Your balance shows how much money you have. Not what it can do.

Some of the most consequential facts about your finances never appear on a statement. Start with one. What does time quietly do to money that sits still?

Find your blind spotTry the demo

What happens to money sitting in an account?

On your statement
$10,000
What it buys, in today’s dollars
$6,41935.8% less buying power
Chart comparing the statement balance with its buying power over time.

After 15 years at 3.0% inflation, your statement would still read $10,000, but it would buy roughly what $6,419 buys today.

Everything here runs in your browser. Nothing you enter is stored or sent.

How this is calculated, and what it leaves out

Buying power in today’s dollars = amount × ((1 + interest) ÷ (1 + inflation))years. The statement balance is amount × (1 + interest)years.

Both rates are held constant and compound once a year. Real inflation and interest rates change from year to year, and this ignores taxes on interest, fees, deposits and withdrawals. It’s an illustration of a mechanism, not a forecast or advice.

Your own inflation rate depends on what you spend money on, which is why it can differ from published figures like the Consumer Price Index.

The number stayed put. What it could do for you didn’t. Nothing on a statement would have told you.

That gap is one of several things that sit beneath an ordinary balance. Others include what you’ve committed to every month, how your accounts add up together, how your investments drift and how long a business’s cash lasts. Each becomes measurable once you can see your money in one place. Maxint helps you see it, understand it and act on it, on your own or with the people you trust.

Where are you right now?

Choose the closest fit. Everything below adapts to it, and you can switch at any time without losing what you’ve entered.

Where you are

Blind spots that often come with it

None of these come from a lack of discipline. The number that matters just isn’t on any screen people usually look at.

    Compare blind spots across all four contexts
    Blind spotStudentProfes­sionalCoupleFounder

    Often applies Can apply Rarely appliesOur editorial judgment from common patterns, not survey data.

    See it with example figures

    Each explorer starts with figures typical for your context. Change any number to make it yours, and watch what the statement doesn’t show.

    Questions
    More questions

    What your bank and advisor don’t have to tell you

    Most banks and advisors follow the rules. The rules just don’t require them to point out everything that would help you. Here are things many people assume, and how they actually work. The rules described are for the United States; other countries differ.

    “My bank pays me a fair rate on my savings.”

    Banks set their own rates, and they vary enormously. Many large banks pay close to nothing on checking and savings, while other insured banks pay many times more for the same kind of account. Nobody will call to tell you the difference.

    See what the gap costs or compare current savings rates

    “Deposit insurance means it doesn’t matter where my cash sits.”

    FDIC insurance protects up to $250,000 per depositor, per insured bank, for each ownership category, if a bank fails. It says nothing about the interest you earn. Two insured accounts can be equally safe and pay very different rates.

    “Every financial advisor has to act in my best interest.”

    Different professionals follow different standards. Registered investment advisers owe you a fiduciary duty. Brokers follow Regulation Best Interest, which applies when they make a recommendation. Insurance agents follow state rules that vary. Many people hold more than one of these roles, so it’s worth asking which one applies to the advice you’re getting.

    “The advice is free, so I’m not paying for it.”

    When advice costs nothing upfront, it’s usually paid through commissions on the products you buy, which come out of your money one way or another. That isn’t automatically bad, but it means a recommendation can pay the advisor more for one product than another. Ask how they’re paid, in total, in dollars.

    “A 1% fee is too small to matter.”

    It’s 1% of everything you’ve invested, every year, whether returns are good or bad. Because what’s taken can no longer grow, the cost compounds. Over decades it can take a large share of what your portfolio would otherwise be worth.

    Run your own numbers

    “If I pay a fee, it shows up on my statement.”

    Some do. Others don’t. A fund’s expense ratio is taken from the fund’s returns before you ever see them, so it never appears as a charge. You’ll find it in the fund’s documents, not on your statement.

    “Products sold to protect me are always the safe choice.”

    Some products, such as certain insurance policies with an investment component, are sold by emphasizing what could go wrong. They can carry high costs, commissions and surrender charges that make leaving expensive. Protection can be genuinely valuable. Judge the protection and the investment parts separately, and ask what it costs to get out.

    “Overdraft protection protects me.”

    Often it means the bank covers a payment you couldn’t afford and charges you a fee for doing it. You can usually choose whether to have it, and seeing upcoming bills before they hit is a cheaper kind of protection.

