Skip to content
The common app of personal financial statements

Your personal financial statement, always up to date.

Fill it out once, connect your accounts, and that's it. Balances refresh daily, so when a lender asks, you generate a current PFS with a click — instead of rebuilding one on a deadline.

  • Updated daily
  • Emailed monthly
  • Bank-level security

PFS requests never come at a good time

The worst possible timing

A lender asks for a current PFS exactly when you don't have time to create one, update one, or redo it on their template.

Out of date the day you finish

You spend an afternoon keying in balances. The numbers move the next day, and the statement is stale before underwriting reads it.

A different form for every lender

Each bank hands you its own PFS template. Same assets, same accounts, retyped from a blank page every time.

Your net worth lives in ten places

Bank, brokerage, mortgages, properties, LLCs, trusts. Pulling it all onto one page is the part that eats your week.

The fix

Create it once. It stays up to date.

Create your LivePFS once and it's always live and up to date with your latest information. Connect your bank, brokerage, and loans read-only, and the balances refresh daily. Have a fresh copy delivered to you monthly for your records, or download it at any time. Full bank-level security.

  • Banks, loans, and credit cards through Plaid; brokerage — including Charles Schwab — through SnapTrade, all read-only
  • Balances refresh daily, so the statement reflects today, not the day you last filled out a form
  • Real estate, business interests, and private holdings you add manually — with ownership across LLCs, trusts, and joint accounts
  • One PFS for every lender: share a secure, revocable link instead of filling out each bank's template
  • A fresh PDF is emailed to you every month for your records

How it works

A lender-ready PFS in minutes

Fill it out once

Connect your bank, brokerage, and loans read-only — balances and owner names flow in. Add real estate and business interests manually.

It stays up to date

Connected balances refresh daily and your net worth recalculates on its own. Nothing to maintain, nothing to retype.

Generate it anytime

Download the PDF or Excel with a click, or share a secure revocable link. A fresh copy is emailed to you every month.

What you get

Everything a lender expects, kept current

Always up to date

Connected balances refresh every day. The statement you download this morning reflects this morning — not the last time you had a free afternoon.

One PFS, every lender

Send the same statement to every lender instead of retyping each bank's template. Share it as a secure link you can revoke at any time.

Connect once, read-only

Banks and loans through Plaid, brokerage including Charles Schwab through SnapTrade. LivePFS sees balances; it can never move money or place a trade.

Generate it with a click

Download a clean PDF or a formula-driven Excel whenever a lender asks, password-protected if you choose. Formatted the way underwriters expect to read it.

Delivered monthly

A fresh statement lands in your inbox every month for your records. Your PFS keeps its own paper trail.

Personal means every entity

A personal financial statement covers everything you own — LLCs, trusts, joint accounts, properties. LivePFS keeps the ownership math straight on one page.

Built for

The borrowers lenders ask the most of

Real estate investors

Property values and mortgage balances that stay up to date — ready the day you find the next deal.

See how

Business owners

One personal statement across every entity and your personal assets — up to date when the bank asks again.

See how

Covenant compliance

Your PFS is already up to date — satisfy periodic reporting without the quarterly fire drill.

See how

Bank-level security, numbers a lender can trust

Connections are read-only — LivePFS can see balances, never move money or place trades. Your data is encrypted at rest with managed keys, you own it, and it's never sold. And because synced values come from your institutions rather than your keystrokes, a lender can take those balances as reported by the institution — anything you entered by hand is labeled as such — and every exported PDF carries a QR verification certificate that confirms it's genuine.

Questions, answered

A personal financial statement is a one-page summary of an individual's assets, liabilities, and resulting net worth, usually broken out by owner or entity. Lenders require it to underwrite loans, renewals, and personal guarantees. LivePFS builds yours from your connected accounts and keeps it up to date, so it's ready whenever a lender asks.

Create it once. It's ready whenever they ask.

Connect your accounts and reach a lender-ready statement in minutes. From then on it stays up to date on its own. Free for 7 days, no charge until day 7.

7-day free trial, then $19/month or $190/year. Manual entry is always free.