Westara
Private household finances

Your wealth. Under control.

Current account, savings and portfolio add up to one number: your net worth.Your plan sits beside what was booked – for you or your whole household.

Optional two-factor sign-in

Read-only – Westara can't move money

34 days of Solo free · no card · then Free (€0, no subscription) · Solo €12.99/month or €99/year · Plans

Try Solo for 34 days – no card How it works

Result One net worth. Every account, every receipt, every asset – in its place.

Three steps to the number.

  1. 01

    Bring your data

    CSV or CAMT from your bank, broker files, eToro with a read-only key, Bitcoin by watch-only address.

    Bank sync: from launch.

  2. 02

    Sort it

    Bookings sorted by your categories and rules. Contracts from Solo: monthly cost and notice date.

  3. 03

    Know where you stand

    One number, every morning. Net worth in your currency: savings, investments, real assets and loans.

Sample household

From Sunday night to Monday morning.

Miriam and Stefan. Two banks, a portfolio, a plan. All sample data.

  1. Sunday, 9 pm

    Three apps, one PDF, no shared number.

  2. Sunday, shortly after

    Two CSV files imported: 2.915 € of 3.200 €, next to the bookings.

  3. Monday, 7 am

    One number, in euros, for the household.

Read the story
Try Solo for 34 days – no card How it works

News

  • Two-factor login on every plan

  • Loan, contract and repayment

All updates

Where do you stand? In one number.

The current account is at your main bank, savings at another, the portfolio at the broker. You entered the remaining mortgage yourself. Together they are your net worth, in your home currency.

Sample data

Net worth

434.033 €

  • Current accountMain bank4.812,30 €
  • SavingsOnline bank28.400,00 €
  • PortfolioBroker162.930,45 €
  • HomeSwitch on452.490,00 €
  • MortgageRemaining principal−214.600,00 €

Rounded, like the morning picture. This example is in EUR. Today’s balances also show in USD, CAD, GBP or CHF. The home is in the figure because the switch is on. History is not re-converted.

  • Accounts

    Current accounts, savings, portfolios and loans. CSV and CAMT on every plan, or kept by hand. Limited Bank connection (read-only) – limited availability on Solo and Family

  • Spending

    Your own categories, payee rules, and the plan next to what was booked. From Solo, AI sorts new bookings, and you confirm every change. You turn contracts on yourself — not on the Free plan.

  • The whole picture

    On Family, up to six logins of your own. Me, one person, or everyone — a filter, not one shared book. Cash on hand is an account. Home, car and valuables only when you switch them on, with no appraisal. Bitcoin by watch-only address, never a seed.

One household, seven roles

Every household has its own kind of chaos. Westara sorts it out.

Budget, portfolio, cash, the yearly plan: often they live in separate apps, folders and spreadsheets. Westara brings all seven roles onto one platform.

01 · The household CFO

Your accounts. One 360° cockpit.

Up to six logins of your own. Filter Me, Person or All.

A current account here, savings there, the mortgage at a third bank: Westara brings it all together into one net worth. On Family, everyone has their own login and their own accounts; the Me / person / All filter shows one person or the whole picture.

  • Bank connection (read-only) – limited availability on Solo and Family
  • Net worth in your home currency (EUR, USD, CAD, GBP or CHF). Live balances convert into it; history, cost basis and budgets keep their original amounts.
  • Current and savings accounts, portfolios, loans and memberships
  • Up to 6 people, including you – individual and combined view
02 · The investor

Stocks and ETFs. Always in your net worth.

Portfolio inside net worth. Every price shows its status.

Prices for stocks and ETFs arrive about every 15 minutes and flow into your net worth; each quote shows whether it is live, delayed or stale. Plus key figures and performance, eToro through a read-only API key – and Explain shows you, in your net-worth trend, what the figure is made of (no AI).

  • Prices about every 15 minutes, marked live, delayed or stale
  • KPIs for stocks and ETFs
  • eToro through a read-only API key, including the crypto you hold there
03 · The spreadsheet user

No more month-end spreadsheet.

Bookings sorted by your categories and rules.

Upload statements as CSV or CAMT: the AI recognises columns, accounts and categories. Where it can, a direct bank connection takes over – and the spreadsheet gets to clock off.

  • CSV and CAMT import with AI assistance
  • Direct bank connections instead of copy and paste
  • AI categorisation check
  • PDF reports at the click of a button
04 · The mindful saver

Know where the money goes.

The plan beside what was booked. Contracts from Solo.

What came in, what went out, what is left? Westara shows spending by category and keeps budgets. From Solo, you keep rent, insurance and subscriptions in view as contracts.

  • Spending insights and budgets
  • Contracts from Solo (optional): rent, insurance, subscriptions – monthly cost and notice date
  • Plan-vs-actual analysis by AI
05 · The asset owner

What isn’t in the bank counts too.

Only with the switch on, and no estimate.

Car, property, watch, art, the petty cash tin or the renovation as a project of its own: keep physical and illiquid assets up to date by hand – they flow into your net worth.

  • Illiquid assets: property, vehicles, valuables
  • Manual accounts for anything without a bank
  • Your own projects with budget and progress
06 · The cash user

Cash, finally accounted for.

