See all your investments in one place, across every account you own. Understand what you actually hold and where the risk really sits. Find out when work could become optional for you, based on your real numbers, not a generic estimate. No logins. No linked accounts. No internet required.
Open the app. Load sample data. See the full experience in two minutes, no import needed.
Download your positions CSV. Fidelity and Robinhood work out of the box. Any other brokerage works through a simple column mapper.
Drag the file in, confirm, and your full financial picture is there. Spend an hour on all your accounts and you are set.
Most people have no idea where they stand. Yoquity runs thousands of simulated market paths and gives you a date based on your real numbers, not a generic calculator.
Most tools show your target-date fund as a single opaque slice. Yoquity looks inside Vanguard, Fidelity, and other funds and splits them into their real underlying holdings.
Set a target allocation once. Every time you check, Yoquity tells you exactly which categories are off and by how many dollars. No spreadsheet math needed.
You might hold VTI in three different accounts. The consolidated view merges every account into one row per ticker so you can see total exposure, cost basis, and unrealized gain across the whole household.
You and your partner may share accounts but have different retirement timelines. Yoquity lets you view the full household picture or zoom into each person's individual trajectory without changing any data.
The spotlights above are highlights. Here is everything else.
An optional local language model answers questions using your real data. Nothing hits a server. Choose from three model tiers depending on your hardware.
A single SQLite file on your computer. No cloud to delete if you stop using the app.
Download your database from Settings. Open it with any SQLite viewer. No lock-in.
Download a backup, restore it on your new machine. One step, all your history intact.
No email, no account, no password. Download and open. That is all.
Know your number, your trajectory, and what contributions or spending changes make the most difference.
Not comfortable uploading your net worth to a server someone else controls. Yoquity was built for this.
No single brokerage shows you the whole picture. Yoquity merges them all in one view.
Replace the spreadsheet. Get charts, projections, and rebalancing math without a formula in sight.
You have a 401k, maybe an IRA, maybe some index funds. You want to know what it all adds up to and where the risk really sits.
See the household total and each person's individual trajectory side by side, without changing any data.
Load the sample portfolio on first launch and the full app is right there, complete household, real numbers, nothing to import. Download and try it free for 30 days.
macOS: first launch shows a Gatekeeper warning. Go to System Settings, Privacy and Security, click Open Anyway. One-time step.
No subscription. No recurring charge.
Your data is always yours. Even after trial expiry, your SQLite database is yours to open with any standard tool. Legal disclaimer
A question about the app, a bug report, or just want to say hi.