The loop · 02 · Track

Know exactly where you stand: and whether you're ahead.

Log your balances and Perfingo keeps a running pulse of your net worth, comparing it month by month against the very plan you built. Prices sync when you refresh, no more wondering if you're on course.

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Your monthly pulse

One number, honest about the gap.

Your investments are valued at the latest price sync; cash and CPF come from your latest snapshot. Two deltas tell the whole story: how you moved this month, and whether you're running ahead of, or behind, your projection.

Your whole net worthCash, CPF (OA/SA/MA), investments and property: one figure, refreshed on every sync.

This month & vs planTwo deltas: how you moved this month, and whether you're ahead of projection.

Prices sync when you refreshValues update when you refresh, no streaming ticker to obsess over.

Tracking · this month

Synced 2h ago

S$195,000

S$3,200 this monthS$9k vs plan · ahead

CashS$45,000

InvestmentsSynced 2h agoS$97,000

CPF · OA/SA/MAS$62,000

Liabilities−S$9,000

TrackedPlan

Goal-funding pace

Every goal shows what's set aside, and whether it's on time.

Your plan doesn't just live in the future. Each goal carries a funding target, and Track shows how close you are, month by month, so nothing sneaks up on you.

BTO down paymentin 8 months

S$34,000 of S$40,000

✓ On pace

Emergency fund6-month floor

S$28,500 of S$30,000

✓ Nearly there

Home renovationin 3 months

S$41,000 of S$60,000

! Behind pace

The monthly check-in

Close the month in about two minutes.

Once a month, Track walks you through a short full-screen ritual: import, review, update, verdict. You only look at what needs a decision, everything else closes itself.

Import your statementDrop in the month's PDF and the check-in opens full-screen, one step at a time.

Review exceptions onlyPossible duplicates, uncategorised transactions and anything unusually large. You never re-read the whole month.

Update balances, get a verdictConfirm what changed and the month closes with an honest verdict: on track, quiet month, or one issue worth a look.

No guilt mechanicsMiss a month and it's simply skipped, no streaks, no backfill debt. Every step along the way is skippable, too.

On your phone, the same loop lives in a five-tab dock, with a quick-capture pill for logging a spend in seconds.

Monthly check-in · Jun 2026

Import statementdbs-statement-2026-06.pdf · 84 transactions in

Done

Review exceptions2 possible duplicates · 1 uncategorised · 1 unusually large

4 to review

Update balancesCash & CPF: carried over if nothing changed

Skippable

Verdicton track · quiet month · one issue to look at

✓ On track this monthEvery step skippable · about two minutes

Life changed? Replan. Re-anchor your plan to today (new salary, new flat, new priorities), and leave an optional decision-log note your household can see, so future-you knows why the plan moved.

Keep going

The rest of the loop

Track is one surface of four. Together they turn a plan into a living picture.

01 · Plan

See where you stand: today.

Build your plan once, then watch your real net worth meet it, month after month.

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