Finance
Finance gives you one private view of your money: accounts and holdings, assets and debts, monthly cash flow, and a net-worth trend that grows as you use it. You’ll find it under Personal → Finance.
The page is organized into five tabs:
| Tab | What’s there |
|---|---|
| Overview | Net worth, accounts, holdings, and an assets-vs-debt summary |
| Investments | Just your accounts and holdings table |
| Assets & debt | Properties and other assets, plus loans and credit cards |
| Cash flow | Monthly income and expenses |
| AI Analysis | A plain-language AI overview of your investment holdings |
Net worth
The Overview tab opens with your net worth — total assets minus total debt — and an assets-vs-debt bar. As you record snapshots over time, a net-worth trend chart appears (it needs at least two snapshots before it shows).
Click the eye toggle on the net-worth banner to blur every dollar figure when you’re in public — the setting is remembered between sessions.
Accounts
Click Add account to create one. Pick a type — Brokerage, 401k / IRA / Retirement, HSA, or Cash / Savings — and a name. Cash, retirement, and HSA accounts take a balance you enter; a brokerage account’s balance is computed from its holdings × current prices, so you add holdings instead of a balance.
Each account card shows its balance, a source tag (Linked for accounts that sync automatically, or Manual for ones you enter yourself), and — for linked accounts — how recently it synced and a chip showing when it next refreshes (e.g. Available now, Next in 5 days, or Syncs on open; a red Sync failed if its last sync hit a problem). Credit accounts show their balance as a red negative and count toward debt.
Holdings
On a brokerage, retirement, or HSA account, add a holding with its ticker symbol, number of shares, and (optionally) average cost. The Holdings table then shows price, value, day change, and gain/loss, with a portfolio allocation donut alongside.
Open the header Refresh menu and choose Refresh prices to pull the latest prices for every holding at once. The same menu has Refresh balances (re-pull your bank and brokerage balances) and Refresh transactions (update the Cash Flow feed) — each runs on its own so you always know exactly what was updated.
Each item is a small card that tells you, at a glance, what it syncs and from where (prices come from Yahoo Finance; balances and transactions from your linked banks; holdings from your brokerages), plus a colored status: green Available now, Next in 5 days when it's not due yet, or amber Syncs on open if it's never run. After a sync the card shows what it pulled — for example "34 quotes · synced 2h ago". If a sync fails, the card turns it into a red Sync failed flag with the reason (and a small red dot appears on the Refresh button) so a problem like a bank that needs reconnecting never passes by silently.
OrientME also refreshes this data on its own when you open Finance, on a sensible schedule per data type — bank balances and holdings about weekly, transactions about monthly, and stock prices daily — so your numbers are current without you thinking about it. Clicking a Refresh item always runs right away, no matter the schedule.
Open Refresh → Sync settings to change how often each kind of data refreshes automatically, or to turn off automatic account syncing entirely and only update when you click. Your manual Refresh buttons always work regardless.
Stock prices are handled separately: they come from free public market data and cover every holding, manual or linked — so they keep updating to stay current even if you turn off automatic account syncing.
Assets and debt
The Assets & debt tab tracks the rest of your balance sheet:
- Properties & assets — real estate, vehicles, and other valuables, each with an estimated value, optional purchase price, and computed equity.
- Debt — mortgages, auto and student loans, credit cards, and more, each with a balance, rate, monthly payment, and an estimated payoff timeline.
Both feed directly into your net worth.
Cash flow
The Cash flow tab is a month-by-month tracker of income minus expenses. Add entries with a name, amount, and category, and choose how often they repeat: monthly, one-time, or — for income — every 2 weeks or weekly. Insights highlight your largest recurring income and expense, and how this month compares to last.
Income that isn't monthly
Paid every two weeks or weekly? Pick that cadence and enter the amount per paycheck, then set your most recent payday. OrientME counts the actual paydays that land in each month — so the two months a year with a third biweekly paycheck show up correctly instead of being averaged away. A small "≈ $/mo" estimate shows alongside for budgeting.
