Pay the mortgage down, or invest the difference?
Pulse Neuron does the arithmetic — and gives you the one number that decides it, not a projection built on a return nobody can promise. Every account, card and debt on one axis: the rate it earns or costs. Private, on your Windows desktop, and the entire family-finance side is free.
45+
Screens
across 4 simple sections
5,100+
Automated tests
guarding the money math
25+
Markets
real-time & EOD
46
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 — and the entire household side is free for all of them. Find yourself below.
Start with the money you already have
You never need to own a single share. Import a bank statement — or keep the ledger by hand — and see exactly where each month goes, what the bills will do next, and a debt payoff date moving closer. Every bit of it free.
- The entire family-finance side is free, on every plan
- Bank imports, budgets, bills, debts and net worth — unlimited family members
- 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 v1.5.3
Fits your screen. Grows with your figures.
Holdings tables that fit
Columns size themselves to your actual figures — contracting so everything fits a laptop, growing the instant a larger value appears, and never cutting a number short.
Holdings Focus
One click and the navigation and the summary column step aside — your holdings table gets the whole window. Click again and everything returns.
Small laptops, whole dashboard
Below a compact width the summary stacks beneath your holdings instead of disappearing — nothing you rely on is ever missing from the page.
Updates you can watch
A new version downloads in front of you, with progress shown, and restarts into the new version when you say so.
v1.5.3 also accounts for every currency-conversion fee in your available cash, and every screen in the app was swept end-to-end so nothing is cut off at laptop sizes. Plus everything from before: the pay-down-or-invest break-even, every account and debt ranked by the rate it earns or costs, credit cards carrying their real cost, Runway on Today, Week & Month in Review, the whole family-finance side free with unlimited members, and a full demo portfolio you can explore before entering a single figure of your own.
Decide
FreeTwo good options. One honest number.
Everyone has this argument with themselves. Paying a debt down returns its interest rate — with certainty, and untaxed. So rather than a projection built on a return nobody can promise, Pulse Neuron gives you the one number that decides it: what an investment would have to earn, after tax, to be worth more. Then it is your call, on your numbers.
- A break-even rate, never a recommendation — the arithmetic is shown, not hidden
- After-tax, and aware of where you live: AU, US, UK, CA + Europe
- It flags the better question — a card costing more than the debt you asked about, or a thin safety net
- Free, on every plan, for every debt you track
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 — built from your own figures, every input labelled measured or your estimate
- 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 and Month in Review: what you did, what it cost, and where it went
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
Week & Month in Review
FreeA dashboard knows now. This closes the period.
Every other screen tells you where you stand. One page tells you what you did — the week you just had and the month you just closed, drawn entirely from your own records. Every trade named, every category ranked, and anything your records cannot support left out rather than estimated.
- Every trade named: who placed it, what they bought, how many shares, what it cost
- The month, ranked: what it cost, where it went, what came in, what you owe
- Both dates behind every figure, so you can check it yourself
- It tells you when a statement is missing — and offers to import it
Family Finance
FreeImport 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. All of it is free, on every plan: household finance is computed on your device and costs nothing to serve.
- Every household page free, for unlimited family members
- Bank imports that de-duplicate and learn your patterns
- 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
Your data stays on your device. A 4–6 digit PIN gates the app, no cloud account, no tracking, nothing uploaded.
Automatic safe backups
Quiet automatic backups that survive an uninstall — plus a one-file export when you move to a new PC.
5,100+ 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.
Built differently
One computer. Your whole household. No accounts to break.
Most money apps ask you to hand over your bank logins and trust a server. This one reads the statement your bank already gives you, keeps the answer on your machine, and charges nothing for the household side.
The whole family, one system
Salaries, bills, debts, assets and every member’s investments are the same ledger — so net worth is a number the app can actually derive, not four apps you add up yourself. Unlimited members, free on every plan.
No logins, nothing to break
Import the CSV, OFX or QIF your bank already offers. There is no connection to expire, no re-authentication email, and no third party holding a key to your accounts — because there is no connection at all.
Correct where it is hard
Franking credits, several currencies at once, and figures labelled with the currency they were actually transacted in. When a rate is missing the app says so rather than inventing one.
A real Windows app
Installed from the Microsoft Store, certified and signed, opening in about a second and working with no connection at all. Your data stays on your device.
And the part we do not do
There is no phone app and no sync. Pulse Neuron runs on one computer — yours — and that is the design rather than a gap waiting to be filled: it is what lets the app work with no account, no server holding your ledger, and nothing to keep paying for on the household side. If you need your budget in your pocket at the supermarket, this is honestly not the app for that.
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
Free runs the whole household; Pro is the investing side.
The Lab
Six ways of looking at how you have actually invested.
Learn
New to this? A calm, practical place to begin.
Find out how long your money would actually last
It takes five minutes, and it's free — or open the demo portfolio and explore the whole app before entering a figure of your own. Your data stays on your Windows desktop.
Free runs the whole household side; Pro is the investing side. Subscription managed through the Microsoft Store.
Market coverage
Real-time FX and crypto, real-time US equities, and EOD pricing across 25+ international exchanges. ASX data is not currently available. 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.