Tessera

The agentic balance sheet

Your net worth, finally acting like it knows you.

Tessera is the first net worth tracker that moves. Multi-entity from day one. Voice and photo native. Every recommendation cites the rows it used. Built for operators, founders, and families whose balance sheet is more than one checking account.

Sample data · illustrative

Total net worth · Personal

+$12,528.53   +0.44% today

$2,847,392.18

Tax-loss harvest: $3,200 in VTSAX lots eligible. Window closes Dec 31.

Recommended move

Your $42,000 checking balance is dragging $1,446/yearafter a 3-month operating buffer. Move $30,000 to Schwab MMF (4.83% 7-day yield).

It acts.

Monarch is a dashboard. Kubera is a spreadsheet. Empower is a sales funnel. Tessera proposes specific moves with the math attached. You decide. It schedules. It follows up.

Multi-entity, natively.

Personal, LLC, trust, joint household. One balance sheet, switchable views, real tax-entity boundaries. The way wealth is actually structured.

Voice and photo.

Hold the mic, say “paid eight thousand on the HELOC.” Snap a photo of a Rolex — Tessera identifies the reference and pulls live comps. Manual entry, finally civilized.

Multi-entity model

The day you add an LLC, every other tracker becomes useless.

Personal, business, trust, household. One balance sheet, switchable views, real tax-entity boundaries — the way wealth is actually structured.

Personal

$2,847,392.18

Northstar Holdings LLC

$412,008.00

Family Trust

$1,204,330.00

Household (rolled up)

$4,463,730.18

Sample data · illustrative.

Pricing

Pay for the agent, not the chart.

Free

$0

1 entity, 5 accounts. Balance sheet only.

Pro

$15/mo

Unlimited accounts. Agent on. One entity.

Wealth

Most popular

$35/mo

Multi-entity. Household roll-up. Tax module.

Family Office

$129/mo

4+ entities. Document vault. Advisor seat. Priority support.

First hundred lock founder pricing for life. Annual billing 2 months free.

Security & data

Your balance sheet stays yours.

Read-only by default

Plaid connections are read-only. Tessera can see your accounts; it cannot move money. Write access is opt-in, per-account, and audited.

Encrypted at every layer

TLS 1.3 in transit. AES-256 at rest. Per-tenant key isolation. Database backups encrypted with separate KMS keys.

One-click delete

Delete your account from settings. Everything — accounts, holdings, suggestions, audit log — is hard-deleted within 30 days. No dark patterns.

We don't sell data, ever

No ad tech, no data brokers, no anonymized resale. Your data trains nothing outside your own account. Revenue is subscriptions — full stop.

FAQ

The questions we get most.

How is this different from Monarch or Copilot?

Those are dashboards — they show you the number. Tessera proposes specific moves with the math attached: move $X from checking to your treasury fund, harvest $Y in VTSAX losses before Dec 31, your S-corp distribution is overdue by Z days. Every suggestion shows its inputs, the formula, and a confidence range. You stay the decision-maker; the math is finally visible.

When does early access open?

In waves through Q3 2026. First hundred get founder pricing and a direct line to the build. We're working with a small group of design partners now — operators with multi-entity household balance sheets — to make sure the entity model is right before we open it up.

What happens to my data?

Stored encrypted at rest, transmitted over TLS 1.3, isolated per tenant. We don't sell it, share it with ad tech, or feed it to anything outside your own account's reasoning. You can hard-delete everything in one click from settings — see the security section above.

Is this investment advice?

No. Tessera is an educational tool — it surfaces math and structural moves you could consider. It does not personalize for your full situation, your tax bracket, or your risk tolerance. For tax, legal, or investment advice specific to you, talk to a licensed professional.

What if I don't have an LLC or a trust yet?

You don't need one. Start with a single personal entity; add a household roll-up if you have a partner. When you do form an LLC or a trust, you add it as a sibling entity and Tessera shows you the consolidated picture automatically. Multi-entity is the headline because it's the killer feature, not because it's required.

Does this work for a portfolio in the millions?

Yes — that's the design target. We model lots, basis, illiquid holdings (real estate, watches, art, private equity), and entity-level tax boundaries by default. The Family Office tier supports 4+ entities plus an advisor seat. If you have something unusual on your balance sheet, mention it on the waitlist signup and we'll make sure it's covered.

Early access

The first hundred get lifetime founder pricing and direct line to the build.

One email a week, never spam. Early access opens in waves through Q3. By joining you agree to our privacy policy.