Westara
Private household finances

Your wealth. Under control.

Accounts, budget, investments and contracts in one place. For you or your whole household.

Try Solo for 34 days – no card Visit the help centre

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

Three things, done properly

Accounts, spending, financial life. In one place.

01

Manage your accounts

Current accounts, savings, portfolios and loans – imported via CSV and CAMT, on every plan. Read-only live bank sync via finAPI (Solo, Family and the Solo trial) is coming.

02

Manage your spending

Your own categories, payee rules and budgets. From Solo, AI sorts bookings for you, and you track contracts if you want to.

03

One place for your financial life

Family, physical assets, cash and your own projects – the whole picture, private and complete.

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.

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.

  • Coming: live bank sync (Solo, Family, Solo trial), read-only via finAPI GmbH (an account information service provider supervised by BaFin): 3,500+ banks. More than 99% coverage in Germany, and other European banks the connector lists
  • 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, ETFs, CFDs. Always in your net worth.

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, ETFs and CFDs
  • eToro through a read-only API key, including the crypto you hold there
03 · The spreadsheet escapee

No more month-end spreadsheet.

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.

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.

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.

A rule posts ATM withdrawals to your cash account. You split and categorise what you spend; manual entries keep your cash balance right – down to the cent.

  • ATM withdrawals detected automatically
  • You split and categorise cash spending yourself
  • Manual entries and an accurate cash balance
07 · The annual planner

Budget your income & spending.

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
App focus

Only what you need.

With App focus you choose what Westara shows you: the full app, just household and budget, or just your investments. 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: Full app, Household and budget only, or Investments only. Full app 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.

Sample data
  • Overview
  • Accounts
  • Budgethidden
  • Spendinghidden
  • Contractshidden
  • Portfoliohidden
  • Dividendshidden

Net worth

€486,240+2.4%

Budget · Augusthidden

€2,914.60of €3,200 budget

Contractshidden

€13.99 / monthStreaming · next debit on the 1st

Portfoliohidden

€181,134.55+11.8% year to date
Hidden, not deleted. Your start page stays the same.

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.

Your connection to Westara is encrypted, and your data is stored encrypted. You connect eToro with a read-only API key that you create yourself at eToro. Westara rejects keys with write rights.

More on security
  • Encrypted in transit and in storageAll data between your device and Westara travels over an encrypted connection. Your data is stored encrypted. We store your financial data in Frankfurt am Main (EU). When you ask an AI question, we send the question and the household details needed to answer it 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. Live bank sync via finAPI GmbH (an account information service provider supervised by BaFin) is coming, read-only as well.
Plans

Free, Solo, Family. Your call.

  1. FreeOne person
    • Household budget & actuals
    • File import · export
    • No live bank sync or AI

    AI credits No AI

    €0no subscription, no card
    Start free Solo trial
  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/yr incl. VATSave 36% yearly
    Start free Solo trial
  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/yr incl. VATSave 36% yearly
    Choose Family

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

All prices incl. VAT. 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 →

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 Visit the help centre

A sample household · Sample data

See your Monday morning.

  1. Sunday, 9 pm

    Three banking apps, a portfolio PDF – and cell F12 says #REF!.

  2. The plan

    August: €2,914.60 of €3,200 – right next to what was booked.

  3. Monday, 7 am

    One picture, one number, in euros. For the whole household.

Read the whole story

Recently improved

Every change, dated.

  • Two-factor login on every plan

  • Loan, contract and repayment now belong together

  • A home and its loan at a glance

All updates