Every account, one clear view,
one path to independence.
Ember brings every account into one clear, honest view of where you truly stand. It's the foundation for what's coming: optimizing your whole path to financial independence, so your time is your own, for the work that matters to you.
Securely link accounts at 12,000+ banks and brokerages
One register for everything you own and owe.
Cash, credit cards, brokerages, and loans in a single, keyboard-first register, right down to mortgage amortization, RSU vesting, dividends, splits, and transfers.
- Inline-edit any cell, with no edit screens or modal maze
- Splits, tags, and transfers as first-class citizens
- Reconcile against a real statement, and those rows lock for good
- Drive the whole ledger from the keyboard: a command palette, typeahead pickers, and full undo
Investments with actual rigor.
A double-entry brokerage ledger that records every buy, sell, dividend, and reinvestment, with real cost basis and unrealized gain. Your net worth is built on reconciled balances, not scraped estimates.
- Real cost basis and unrealized gain on every position
- Every buy, sell, dividend, split, and reinvestment, recorded
- One honest net-worth line, every account included
Connected in minutes.
Securely link your banks and brokerages, and your accounts stay up to date automatically. One dedup pipeline means your history and live sync never double-count.
- Your bank credentials never touch Ember's servers
- Balances stay current across every connected account
- Imported bank records stay immutable; your edits live alongside
Why Ember
Built for knowing exactly where you stand, and where you're headed.
The principles Ember is built on.
One ledger for every account and every transaction
Cash, credit cards, brokerages, and loans in a single register, right down to mortgage amortization, RSU vesting, dividends, splits, and transfers. The ledger is where your plan begins, and it grows to hold everything you own.
Your ledger, open to your AI
Ember ships a read-only MCP server, so you can point Claude, or any MCP client, at your own finances and ask real questions about your money. Your data, your assistant, read-only by design.
The bank's word and yours, kept separate
Imported bank records are immutable; your interpretation (payee, category, splits) lives alongside them. Reconcile against a real statement and those rows lock. Your history can't quietly drift.
Investments with actual rigor
A double-entry brokerage ledger that records every buy, sell, dividend, and reinvestment, with real cost basis and unrealized gain. Net worth built on reconciled balances, not scraped estimates.
Your data stays yours
Your bank credentials never touch Ember's servers. Your financial data is used for one thing only: showing you your own finances. It's never used for advertising or anything else.
Automation where it earns its keep
Recurring transactions with real calendar rules, one-click split rules for paycheck-style breakdowns, pre-filled Venmo charges, and a browser extension that writes what you bought on Amazon into each memo.
Serious about security and privacy
What's inside
Everything a serious ledger needs, nothing that gets between you and your numbers.
Six short guides walk through the product, end to end.
Getting started
From invite link to a fully connected ledger in about ten minutes.
Learn more → 02Bank sync & import
Secure account linking and CSV import, with one dedup pipeline and zero double-counting.
Learn more → 03The ledger
Keyboard-first inline editing, real search, splits, tags, and locked-once-reconciled history.
Learn more → 04Investments & net worth
Double-entry brokerage ledger, real cost basis, per-position gains, and an honest net-worth line.
Learn more → 05Automation & extensions
Recurring transactions, split rules, Venmo shortcuts, and a safe browser-extension bridge.
Learn more → 06Security & privacy
Invite-only while in beta, your credentials never touch the app, and your data is used only to show you your own finances.
Learn more →Ready to see your money clearly?
Ember is in private beta and invite-only right now. If you have an invite link, open it to register in about a minute. If you don't have one yet, read the docs to see what you're getting.