ledger — nothing floats untracked.
- 02
Every entry balances.
Double-entry isn't retro. It's why the numbers never lie: debits equal credits, on every transaction, always.
- 03
Nothing is silently wrong.
Rules route each transaction. Unknowns fall back to NZFCC categories, and anything uncertain lands in suspense — flagged, never guessed.
DATEPAYEEACCOUNTDRCR
2026-07-08KŌKAKO CAFEExpenses:Food:Coffee4.50
2026-07-08KŌKAKO CAFEAssets:Bank:Everyday4.50
2026-07-07MERIDIANExpenses:Utilities:Power220.00
2026-07-07MERIDIANAssets:Bank:Everyday220.00
2026-07-05ACME PAYROLLAssets:Bank:Everyday2,847.00
2026-07-05ACME PAYROLLIncome:Salary2,847.00
2026-07-03COUNTDOWNExpenses:Food:Groceries86.20
2026-07-03COUNTDOWNAssets:Bank:Everyday86.20
BALANCEDdebits = credits · 3,157.70 = 3,157.70
02Command
The CFO view of you.
Net worth, runway, cashflow — live from your ledger, not a spreadsheet you abandoned in March.
ENTITY CONTROL
Net worth$142,380.00▲ 34.1% · 12 mo
Runway18 moat current overhead
Net worth trend$139.4k
Liquidity$33.9kcash + headroom
Cashflowincomeexpenses
Balance sheet
- Investments · KiwiSaver$80.0k
- Property · Garage$70.0k
- Loan · Car$42.0k
- BNZ · Savings$20.0k
- Sharesies · Emergencies$10.5k
03The Pipeline
Four steps from bank to board.
$connect akahuread-only, 90 seconds
→rules engine routing214 transactions posted
→ledger balancedassets = liabilities + equity
●dashboard livenet worth ticking
- 01
Connect
Link your NZ bank through Akahu in about ninety seconds. Read-only — no payment access, ever.
- 02
Route
The rules engine classifies each transaction. Anything it isn't sure about is held, not guessed.
- 03
Report
A balanced ledger becomes the CFO view: net worth, runway, cashflow, and the one thing to do next.
- Read-only
- Akahu open-finance access, no payment scopes. YouInc can see your transactions; it can never move your money.
- Encrypted
- Bank tokens are sealed in Supabase Vault and read server-side only. They are never sent to the browser.
- Isolated
- Row-level security walls every tenant at the database. Your ledger is unreachable from anyone else's session.
05Concierge
Your own engineering department.
When the view you want doesn't exist yet, I build it — on your live ledger, by the person who built the product. The work below is illustrative of the kind of commissions I take.
- COMMISSION 01
Mortgage payoff, on target?
- Built
- A payoff-curve widget against a chosen date
- Shipped
- Live on the client's board in 6 days
- COMMISSION 02
One number for three side projects
- Built
- Per-project P&L, posted as journal tags
- Shipped
- Shipped as a pinned control-brief tile
- COMMISSION 03
Tell me before I overspend
- Built
- A weekly anomaly agent reading the ledger
- Shipped
- Monday brief, plain English, no chatbot
Book a callIllustrative of the work — scoped one-off builds from NZD $1,500.
06Pricing
Four ways to keep the books.
Full comparison →Self-serve
NZD $15/mo
- 14-day free trial — no card up front
- Everything in Free
- Live bank sync via Akahu
- Customize widget order and layout
- Email support
Free
$0/mo
- Start in two minutes — no card, no commitment
- Manual accounts (no live bank sync)
- Full widget gallery on your real data
- Export your full ledger anytime — plain-text journals, no lock-in
QFrequently asked
Questions
Q.01Is my bank data safe?
Connections are read-only and made through Akahu, New Zealand's regulated open-banking provider. YouInc never sees or stores your bank login, you choose which accounts are shared, and you can revoke access anytime.
Q.02Where is my data stored?
Your ledger lives in an isolated per-account store — nothing is pooled between users, sold, or used for advertising. You can export the complete ledger anytime as plain-text accounting journals, so your history stays readable without YouInc.
Q.03What is Akahu?
Akahu is New Zealand's open-finance hub — it's the secure bridge that lets apps read your transactions with your consent, without handing over passwords.
Q.04Can I try it before connecting my bank?
Yes. The live demo uses sample data but the same dashboard shell, widget system, and layout controls as a connected account.
Q.05Is this only for New Zealand accounts?
Live bank sync currently depends on Akahu, so YouInc is built around New Zealand-connected accounts. Anything Akahu cannot see can still be added manually or through a custom integration.
Q.06What if my account isn't with a bank Akahu supports?
You can add it as a manual account and keep its balance current by hand — it shows up alongside your live-synced accounts throughout the dashboard.
Q.07How is this different from PocketSmith or a budgeting app?
Budgeting apps help you plan envelopes and track habits. YouInc keeps a double-entry ledger of what you own, owe, earn, and spend, then reports on it like a CFO: net worth, runway, burn, cashflow, and the exceptions worth your attention.
Q.08Can I get a widget that doesn't exist yet?
Yes — that's Concierge. Book a call and tell me what you need: a custom widget, an integration, or an AI agent built around your ledger.
Q.09What happens if I cancel?
You keep your data. Export the full double-entry journal as plain text before you go — it works with open tools like hledger, so nothing about your history is locked in.