The Essentialist Tools
personal finance dashboard, net worth tracker
One private workspace for money, habits, subscriptions, goals and notes. Net worth across twelve chains with live prices, gross-to-net income math, AI subscription overlap detection. Free calculators, no signup. 14-day trial, no card.
Features
The Essentialist is a private dashboard for people who earn, save and invest in more than one currency.
Investment holdings sync across twelve EVM chains with live prices. Income entries carry gross-to-net tax math instead of guesswork. Subscriptions are checked for overlap by AI, debts can be simulated before you commit, and habits, goals, calendar, encrypted notes and a personal CRM sit in the same workspace.
Encrypted at rest, never sold, never used to train outside models. Installs on any device. Pay by card or stablecoin. 14-day trial, no card.
Use Cases
1. Built for multi-currency earners from the start, not retrofitted with a currency setting.
2. On-chain and off-chain in one net worth figure, across twelve EVM chains with live prices.
3. No bank aggregator and no card linking, so it works identically in any country.
4. Encrypted at rest, never sold, never used to train outside models.
Comments
Hey everyone 👋 I built The Essentialist because I kept losing to a boring problem: I earn in one currency, spend in another, and hold part of my savings on-chain. Every personal finance app I tried assumed I was American with one bank and one currency. I ended up back in a spreadsheet every single time. So this is that spreadsheet, rebuilt properly. Net worth across twelve chains with live prices. Income logged with gross-to-net tax math instead of guesswork. Subscriptions checked for overlap. Debt payoff you can simulate before committing to it. Habits, goals, notes and a personal CRM in the same workspace, because splitting your life across six apps is its own kind of tax. Data is encrypted at rest, never sold, and never used to train outside models. It installs as an app on iOS, Android, macOS and Windows, and you can pay by card or stablecoin. If you just want to poke around first, the calculators — subscription audit, debt payoff, FIRE, emergency fund — are open with no signup. The trial is 14 days and doesn't ask for a card. What I'd most like to hear: which module you'd actually open daily, and which one you'd delete. I'm around all day.
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Comments
Hey everyone 👋 I built The Essentialist because I kept losing to a boring problem: I earn in one currency, spend in another, and hold part of my savings on-chain. Every personal finance app I tried assumed I was American with one bank and one currency. I ended up back in a spreadsheet every single time. So this is that spreadsheet, rebuilt properly. Net worth across twelve chains with live prices. Income logged with gross-to-net tax math instead of guesswork. Subscriptions checked for overlap. Debt payoff you can simulate before committing to it. Habits, goals, notes and a personal CRM in the same workspace, because splitting your life across six apps is its own kind of tax. Data is encrypted at rest, never sold, and never used to train outside models. It installs as an app on iOS, Android, macOS and Windows, and you can pay by card or stablecoin. If you just want to poke around first, the calculators — subscription audit, debt payoff, FIRE, emergency fund — are open with no signup. The trial is 14 days and doesn't ask for a card. What I'd most like to hear: which module you'd actually open daily, and which one you'd delete. I'm around all day.
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