LiquidityRule L-04
Your safety net is thinning.
Cash buffer has declined four months in a row while outflows held flat. At the current pace, you drop below your stated floor in about six weeks.
Liquidity runway
6.2 mo3.8 mo
An independent financial check-up
Finally understand
why your wealth moved.
The check-up you do before anyone tries to sell you anything.
Five minutes a month — on your machine, not theirs.
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What a monthly view looks like
March 2026
+1.5%S$284,500
+S$4,200 this monthYOUR EFFORT+S$2,600
MARKETS+S$1,600
OUTFLOWS−S$800
“Your behaviour drove 62% of this month's growth. It was your strongest savings month in six.”
The gap nobody fills
Your wealth has a story. Most tools miss it.
Your bank shows balances, not behaviour.
A higher balance doesn't tell you why it went up.
Missing: the why
Your advisor shows plans, not facts.
Projections come after knowing what happened.
Missing: the truth
Your spreadsheet shows totals, not causes.
You can track but still not know why your wealth moved.
Missing: the signal
Yinara separates what you did from what the market did.
How it works
Five minutes. One clear answer.
01
Add your balances
Enter account totals or individual positions. You choose the depth.
Your accounts
DBS BankS$12,450
IBKR BrokerageS$23,890
KrakenUS$8,200
Under 5 minutes
02
See the split
We separate savings, market returns, and outflows.
The split
Effort+S$2,600
Markets+S$1,600
Outflows-S$800
Instant
03
Know what to do next
We surface what deserves attention, month over month.
Your next move
Strongest savings month in six.
Keep the rhythm going
Month over month
Early warning system
What Yinara catches
before you feel it.
A rules engine tracking saving behaviour, growth rate, liquidity and concentration. It fires when a pattern actually changes — not on a probability score.
BehaviourRule S-07
Your raise didn’t land.
Income up 12.4% YoY. Savings rate down 3.1 pts. The extra income is slipping into outflows.
AttributionRule C-02
Only 47% of what you saved.
You put away S$28,400 last year. Only S$13,350 landed in net worth. FX drag and outflows ate the rest.
MomentumRule V-03
Still growing — just slower.
Monthly growth cooled from 2.1% to 1.8% to 1.4% across the last three months. The number is up, the trend is down.
AllocationRule A-05
One position grew into 42%.
Your IBKR VOO holding drifted from 28% to 42% of net worth over nine months. You never rebalanced — the market did it for you.
Every number is computed. Never invented.
Deterministic engine · No AI guesswork
here's why you can trust us
Built the way we'd want it for ourselves.
We don't earn when you buy
No commissions. No affiliate links. No fund recommendations. Not now, not ever.
Your machine, your data
Local mode runs in your browser. No account needed to start, no servers to trust.
Five minutes, then leave
No streaks. No daily notifications. No engagement loops to keep you scrolling.
Take it with you
Export everything in one click. CSV, any time. No lock-in, ever.
Know where you stand.
See where you're
going.
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