The luxury of privacy, with intelligence built in.
Early access — free while in beta. No credit card.
Every account, wallet, property, business, and collection on one encrypted balance sheet — with cash-flow awareness and planning depth that rivals institutional solutions.
One platform. The whole picture.
The complete balance sheet
Connect banks and brokerages in minutes. Add properties, businesses, and vehicles alongside them. Crypto wallets sync on-chain; exchanges connect with read-only keys. Your collections, from art to watches to cars, sit on the same statement with documented values.
Cash flow, without the guilt
See income against spending, recurring bills before they land, and where the money actually went. Your real spending grounds your long-term plan.
Advisor-grade planning
A projection engine that models federal and state taxes, business sales, drawdown order, and borrowing against your portfolio, driven by your real numbers. Educational projections you can interrogate, not advice.
Planning Discovery
Your plan starts with a conversation, not a spreadsheet.
Perpetuity interviews you: one plain-language question at a time about your household, your work, and what you want the money to do. It already knows what your connected accounts show, so it confirms rather than re-asks. As you answer, planning sections appear with your real numbers in them.
- Asks questions and records facts — every fact it holds about you is visible and editable. Multiple-choice answers never touch the AI at all.
- Which questions you're asked and which planning sections appear is decided by fixed, inspectable rules — not by the model. Your projections come from a deterministic engine whose assumptions are yours to change.
- Never recommends investments, products, or trades. Perpetuity is educational software, not a financial advisor.
Perpetuity Collections
Beautiful objects, on the balance sheet.
The watch on your wrist belongs on the statement — documented, valued, and sitting beside your brokerage.
- Vault with images & documents
- AI intake (receipt & photo)
- AI market valuations
- Client-side encrypted — stored as ciphertext we cannot read
One account for the whole suite. No credit card.
Privacy is the product.
You are trusting this software with the most complete picture of your wealth that exists anywhere. That is engineered for, not marketed at.
Read-only, always
Account connections through Plaid are read-only. Perpetuity can never move money, place trades, or change anything in your accounts — by architecture, not policy.
Client-side encryption
Our Collections vault — and the optional encrypted tier for your financial data — use AES-GCM encryption performed on your device, with keys derived from a password we never receive. Data you encrypt this way is ciphertext to us: unreadable by us, or by anyone who breaches us.
Your keys, your recovery
Encrypted-tier access is protected by a recovery phrase that only you hold. Bank connection tokens are stored encrypted with AWS KMS and are never logged or exposed.
Never sold, never advertised
No ads, no data sale, no "anonymized insights" sold to funds. You pay for the product; that is the entire business model.
Full security architecture write-up coming with our trust page.
Simple, flat pricing. Never a percentage of your assets.
Collections (Starter) in Perpetuity
STARTER
CollectionsStart your collection for free with up to 50 unencrypted items.
- Vault up to 50 items
- Manual values
- Images & documents
- Family basics
Free
Collections in Perpetuity
SINGLE APP
CollectionsEverything you own, catalogued, valued, and encrypted.
- Unlimited collection items
- AI cataloguing & valuations
- Encrypted vault
- Family sharing, showcase & share links
- Analytics & exports
From $390/yr
billed annually
- Solo — $390/yr or $39/mo
- Family (up to 5) — $590/yr or $59/mo
Finances & Collections in Perpetuity
APP BUNDLE
FinancialCollectionsYour full financial profile & collections all in one secure location
- Everything in Collections in Perpetuity
- Connected accounts & full balance sheet
- Cash flow & expense tracking
- Planning engine & discovery interview
- Monte Carlo simulationsComing soon
- Household members
- Reports & exportsComing soon
- AI assistant
From $990/yr
billed annually
- Solo — $990/yr or $99/mo
- Family (up to 5) — $1,490/yr or $149/mo
Finances & Collections in Perpetuity w/ Family Office
SUITE + SERVICE
FinancialCollectionsEverything in the Perpetuity Suite for your whole household, plus your professional support team.
- Everything in Finances & Collections in Perpetuity
- 3 advisor / CPA guest seats
- Higher AI allowances
- Entities & trusts with ownership rollupsComing soon
- Estate continuityComing soon
- Concierge onboardingComing soon
- Priority support
$4,990/yr
billed annually, or $500/mo
- Family only — up to 5 members
Annual billing shown first — about two months free versus paying monthly.
Pricing shown is planned; final terms will be announced before billing begins. Flat fees only — we will never charge a percentage of assets.
Questions, answered plainly.
The Perpetuity suite
Also explore Perpetuity Collections.
The watches, art, jewelry, and cars belong in their own private gallery. Photograph, catalog, and value every piece, client-side encrypted and ready to showcase or hand down. One account works across both apps.
Explore Perpetuity Collections →One login for the whole suite.