Trajectory dashboard
The headline view combines liquidity, obligation trajectory, savings rate, and upcoming variance signals.
- ▒ liquidity
- ▒ trajectory
- ▒ savings rate
// financial operating system
Personal
Quanta Personal
Operate the financial life you actually have.
Quanta Personal is the cockpit for banking, credit, income, expenses, debt, and retirement under one ledger, with monthly close discipline and a real command-line surface.
price
$39 / month
14-day free trial. No credit card required.
// who it is for
Built for people whose finances no longer fit a budget app.
Several active obligations across more than one institution
Multiple income streams: W-2, bonus, 1099, stipends, or draws
Mortgage, rental, education, or credit obligations alongside daily cash flow
401(k), IRA, brokerage, and HSA all needing optimization
Monthly variance analysis currently living in a spreadsheet
Mint, YNAB, or Monarch no longer model the situation
// core modules
The operating layer for household complexity.
Income engineering
Model each income stream as a discrete object with frequency, adjustment dates, and annualized totals.
- ▒ W-2 base
- ▒ bonus tiers
- ▒ stipends and draws
Expense management
Fixed and variable obligations roll into projections without letting one-off items pollute the baseline.
- ▒ 19 categories
- ▒ frequency modeling
- ▒ variance review
Cascading debt optimization
Budget-aware payoff plans account for freed cash flow, liquidity floors, break-even months, and interest saved.
- ▒ avalanche
- ▒ custom order
- ▒ liquidity floor
Retirement engine
Pre-tax, Roth, after-tax, IRA, match, and profit-sharing buckets project with IRS limits and phaseout rules.
- ▒ 401(k)
- ▒ Roth
- ▒ real-dollar projection
Monthly close workflow
Variance review, owner queues, immutable snapshots, tax accrual, and roll-forward discipline for personal finance.
- ▒ review
- ▒ lock
- ▒ roll forward
30 min
Target time to first operating snapshot after Plaid, obligations, and income streams are configured.
1 close
Monthly close discipline turns the app from read-only tracking into an operating cadence.
1 ledger
Banking, debt, income, expenses, retirement, and close workflow under one source of truth.
// what is not included
- Tax workspace beyond basic accrual belongs to Quanta Tax.
- Trading journal, brokerage analytics, and fee schedules belong to Quanta Trader.
- Multi-entity business books and household shared accounts remain roadmap scope.
- Quanta Personal does not move money or execute payments automatically.
// how to start
- 01Create a Quanta account.
- 02Connect Plaid for banking, credit, brokerage, and lender coverage.
- 03Add obligations Plaid cannot see.
- 04Configure income streams.
- 05Review your first operating snapshot.
// pricing
$39 / month
- - Annual billing is $390/year, equal to two months free.
- - Founding member rate locks for 24 months.
- - Export your data at any time.
- - Account deletion purges data within 30 days.