01 · Registry
Know what the household owns and owes.
A provider-first registry gives each account, asset, and liability a clear home.
- Institution and provider hierarchy
- Accounts, assets, and liabilities
- Household and member ownership
Private household finance workspace
One place to understand the family balance sheet.
HomeCIO connects the records you maintain, the monthly close you complete, and the investment decisions you need to explain — without pretending every number is live or every answer is certain.
- Household-scoped records
- No broker trading access
- Evidence-aware AI research
The product, in orderNo sample balances
01
Build the household registry
Institution → account · asset · liability
Keep ownership and financial records anchored to the institutions that hold or service them.
02
Close each month
Import → cashflow → Balance Center
Review what arrived, reconcile what changed, and keep the reporting date visible.
03
Research before deciding
Holdings → Research → Position Decisions
Move from portfolio context to sourced research and a decision record you can revisit.
This is a product map, not a simulated account or a promise of real-time coverage.
A connected operating rhythm
Records first. Review second. Decisions last.
HomeCIO keeps these jobs connected while preserving the boundary between recorded household facts, market data, and AI-generated judgment.
02 · Monthly close
Turn incoming records into a reviewed month.
Imports and cashflow feed a month-end review, while holdings remain the account-level investment record.
- Import review and reconciliation
- Cashflow, bills, and balance review
- As-of dates and data-quality signals
03 · Decisions
Make the reasoning inspectable.
Research and AI reports help test a thesis; Position Decisions keep the conclusion separate from the evidence.
- Portfolio and position context
- Cited research and competing views
- Saved decisions with an audit trail
Trust is part of the interface
Every important number needs context.
Financial software should show where information came from, when it was observed, and where judgment begins.
Freshness is explicit
As-of dates, quote status, and fallback states stay visible instead of being collapsed into a generic “live” label.
Sensitive values stay deliberate
Household access is scoped, amounts can be masked, and sensitive reveals are treated as intentional actions.
AI is judgment, not source data
Research keeps citations, capability limits, and competing views visible so a generated conclusion can be challenged.
Get started
Run the household with a clearer record.
Continue with Google or email. New users create their household workspace after verification; returning users go straight back to their records.