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.
One statement. Every lender.
Your personal financial statement, always up to date.
Create it 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.
7-day free trial, then $19/month or $190/year. Manual entry is always free.
- Read-only connections
- Encrypted at rest
- Never sold
PFS requests never come at a good time
Out of date the day you finish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 stays live on its own. 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.
- Banks, loans, and credit cards through Plaid; brokerage — including Charles Schwab — through SnapTrade
- Balances refresh daily, so the statement reflects today’s position — down to this morning’s numbers
- 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
Every export carries a scannable QR certificate — open the example to see it.
How it works
A lender-ready PFS in minutes
Create it once
Connect your bank, brokerage, and loans read-only — balances and owner names flow in. Add real estate and business interests manually.
It refreshes itself
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 howBusiness owners
One personal statement across every entity and your personal assets — up to date when the bank asks again.
See howCovenant compliance
Your PFS is already up to date — satisfy periodic reporting without the quarterly fire drill.
See howRead-only, encrypted, 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. Synced values come from your institutions, not your keystrokes, so a lender can take those balances as reported. Anything you enter by hand is clearly labeled as manual. And every exported PDF carries a QR verification certificate a banker can scan to confirm 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.
Three steps: (1) connect your bank, brokerage, and loans read-only and LivePFS classifies them into assets and liabilities; (2) review the owner and entity labels and add anything providers can’t reach, like real estate or business interests; (3) download a password-protected PDF or share a revocable link. Balances refresh daily, so the same up-to-date PFS goes to every lender.
A balance sheet describes a business. A personal financial statement describes you — your assets and liabilities across every entity you own (LLCs, holdings, real estate) plus personal accounts — to show personal net worth and back a personal guarantee. LivePFS is built for exactly that personal, multi-entity view.
Connected balances refresh every day, and your net worth recalculates as they move. A fresh PDF is also emailed to you monthly for your records, so a current statement is always on hand.
Yes. Account connections are read-only — LivePFS can see balances but can never move money or place trades. Your data is encrypted at rest with managed keys, you own it, and you can revoke a shared link at any time.
You create your statement once instead of re-keying it for every lender. The values come from your connected accounts and refresh daily, so the same up-to-date PFS goes to any bank rather than a new form each time.
A 7-day free trial — card required, no charge until day 7 — then $19/month or $190/year. Manual entry is always free.
No. Your data is never sold or shared for marketing. It exists to build your PFS and to share with the lenders you choose, nothing else.
Your bank, loans, and credit cards through Plaid, and your brokerage — including Charles Schwab — through SnapTrade, all read-only. Together they reach thousands of U.S. banks, credit unions, and brokerages, so most institutions connect directly. Anything a provider can’t reach — real estate, business interests, private investments, or an institution that isn’t supported — you add manually.
Create it once. It’s ready whenever a lender asks.
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.