Formation Money

Every account, entity, and holding in one cited picture. AURA explains what the numbers mean — education only, never advice. For households that run their own money.

Formation is the personal finance dashboard for people who run their own money.

If your financial life has outgrown a spreadsheet — multiple custodians, a trust or LLC, equity compensation, real estate, private funds — Formation brings it all into one clear, honest picture, organized the way your wealth is actually structured.

WHAT YOU CAN SEE • Net worth across every account, entity, and asset class, updated as balances sync • Investment performance with true time-weighted returns and benchmark comparison • Cash flow: income, spending, and savings rate, categorized automatically • Real estate, equity compensation, and private holdings alongside your liquid accounts • A complete plan view: long-term projections, goals, insurance, estate, and a document vault

MEET AURA AURA is Formation's proprietary AI, built for education, not advice. It turns a complex financial life into plain answers, and every figure it shows is cited back to its source — sourced from a statement, computed from your data, or clearly labeled as an estimate. AURA gives no personalized investment advice and never moves your money.

BUILT FOR PRIVACY AND CONTROL • Bank-level security with two-factor sign-in built in • Your data is yours. Formation is not a registered investment adviser and does not manage or trade your assets • Connect accounts securely through Plaid, or add anything manually

See your wealth. Shape your future.

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Formation is a subscription. Start with a 7-day free trial, then $17.99/month or $199.99/year. Payment is charged to your Apple ID at confirmation of purchase. Your subscription renews automatically unless canceled at least 24 hours before the end of the current period; your account is charged for renewal within 24 hours prior to the end of the period. Manage or cancel your subscription in your App Store account settings after purchase.

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