WealthIQ measures long-term financial strength across 4 pillars: Foundation, Optimization, Stability, Momentum. Confidence improves as you log more data.
2026
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Soar
Personal Finance OS
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Income
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Expenses
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Net
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Add Category
This Month
All Months
Log Expense
Customize View
Choose which accounts count toward this view. Changes preview instantly.
Add account
What type of account is this?
💵
Cash
Checking, savings
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Investment
Retirement, brokerage
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Real estate
Home, rental
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Liability
Loans, credit cards
Account type
Account name
Owner
Person 1
Person 2
Joint
Current balance
Track contributions
Shows progress toward annual limit
Contributed so far this year
Annual limit
How to Import a CSV
What is a CSV? A CSV is a simple spreadsheet file that lists your transactions — date, amount, merchant, category. Most banks and finance apps can export one.
Where do I get it? Log into your bank or app and look for "Export transactions" or "Download activity." Copilot, Origin, Monarch, and most major banks all support this.
What months can I import? You can import one or more months at once. Soar will only replace transactions for the months found in the file — older data stays untouched.
Income matching tip Soar matches your paycheck deposits by looking at the merchant name in the CSV. If your income rows aren't matching correctly, check that your paycheck source name (set in Personal > Settings) matches how your bank labels the deposit.
Set Up Home Strategy
You added a home. Enter your mortgage details to unlock equity tracking and the Home Strategy section.
Mortgage Balance (optional)
Interest Rate % (optional)
✦
Soar AI
Hey! I know your full financial picture. Ask me anything — "how are we doing this month?", "what was our savings rate in January?", "where should we cut spending?"
Soar
Your household financial command center.
Takes about 5 minutes to set up.
Already have a household ID? Join →
Join a household
Enter the household ID from whoever set up Soar.
Household ID
Household not found — double-check the ID.
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Who's in this household?
First names only — used to label income and accounts.
Person 1 (required)
Person 2 (optional)
Your income
How you typically get paid.
Pay frequency
Biweekly
Weekly
Monthly
Irregular
Typical take-home per paycheck (after tax)
$
Paycheck shows up as (optional — helps import CSVs)
Has commission or bonuses
Adds a separate irregular income row
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Partner income
How your partner typically gets paid.
Pay frequency
Biweekly
Weekly
Monthly
Irregular
Typical take-home per paycheck (after tax)
$
Paycheck shows up as (optional)
Has commission or bonuses
Adds a separate irregular income row
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Fixed expenses
Bills that are the same every month. Enter monthly amounts.
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Monthly budgets
How much do you want to spend on each category?
Leave at $0 if you don't want to track that category.
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Your assets
What do you own? Approximate values are fine.
I own a home
Unlocks property value + mortgage fields
Estimated home value
$
Vehicle value (0 if none / leased)
$
HYSA / Savings balance
$
Investment accounts
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What do you owe?
Outstanding balances on loans and debt.
Mortgage balance
$
Interest rate
%
Student loans
$
Auto loans
$
Credit card balances
$
Other debt
$
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Your goals
These drive your scores, projections, and strategy panel.
Emergency fund target
Typically 3–6 months of expenses. A good starting point is $10,000–$25,000.
$
I've already hit my emergency fund goal
Annual Roth IRA target per person
2025 limit is $7,000/person. Enter 0 if not contributing.
$
Home / Property Strategy
Plans to sell or upgrade?
Staying long-term
Upgrade in future
Plan to sell
Target upgrade price
$
Timeline (years)
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Create a PIN
Locks the app on shared devices. 4 digits.
You can change this later in settings.
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✓
You're all set!
Your household is ready. Let's go.
Your Household ID
Share this with your partner so they can sync. Find it anytime in Settings.
