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Your pay, your spending, your portfolio, your plans and your research. One private ledger that finally agrees with itself.

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Kainance Home: net worth across currencies and accounts, a freedom age of 51, and the first thing to do.

Why it all fits

One ledger underneath. So the number on Home is the number everywhere.

01 · Collect

Statements that file themselves.

Forward a PDF to your own Telegram bot, or let Gmail hand it over. Each one is read, checked against its own arithmetic, and held until you say yes.

Kainance bot in your Telegram
Citi_Statement_Sep2026.pdf PDF · 142 KB
Citi statement — Citi ···4821 Citi_Statement_Sep2026.pdf 15 Aug – 14 Sep 2026 · due 4 Oct 4 chargesS$318.20 Statement balanceS$318.20 ✓ Reconciled — the statement's own totals add up. Discard
✓ Imported 4 lines. 2026-09S$318.20 To check or correct a line, open Imports in the app.

Ask it things as well: /due /networth /spend /playbook /research

Your Gmail Read-only
Citi CardsFound Your August eStatement is ready PDF attached · Citi eStatement Aug 2026.pdf
A newsletterThis week in markets
A friendDinner on Friday?

✓ Added to Imports — waiting for your review.

It only picks up statements from senders you choose. They wait for your review; nothing is saved on its own.

…and it lands in Imports, ready to check

    02 · Spend

    Know what a month really costs you.

    Your typical month, the plan that runs on it, the categories and stores that carry it, and who owes you. Worked out from your own statements, not typed in.

      03 · Invest

      Every holding, in one honest book.

      Stocks, funds, crypto and metals together. What they have returned against the index you could have bought, the dividends on their way, and what you are really exposed to.

        04 · Plan

        Be ready for the big ones.

        Your freedom date. The month that will not fit. CPF and insurance, and what a home would really take.

          Thinking of buying a home?

          Set a price and a date. It works out the cash you need on completion, what you could fund today, and the stamp duty.

          What a home would take: the target price, the cash needed on completion, what could be funded now, and the stamp duty.

          05 · Decide

          A second opinion, with the working shown.

          Ask about any company. A team of AI analysts argues both sides, reads the market and the news, and hands you a decision with the full report behind it. Ask from Telegram and the PDF comes back to you.

            SHHHold

            Final decision

            HOLD. Wait for the 12 November results. A third guidance cut would move this to UNDERWEIGHT.

            Trader plan

            Keep existing shares. Add nothing. Revisit when the results are out.

            Research debate — verdict

            For: margins held through the last downturn and the dividend is covered.

            Against: two guidance cuts in 30 days, and a director sold shares.

            Verdict: the case to buy is not made yet.

            06 · Stay on top

            It does the noticing. You do the yes.

            A statement waiting in Gmail, a charge that looks wrong, a price that quietly rose, a figure that may be off. Everything that needs you lands in one short list, in the order you would do it.

              • Gmail2 statements foundWaiting for your review, not imported.
              • Suspicious · S$64.902 identical charges at Quickshop OnlineThis was me, or I didn't make this.
              • Review · S$13.90Cloud storage changed from S$9.90 to S$13.90Worth knowing whether you agreed to it.
              • Data checkA statement differs from its own lines by S$0.40One figure may be wrong, and it says which.

              One place. By invitation.

              Places open as they can be looked after. Leave your email and tell us what you would like to keep track of.