    See what’s due each month

    Three questions worth asking any advisor

    1. Are you acting as a fiduciary for everything you recommend to me, all the time?
    2. How are you paid, in total and in dollars, including commissions?
    3. What would it cost me to leave, or to sell what you recommend?

    What Maxint does out of the box, and what you can make it do

    These are the parts of Maxint that work from day one, named as they appear in the app. Open any for details. They’re the floor, not the ceiling, because Finsight lets you ask any question, build any view and hand tasks to agents.

    Your money

    See the whole pictureUnified net worth

    Net worth over time, asset allocation and debt-to-income ratio, across 15,000+ supported institutions plus crypto and property.

    You’d provide
    Read-only account connections; CSV for anything else
    Where to start
    Intelligence or Maxint OS for live connections
    Understand your money over timePersonal Inflation Rate and purchasing power

    Your inflation rate from your own spending, compared with CPI; the real buying power of your investments.

    You’d provide
    Transactions from connected or imported accounts
    Where to start
    Try the explorer, then the demo
    Find the patternsBudgeting, bills calendar, subscription tracker

    Categorized spending, recurring charges, upcoming bills, cash-flow forecasts.

    You’d provide
    Transactions
    Where to start
    Smart categorization from Intelligence
    Bring in the people who share your financesOrganizations and invitations

    Invite a spouse, child, accountant or employee into your personal or business workspace, with permissions you set.

    You’d provide
    An invitation and a choice of access
    Where to start
    Try the explorer
    Earn more on what you spendCard rewards insights

    Compares what your cards return with cards that would pay more for the way you actually spend, including cash-back cards and annual fees, so you can switch to a better way to pay. Public card rankings are in Explore.

    You’d provide
    Card transactions from connected or imported accounts
    Where to start
    Today’s top cards in Explore, or the payback example
    Compare financial productsExplore

    Regularly updated rankings of savings accounts, CDs, checking accounts, credit cards, and Treasury and money-market ETFs.

    You’d provide
    Nothing, it’s public
    Where to start
    Open Explore

    Intelligence and investing

    Ask, build or delegate anythingFinsight AI

    Ask any question about your finances and get the answer as a chart, table or plain explanation, by typing or speaking. Build any widget or view you want, not only the ones listed here. Create agents that carry out financial tasks for you. Use Maxint’s hosted models or connect your own provider.

    You’d provide
    Your Maxint data; optionally your own AI provider key
    Where to start
    Bring-your-own-key on Intelligence; included models on Maxint OS
    Put financial experts to workFinsight agents

    Create agents and assign them tasks as your own team of financial experts, such as a CFO, Treasurer, Analyst, Researcher or a specialist in any financial domain. Finsight suggests which expert fits what it surfaces, and each one works within the permissions you give it.

    You’d provide
    The task, and the access you’re comfortable granting
    Where to start
    See how agents work
    Understand your investmentsPortfolio Builder

    Target allocation, drift, time-weighted returns, Sharpe ratio, beta, diversification score. Robo-advising, including tax-loss harvesting, is pending registration and regulatory approval.

    You’d provide
    Brokerage connections and a target mix
    Where to start
    Every plan: manual on Essential (free), automated on Intelligence and Maxint OS. Compare plans

    Your business

    Get paidCommerce

    Create customers, issue and send invoices, and collect one-off or recurring payments, including direct debit through GoCardless.

    You’d provide
    Your customers and what you bill them
    Where to start
    Essential (free) includes 3 invoices a month; 30 on Intelligence, 100 on Maxint OS
    Keep the books without doing the bookkeepingAccounting

    Fully automated double-entry accounting with reconciliation, bank rules, tax jurisdictions and profit and loss. Depreciation schedules built on the fly with any method, and inventory tracked on FIFO or LIFO (where your accounting standards allow it), with costing and pricing calculated automatically.

    You’d provide
    Business bank feeds, your assets and your inventory
    Where to start
    Every plan: manual on Essential (free), automated on Intelligence and Maxint OS. Compare plans
    Know where the business stands, right nowFinancial reports

    Generated in real time from your books. They include the core statements (profit and loss, balance sheet and cash flow), operational reports on taxes, sales, customers and vendors, and detailed reports such as account balances, trial balance, general ledger, depreciation and amortization, and accruals and deferrals.

