Your private financial command centre
See how long your money would last, where every dollar actually goes, and what your investments are really worth after tax — in one calm, private app on your Windows desktop. Nothing leaves your device.
45+
Screens
across 4 simple sections
3,700+
Automated tests
guarding the money math
28+
Markets
real-time & EOD
12
Currencies
portfolio and household
Where to start
You don't need a portfolio to start here
Three very different people get real value out of the same app. Find yourself below.
Start with the money you already have
You never need to own a single share. Keep the ledger, see exactly where each month goes, forecast the bills before they land, and watch a debt payoff date move closer.
- Entering and reviewing your own spending is free
- Bills, budgets, debts, subscriptions and net worth
- Runway: how long your money would last if income stopped
Practise on a portfolio that isn't yours
Open the built-in demo portfolio and explore the entire app — every chart, every analysis — with realistic data. Nothing you do there touches your own records.
- A complete demo household, unlocked and safe to break
- A step-by-step guide to your very first position
- Stress tests and crisis replays, before any real money
Do it properly, and prove it
Money-weighted returns instead of a flattering percentage, reconciliation against your real broker balance, lot-level tax, and six honest ways to check how well you have actually invested.
- XIRR and Modified Dietz, reconciled to your broker
- Lot-level CGT across five tax jurisdictions
- Accountant-ready PDF and Excel packs
New in v1.4.0
Simpler to use, and more honest about what it knows
Runway, right on your start page
The app now opens on Today, led by the one number that matters most: how long your money would last if the income stopped. Free, and built from your own figures rather than an assumption.
Bank statements that read themselves
Drag in a CSV, OFX or QIF and it is categorised, matched to the right bill, and de-duplicated against what you already have — and it refuses to guess rather than filing something wrongly.
Everything, two clicks away
The whole app reorganised into four plain sections — Today, Invest, Household and Manage — so you stop hunting for the screen you want and simply go to it.
Reports an accountant can use
Multi-section PDF and Excel packs, plus a one-click tax pack for any financial year — each figure labelled with the currency it is actually in, and never restated at a rate it was not transacted at.
Plus everything from before — the Money Story, share-split protection, reconciliation against your real broker balance, and a full demo portfolio you can explore before entering a single figure of your own.
Today
FreeKnow how long your money lasts
Runway answers the question everyone actually asks: if the income stopped tomorrow, how long would we be okay? It is the one number that needs both halves of your finances at once — what you really spend, and what your investments are really worth after tax. Then Morning Pulse opens each day with a calm, plain-English briefing.
- Runway & Freedom Date — measured from your own spending, never a guess
- Morning Pulse: a daily health score with the few things that matter today
- Action Items: bills, rebalancing and tax actions in one prioritised list
- Week in Review, and On This Day facts drawn from your own history
Your portfolio, proven
Real returns, honestly measured
Most trackers show you a number. Pulse Neuron shows you the number and how it got there — money-weighted returns beside simple ones, a reconciliation against your real broker balance, and an honest “unavailable” wherever the data cannot support an answer.
- Consolidated dashboard with P&L, allocation and 52-week context
- Money-weighted XIRR and Modified Dietz, not just a percentage
- Statement Check reconciles your tracked cash to your actual broker
- Glass Box shows exactly what left your device, and what never does
Family Finance
Import a statement, watch it organise itself
Drop in a CSV, OFX or QIF and Pulse Neuron reads it, categorises it, links it to the right bill or debt, and refuses to guess when it cannot tell. The Money Story then explains what your household earns, spends and keeps — and ranks what to do about it.
- Keep the ledger by hand for free — entry and the Review Queue cost nothing
- Bank imports that de-duplicate and learn your patterns (Pro)
- The Money Story: earn, spend, keep — with ranked opportunities
- Budgets, bill forecasts, debt payoff and net worth in one picture
Look ahead
Plan it, stress it, then prove it on paper
Model the future and pressure-test it before it happens: the odds of hitting a goal, what a crash would actually feel like, and what tax would cost. Then export the whole thing as a report an accountant can work from.
- Tax Centre and CGT estimates across AU, US, CA, UK + Europe (free)
- Goal probability, forecasts, What-If Sell and historical stress tests
- The Lab: six analyses of how you have actually invested
- Accountant-ready PDF and Excel packs, in the currency you choose
Trust, by design
Private by default. Honest by the numbers.
Built like software you keep for years: your data stays on your device, your history protects itself, and the money math is tested on every release.
Local-first privacy
Everything stays on your device. AES-256-encrypted profile, a 4–6 digit PIN, no cloud account, no tracking.
Automatic safe backups
Quiet automatic backups that survive an uninstall — plus a one-file export when you move to a new PC.
3,700+ automated tests
A growing automated suite guards the money math behind every screen, on every release.
Honest methodology
Returns measured with Modified Dietz and XIRR alongside simple returns — and estimates are always labelled as estimates.
Explore
Dive deeper at your own pace
Tour the platform, browse every screen, or compare plans.
Platform
Every screen, organised the way the app is.
Family Finance
The Money Story, budgets, bills and net worth.
Screenshots
Browse every screen, in polished light and dark.
Pricing
Full Free vs Pro comparison.
The Lab
Six ways of looking at how you have actually invested.
Learn
New to this? A calm, practical place to begin.
Ready to take control of your financial future?
Free to start, with a guided five-minute setup — or open the demo portfolio and explore the whole app before entering a figure of your own. Everything stays on your Windows desktop.
Free tier available. Pro subscription managed through the Microsoft Store.
Market coverage
Real-time FX and crypto, real-time US equities, and EOD pricing across 28+ international exchanges. Australia/ASX is not currently included. View full coverage →
Disclaimer: Pulse Neuron Portfolio Manager is a decision-support tool and does not provide financial, investment, taxation, or legal advice. Forecasts and simulations are hypothetical. Tax and CGT figures are estimates only — in every supported country — and are not tax advice. Consider independent professional advice where appropriate.