Personal ERP · Live bank sync via Akahu

Run yourself like a company.

YouInc turns your accounts into a live double-entry ledger, then gives you the CFO view: net worth, cashflow, runway, and the next thing to look at. Use the standard widgets, or have me build the view your finances need.

Start free →Try the free demo →
Net worth
$142.4k
Runway
18.0m
Cashflow
+$3.7k
Synced live via Akahu
  • BNZ
  • ANZ
  • ASB
  • Sharesies
  • Kiwibank
  • Westpac
  • Wise
  • Heartland
  • SBS
  • TSB
  • Simplicity
  • + more

How it works

  1. Illustration of bank accounts linking into one place through Akahu
    01

    Connect your accounts

    Securely link your bank accounts through Akahu, New Zealand's open-banking layer. Access is read-only, and you can revoke it anytime.

  2. Illustration of transactions syncing and being categorized into a ledger
    02

    Sync into a ledger

    Transactions flow in, get categorized, and post into a double-entry ledger that stays current automatically.

  3. Illustration of a dashboard showing net worth, runway and cashflow
    03

    Read your dashboard

    Net worth, runway, cashflow, and more — arranged around the decisions you actually make.

The product

One live ledger, rendered as your executive dashboard.

Explore the full live demo →

Built around how you think

Missing a widget? A custom integration? I build it for you.

Most tools hand you a template and ask you to adapt. YouInc goes the other way: tell me how you think about your money, and I build the widget, report, or integration to match.

For Concierge clients, that can include AI agents, anomaly checks, custom integrations, or a one-off view that answers the question you keep coming back to.

Book a call →

Concierge examples · built to order

What I build for Concierge clients.

Examples of the shape bespoke work can take: a weekly brief, an anomaly flag, or a plain-English answer from your own ledger. They are scoped around the decision you want to make, not sold as a generic add-on.

From YouInc · Monday 6:00 AMAI agent

Your week: runway holding at 18 months

Net worth closed the week at $142,380, up 4.2% on the month — assets rising faster than your one liability is falling.

Cashflow ran +$3,700 for the period. At the current burn you have 18 months of runway before liquidity gets tight.

One thing to watch: subscriptions crept up $6. Details in the flag below.

Sent every Monday, 6:00 AM · reply to ask a follow-up
Flagged by AI

Spotify Family jumped 35%

+$6.00 / mo — that's $72 a year, quietly.

YouCould I afford 3 months off next year?

YouIncYes — with 18 months of runway and +$3,700 monthly surplus, a three-month gap leaves roughly 15 months of cover. Bank the surplus from now and you barely feel it.

Bring the question you keep asking yourself. Tell me yours →

Pricing

Three ways to run on YouInc.

Recommended

Self-serve

NZD $15/mo

  • Live bank sync via Akahu
  • All standard widgets
Start free →

Concierge

From NZD $149/mo

  • Everything in Self-serve
  • Bespoke widgets, integrations, and AI agents
Book a call

Compare all plans, feature by feature →

Start running yourself like a company.

Start free →Try the free demo →

Questions

Is 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.
Where 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.
What 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.
Can 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.
Is 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.
What 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.
How 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.
Can 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.
What 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.