    You’d provide
    Nothing extra. Reports come straight from your accounting
    Where to start
    Every plan: manual on Essential (free), automated on Intelligence and Maxint OS. Compare plans
    Spend less time on paperworkDocument capture (OCR) and MCP

    Receipts and statements read into structured records; Maxint’s data available to other AI tools you authorize through the Model Context Protocol.

    You’d provide
    Documents; your consent for each connected tool
    Where to start
    10 or 100 scans a month on paid plans

    Maxint runs on iPhone, Android, Mac, Windows, Linux and the web. Download options What’s new

    What you didn’t know, Finsight surfaces and helps you get done

    Finsight is an agentic workspace. It surfaces what needs attention in your finances, including things you wouldn’t have known to look for, suggests an agent suited to the job, and that agent handles the work within the limits you set.

    • Ask anything

      “Why was last quarter’s spending higher than the one before?” “Which customers usually pay late?” Answers come from your own data, with the chart or table that explains them.

    • Build any view

      “Make me a widget that shows weekly runway.” “Show my spending by merchant as a heatmap.” If you can describe it, Finsight can build it into your workspace.

    • Hand off any task

      Create agents and assign them tasks as financial experts, such as a CFO, Treasurer, Analyst, Researcher or a specialist in any financial domain. Each works within the permissions you give it.

    See an example

    A startup with a cash question

    Revenue is growing, but so are costs, and nobody is watching the runway week to week.

    1. Finsight noticesRunway has dropped under a year, and cash isn’t being actively managed.
    2. It suggests a TreasurerYou create the agent and decide what it may do.
    3. The Treasurer runs the tasksTracking runway, upcoming bills and invoices still to collect, and flagging shortfalls early.

    A pile of uncategorized transactions

    Tax season is coming and dozens of charges have no category or receipt attached.

    1. Finsight noticesUncategorized transactions that could lead to missed deductions or costly filing errors.
    2. It suggests an AccountantYou create the agent and give it access to the relevant records.
    3. The Accountant sorts themReading receipts with OCR, categorizing what’s clear and leaving anything ambiguous for you.

    Agents work from your data and the permissions you give them; they don’t provide investment advice.

    What it costs, and how your data is handled

    Maxint is paid for by subscriptions, not by selling your data. You can cancel at any time from the app or your app store.

    Essential

    Free

    • Personal ledger
    • 3 invoices a month
    • All platforms

    Intelligence

    $12.99/mo

    • 1 live bank connection
    • Finsight with your own AI key
    • Smart categorization
    • 30 invoices, 10 scans a month

    Maxint OS

    $24.99/mo

    • 3 live bank connections
    • Finsight with 1M included AI tokens
    • GoCardless automation
    • 100 invoices, 100 scans a month

    Monthly prices as listed on maxint.com. Weekly and yearly billing are also offered. Full plan comparison

    • There’s no password for anyone to stealYou sign in with a passkey such as Face ID, Touch ID or Windows Hello, which can’t be phished or reused. That’s stronger than the password sign-in many banks still rely on, and your biometrics never leave your device.
    • Your bank login stays yoursAccounts connect read-only through Maxint Link, Stripe, Plaid or GoCardless. Your banking credentials are exchanged for a secure access token wherever your bank supports it, and Maxint can’t move money from connected accounts.
    • Your data is protected the way banks protect theirsIt’s stored on the same kind of cloud infrastructure banks use, encrypted with AES-256 at rest and TLS 1.3 in transit.
    • You decide who else sees anythingPeople you invite see only what you give them access to.
    • Your data doesn’t train AI modelsYour transactions, documents and Finsight conversations are never used to train public models.
    • You can check the controlsMaxint is SOC 2 Type II verified. You can check its current status at any time in the Maxint trust center.

    Security details Privacy policy Terms

    What you discovered today

    Each time you change an example on this page, what it showed you lands here, along with where to look in your own finances. It lives on this page only. Close the tab and it’s gone.

    Nothing yet. Move a slider at the top of the page, or pick a blind spot and explore it. Your findings will collect here.

    Go as far as you want today

    Keep exploring

    No account needed. Try another question, or read how Finsight approaches financial questions.

    Back to the questions
    Meet Finsight

    See it with sample data

    The demo shows the real app with example accounts, so you can look around before connecting anything.

    Try the demo

    Start with your own money

    Begin free on Essential and add accounts when you’re ready. No credit card required.

    Start free