Tesserae

Know your numbers. Ten minutes a month. Tesserae is a private, manual-first money app: net worth, budget, and a retirement plan deep enough to answer when you could stop working. No bank logins required, no ads, nothing sold or shared. Linked accounts make you a spectator — transactions arrive, charts move, and you still couldn't say where you stand. Tesserae does every calculation; you type in your own numbers, about ten minutes a month. That small effort is what makes them stick. TRACK • Net worth — every account, growing over time, with automatic monthly snapshots and milestone badges • Budget — simple spend-tracking or full "every dollar a job" envelopes • Income — one paycheck or two partners', irregular and one-time income included • Forecast — a daily cash-flow calendar, so you see a tight week before it happens PLAN • Retirement & FIRE — Social Security, pensions, withdrawal taxes, RMDs, Roth conversions, Monte Carlo odds. As simple or as deep as you want, and compare two plans side by side • Goals, debt payoff (avalanche or snowball), College/529, and equity (RSUs, options, ESPP) • What if… — play out a raise, a baby, a home, a job loss, and watch it ripple through everything UNDERSTAND • Health — one financial-health score built from what you already track • Taxes — your bracket and the contribution room you haven't used • Learn — plain-English money concepts, with a guided path • Money date — a warm monthly check-in for couples or solo • Summary report — a one-page PDF of your finances • 14 calculators — compound interest, mortgage, refi, rent vs. buy, Roth vs. Traditional, and more PRIVATE BY DESIGN You decide what to enter. Nothing is sold or shared; your data syncs securely to your private account and is yours alone. Add an app lock with biometric unlock. START ANYWHERE Use one module or all of them — each works alone and connects when you want more. Guided setup and in-app help walk you through it. SUBSCRIPTION Tesserae Premium unlocks the full app. 7-day free trial, then $2.99/month or $29.99/year. Cancel anytime in your Google Play settings. Terms of Use (EULA): https://www.tesseraefinance.com/terms.html Privacy Policy: https://www.tesseraefinance.com/privacy.html Tesserae provides educational tools and estimates, not personalized financial, tax, or investment advice.