Cash is an account.

You categorise what you spend in cash; manual entries keep your cash balance right – down to the cent.

  • Cash as its own account
  • You categorise cash spending yourself
  • Manual entries and an accurate cash balance
07 · The annual planner

Budget your income & spending.

Plan beside actual, month by month.

Build your yearly plan from your household history: you decide what applies for each category. Then, month by month, you see what was planned – and what actually came in and went out. The AI analyses plan vs. actual and shows you where you deviate.

  • Income and spending budgets by category
  • Planned vs actual, month by month
  • Build a yearly plan from your household history, with AI analysis of plan vs. actual

Try Solo for 34 days – no card How it works
App focus

Only what you need.

With App focus you choose what Westara shows you: All, Household, or Wealth. Menu items and Overview sections you don’t need right now are hidden. Nothing is deleted.

  1. 01

    On every plan, including Free and the trial.

  2. 02

    When you start, Westara asks: All, Household, or Wealth. All is preselected.

  3. 03

    Switch any time in Profile › Preferences or the account menu. The change saves instantly.

  4. 04

    Per person: on Family, everyone picks their own focus.

Hidden, not deleted.Household focus: Portfolio is hidden, not deleted. Overview, Accounts and Household stay visible.

Wherever you are

At your desk and on the go.

Westara runs in the browser on your desktop and as a mobile PWA on your phone – no app store, same overview.

  • Desktop in the browser
  • Mobile PWA
  • PDF reports
  • Help centre with answers on budgets, investments and security
AI in Westara

A second look at your finances.

The AI reads along if you want it to: in the chat it answers questions about figures already on your screen, and it checks categories. You confirm every change. AI starts with Solo, including the trial: 200 AI credits per month (1 chat message = 1 credit). Family – AI: 300 credits per month, shared across the household. Free has no AI chat. Explain is not AI: on every plan it shows you what a figure is made of, built from the figures in the app.

  • Spending insights
  • Unusual items explained
  • Plan vs. actual analysis
  • Categorisation check
  • Every change needs your confirmation
  • AI chat agent
Private and protected

Your finances belong to you.

You connect eToro with a read-only API key that you create yourself at eToro. Westara rejects keys with write rights.

More on security
  • Your financial data: stored in Frankfurt (EU)We store your financial data in Frankfurt am Main (EU). When you use Ask Westara, and automatically for some AI features (e.g. sorting new bank transactions or the daily watchlist summary), we send the data needed for that task to an AI provider in the US. Details are in our privacy policy.
  • Two-factor sign-inOptional two-factor sign-in with an authenticator app, on every plan: Free, Solo, the trial, Family, and your own server.
  • Watch-only where possibleeToro through a read-only API key. Bank connection (read-only) – limited availability on Solo and Family.
Plans

Free, Solo, Family. Your call.

  1. FreeStarts with 34 days of Solo · no card · then €0
    • Household budget & actuals
    • File import · export
    • No live bank sync or AI

    AI credits No AI

    €0no subscription, no card
    Start free
  2. Solo RecommendedOne person
    • Live bank sync (Open Banking): coming
    • AI categories & AI chat with monthly AI credits
    • Year-end reports

    AI credits 200 per person

    €12.99/mo€99/yrSave 36% yearly
    Try Solo for 34 days
  3. FamilyUp to 6 people
    • Everything in Solo
    • Invite people and see everyone's budget together
    • Shared morning summary

    AI credits 300 per household

    €17.99/mo€139/yrSave 35% yearly
    Choose Family

On every plan: App focus and optional two-factor sign-in with an authenticator app, including Free and the trial.

Every sign-up starts with a 34-day Solo trial, with AI, then moves to Free. One trial per household (Solo only), no card needed. Live bank sync is coming. Compare all plans →

Short answers.

How does Westara protect my data?

Your books are stored in the EU. When you use Ask Westara, and automatically for some AI features (e.g. sorting new bank transactions or the daily watchlist summary), we send the data needed for that task to an AI provider in the US. Details are in our privacy policy. Optional two-factor sign-in on every plan.

Do I enter my bank PIN in Westara?

No. You never enter your bank PIN or TANs in Westara. You can import files (CSV, CAMT) on every plan. Bank connection (read-only) has limited availability on Solo, Family, and the Solo trial: you enter your bank login and TANs only in the form of our account-access partner, a provider licensed or registered by BaFin as an account information service.

What happens after the 34 days?

After 34 days of Solo you move to Free automatically – €0, no subscription, no card. Features that are only in Solo (e.g. the AI) are then no longer available. One trial per new household.

How do I cancel a paid plan?

You cancel paid plans in your account. They run until the end of the paid period; there is no pro-rata refund. You can export at any time.

Can several people use Westara?

On Family, up to six people, each with their own login, plus a shared morning summary. Family has no trial.

Can I export and delete?

Yes, on every plan, Free included. We keep invoice records as long as the law requires.

Try Solo for 34 days – no card How it works
All questions in the help centre

Your financial life. Private. In one place.

Free, Solo or Family: every sign-up starts with a 34-day Solo trial, no card needed. Every detail is on the plans page.

Try Solo for 34 days – no card How it works