Setup from $500

Run your life like a CFO.

Your household has income, costs, cash and runway, just like a company. We build the statements, send you a one-page report each month, and track what you are saving for.

Get started See a sample report

Questions first? Book a call. Only if you want one.

No budget app · No bank logins · No guilt

Addy Riley, founder.
15+ years in corporate finance and as a CFO.

quiditySAMPLE

September report

Sample household · illustrative numbers

Margin

17.9%

+2.0 pts vs Aug

Cash flow

+$2,010

after all costs

Runway

2.1 mo

after $9,000 reserved

Where each $100 of income went

Cost of earning 14.6%Living 54.9%Lifestyle 12.5%Margin 17.9%

Line	Sep	Aug	Change
Income	11,200	11,200	0
Cost of earning	1,640	1,720	-80
Living	6,150	6,090	+60
Lifestyle	1,400	1,610	-210
Margin	2,010	1,780	+230

Reserve: Cabo, New Year's

$9,000 of $15,000+$1,500 this monthNeeds $2,000 a month to finish

The problem

Companies have a team on this. You have a banking app.

A company gets

A monthly close, every month
A P&L, balance sheet and cash flow statement
A review of actuals against expectations
A finance lead who explains what changed

A household gets

A balance in an app
A list of transactions
A vague feeling that money is tight, or fine, or both

Most people are not bad with money. They are working without the one thing every business takes for granted: a regular, clear look at the numbers.

You do not need to restrict anything to get that. You need to see it.

You do not need a budget. You need to know what is going on.

What you get

The three statements, plus one page that tells you what changed.

Everything below is a sample with made-up numbers. Yours are built from your own bank exports.

Personal P&L

What came in, what it cost to earn it, what is fixed and what is variable, and what you kept.

Income	11,200
Cost of earning	-1,640
Living	-6,150
Lifestyle	-1,400
Margin	2,010

Balance sheet

What you own, what you owe, and what you are worth.

Cash	19,400
Reserved cash	9,000
Investments	64,200
Retirement	112,500
Debts	-10,950
Net worth	194,150

Cash flow

Where the cash actually moved, and what is left.

Opening cash	27,490
Income received	+11,200
Spending	-9,190
Invested	-1,100
Closing cash	28,400

Monthly variance report

One page. What moved against last month, what to look at, your reserves, and your runway after them. It explains itself.

Open the full sample report (PDF)

Who it is for

For anyone who wants to see the whole picture.

The partner who is not the money person

You share a life and a bank account, but not the full view. Quidity gives you your own clear picture, in plain language, without asking anyone to explain it.

The busy couple

You both know things are fine, or tight, or both. Now you can both see which, every month, in ten minutes.

The professional who earns well and still wonders

Good income does not mean clarity. See your margin, your runway and what it costs to earn, without maintaining another app.

How it works

You send exports. We do the rest.

Get started and send your exports

Answer a short questionnaire about your accounts, see your price, pay online, then drop statements into a secure shared folder. We never ask for your bank logins, and nothing connects to your accounts.

We tag and build

We set up your categories, map every account, and build your statements. Each month we do the tagging and update everything. Your first report arrives within 6 business days of receiving your exports.

A one-page report, every month

What changed, what to watch, what it means, and how your reserves are doing. If you want to talk something through, book one any time.

Cost of earning

The number other tools ignore.

A company calls it cost of goods sold: what it takes to produce the revenue. Your household has one too. Your commute, the childcare that lets you work, the gear and subscriptions your job requires.

Most apps file these under "spending" and tell you to cut back. We separate them, so you can see what it really costs to earn your income.

Sample month

Commute$310

Childcare that enables work$1,050

Required work gear$120

Work-related subscriptions$160

Cost of earning$1,640

$9,560 you keep to live on

$11,200 income14.6% cost of earning

Offer and pricing

Pricing built around your household.

A one-time setup, then a monthly close. Every household is different, so your price is custom. Setup starts at $500.

Setup, one time

from $500

Monthly close

Custom

What shapes it	What we look at
Accounts	How many bank, credit card, investment and retirement accounts
Income	One income, several, or self-employment
Assets and debts	A mortgage, rental property, business, loans and similar

Answer a short questionnaire and you will see your exact price before you pay.

Get started Talk to us first

Setup

Intake and onboardingA short questionnaire: how many accounts you have, and yes or no on a car loan, mortgage, rental property, investments and more.
Your categories and mappingBuilt once, including your cost of earning.

Monthly close

We do the taggingYou send exports. We handle the rest.
Your statements, updatedP&L, balance sheet and cash flow.
A one-page reportVariance against last month, in plain language.
Fixed vs variable and subscription clean-upSee your floor, where you have room to move, and which recurring charges to review.
Reserves trackingSet money aside for a trip or big purchase. Your runway shows what is truly available.
Questions answeredA call is there if you need one. Most people never do.

About the founder

We spent 15 years watching how companies handle money.

We have spent more than 15 years in corporate finance and as a CFO. We cleaned up companies, sold companies and watched companies fail. The ones that lasted had something in common: they looked at their numbers every month, whether things felt good or bad.

Then we looked at households and saw none of that discipline. People with good jobs and real responsibilities, running on a banking app and a feeling.

It showed up most with friends going through divorce. Again and again, one or both of them had no idea where the money was. That is a hard way to learn what your own finances look like.

Quidity is the monthly close, brought home. Financial literacy is independence, and we think everyone deserves it.

Addy Riley, founder

Questions

Straight answers.

Is this financial advice?

No. Quidity provides financial education, frameworks and reporting. We are not licensed financial advisors, and nothing we send is investment, tax or legal advice. We help you see your numbers clearly. What you do with them is your call.

How do you keep my information secure?

Bank exports go through a secure shared folder. We never ask for bank logins, and nothing connects to your accounts. You can read exactly how we handle data on the privacy page.

What do I need to upload?

Exports from your bank and card accounts, usually CSV or PDF statements. We send you a simple checklist at onboarding so you know exactly which accounts and months to include.

Do I have to get on a call first?

No. You can get started on your own: answer the questionnaire, see your price, pay and send your exports, and we take it from there. If you would rather talk first, or have questions along the way, book a call and we are happy to chat.

Is there a monthly call?

No. Your one-page report is written to stand on its own. If something in it raises a question, or you want to talk it through, book a call any time.

Can I save for a trip or a big purchase?

Yes. Add a reserve for anything you are saving toward, such as a $15,000 trip. Your report shows how much is set aside, how much you still need each month, and your runway after reserves, so earmarked money is never mistaken for spendable cash.

Who is this for?

Busy adults, especially couples and partners who are not the one who handles the money day to day, who want to know what is really going on without maintaining a budgeting app. It is built for visibility, not restriction.

Do I need to stop spending on things I enjoy?

No. There is no judgment and no rules to follow. You get a clear picture, and you decide.

Find out what is really going on.

Get started in a few minutes: answer a short questionnaire, see your price, pay, send your exports, and we build your statements. Want to talk first? Book a call below.

Get started

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