Your long-term financial agent
Plan your money for decades, not just this month.
Semeara brings your accounts, goals, and investments into one place — built for individuals, couples, and families thinking years ahead, not another budgeting app for this month's spending.
Most finance apps think in months. Your life doesn't.
Buying a home, raising a family, retiring well — these take years of consistent decisions, not one dashboard glance. Semeara is built around goals that span years, not categories that reset every 30 days.
What this looks like in practice
Three illustrative situations — not real customers, but the kind of financial life Semeara is built around.
Building a life together
Two people, two histories of spending, and no shared picture of where the money's actually going.
Shared goals stay visible to both partners, while each person's own account stays private unless they choose to share it.
“You're on track to hit your emergency fund by June — even after last month's higher spending.”
Raising a family, planning ahead
A teenager old enough to start managing their own money, parents who want to stay involved without hovering over every purchase.
A teen's own goal lives inside the family workspace — visible to parents, actually managed by the teen.
“The university fund is 68% there, on pace for the target date — no spreadsheet required.”
A lifetime of wealth, made visible
Decades of accounts, investments, and decisions, scattered across statements no one but you has ever fully understood.
Every account and holding — even across currencies — comes together into one long-term picture that gets richer every year.
“Your household's full position, across every currency and account, in one place — not just on the day it changes.”
What makes it different
Works with any institution
Your accounts stay wherever you bank. Semeara never asks you to move your money to use it.
Your checking account at one bank and your investment portfolio at another, understood together — without moving a cent.
Built for households, not just individuals
Couples and families can share goals and accounts with real, granular roles — owner, contributor, viewer, advisor — not an all-or-nothing shared login.
You can see the shared savings goal. Your partner's own account balance stays private until they choose to share it.
Forecasts you can question
Every projection comes with a plain-language explanation of its assumptions and a confidence level, not just a number.
This purchase is affordable, but it would delay your emergency-fund goal by about 3 months.
Why trust it with this
Your data stays isolated
Every workspace is enforced at the database level, not just in application code — a bug can't accidentally show one household's numbers to another.
We never touch your money
Semeara is a read-only view of your financial life. It can't move funds, and it doesn't want to become your bank.
Every forecast explains itself
Assumptions and a confidence level sit next to every projection — never a bare number asking for blind trust.
We're pre-launch and don't have customer stories to share yet — this is what we can show you instead.
Available today
- Accounts & transactions across institutions, with CSV and PDF statement import
- Goals and Saving Boxes, including shared contributions between accounts
- Installment and investment tracking
- A 12-month cash flow forecast and per-goal completion estimates
- Spending-pattern and opportunity insights
- Couple and Family workspaces with an Advisor collaboration role
- Wishlist, Reminders, and periodic Reports
Planned
- AI Coach — a conversational assistant scoped to your own data, still gated on a provider decision.
Join the waitlist
Semeara is in closed beta. Leave your email and we'll reach out when there's room.
Here's what happens next: you join the list, we review requests in order, and you get an invite by email when there's room.