A "twice a month" schedule (like the 1st and 15th) is exactly two paychecks every month, so just keep it as monthly and enter your monthly total.
When income stops
When a job or gig ends, edit the income and set an end date rather than deleting it. The income stops counting after that date, but every earlier month stays exactly as it was. Deleting a source is for entries added by mistake — it removes them from every month, including past ones.
AI Analysis
The AI Analysis tab gives you a plain-language overview of your investment holdings, tailored to your situation. Press Generate analysis and a short sheet asks a few quick questions (all optional):
- What's this money for? — growth, retirement, income, preserving capital, or a short-term need.
- Time horizon and risk comfort.
- Focus — pick what you care about most (concentration, diversification, sector exposure, fees, dividends, tax efficiency).
- How much guidance you want — from just observations to a few suggestions.
- Anything specific — a free-text note (e.g. "saving for a house in ~3 years").
A few seconds later you get a written overview that looks at your concentration and single-stock risk, diversification, sector exposure (compared against how those sectors are actually moving today), and your gains and cash position. It finishes with a Worth considering section — a few points based on general investor guidelines, clearly flagged as general guidance, not personalized advice.
Your answers and the analysis are saved, so the tab opens instantly next time and the sheet remembers your last choices. Press Re-analyze whenever your holdings change to refresh it (the tab tells you when they’ve drifted since the last run).
This overview is AI-generated from your holdings and current market prices. It has no news or research, its suggestions are only general investor guidelines, and it is not a substitute for a licensed financial professional. Don’t make buy or sell decisions based on it.
Connect a bank or brokerage
Open the Connections menu in the header to link accounts so balances and holdings import automatically:
- Connect bank — link a bank to import account balances; re-pull anytime with Sync banks.
- Connect brokerage — link a brokerage, then Import to pull your holdings.
- All-in-one link — link a bank or a brokerage in one step: banks import their balances and brokerages import their holdings (your positions). Use this for any bank that doesn't appear under Connect bank, or simply to connect both kinds of account from one place.
However you connect, accounts import the same way and look identical once linked.
If a brokerage you connected this way shows a balance but no holdings, open its account card and click Enable holdings. You'll confirm investment access with your brokerage once, and your positions import. (You only see this on connections made before holdings import was available — new ones pull holdings automatically. This step is done on the web.)
You sign in through your own bank or brokerage login, so OrientME never sees your banking password, and the connection is read-only — it can show your balances but can't move money. For how those connections are secured, see Security & data handling.
Each connected bank in the Connections menu shows how many accounts it has and when it last synced, so you can tell similar connections apart at a glance.
Connected accounts and imported holdings are read-only in OrientME — you manage them by syncing or disconnecting rather than editing by hand. Each connected account refreshes automatically on its schedule (adjustable in Refresh → Sync settings) and flags itself stale once its data is more than a day old.
Reconnecting a bank
Banks occasionally drop the connection — a login expires, or your bank asks you to re-verify. When that happens the bank is marked Reconnect needed in the Connections menu (and a refresh of one of its accounts will tell you the same). Click Reconnect next to it and sign in again; OrientME updates the existing connection in place — you won't end up with a duplicate set of accounts — and the bank goes back to syncing normally.
Reconnecting is done on the web app. On mobile you'll see the Reconnect needed flag in Connections so you know a bank needs attention — open OrientME in your browser to reconnect it.
Connection options depend on your OrientME setup. If you don’t see a connect button, keep tracking the account manually — everything works the same, you just enter the numbers yourself.
Snapshots, export, and privacy
- Snapshots — each time you refresh your balances or prices from the header Refresh menu, OrientME records a point-in-time net-worth snapshot (one per day). That history is what powers the trend chart.
- Export — download a JSON backup of your accounts, assets, debts, and net-worth history.
- Hidden from search — toggle whether finance data appears in global search.
Delete all finance data (in the Connections menu) permanently removes every account, holding, asset, debt, cash-flow entry, and snapshot, and disconnects any linked banks or brokerages. Export first if you want a copy — this can’t be undone.