Personal · Private · Cloud
Saving Tracker
One private notebook for your whole Israeli savings picture — funds, pension, RSU, ESPP, and cash.
gemelnet · pensia-net
Yahoo Finance
Gemini AI chat
EN / עברית
The question
“How much will I actually have?”
Your money is scattered across a provident fund, a pension, an RSU grant, an ESPP, and a few bank accounts.
Answering it by hand means logging into data.gov.il, checking Yahoo for your stock,
guessing the FX rate, and stitching it together in a spreadsheet — every single time.
The problem
The data never sits in one place
🗂️
Scattered sources
Fund yields on data.gov.il, pension on pensia-net, stock + FX on Yahoo, cash in the bank.
📉
No forward view
Statements show the past. Nothing projects your whole net worth forward.
🧮
Confusing rules
Vesting cadence, ESPP lookback, pension vs lump-sum — easy to get wrong.
🔁
Manual, every time
Re-doing the same spreadsheet math whenever a balance changes.
Saving Tracker
One private notebook that pulls live data and projects forward
Enter each holding once. It syncs published fund yields and live stock/FX prices,
compounds everything forward, and shows a single net-worth picture — with an AI assistant on the side.
Auto-synced daily
What-if projections
Password protected
How it works
Architecture
data.gov.il
gemelnet · pensia-net yields
Yahoo Finance
stock price · USD/ILS
↓
API · Render
Python · sync + projections
→
Neon Postgres
your holdings + cache
↓
Frontend · Cloudflare Pages
vanilla HTML/JS · dashboard + AI chat
A daily cron sync refreshes yields and prices, then emails a portfolio insight.
Dashboard
Your whole net worth, forward
- Total wealth across funds, RSU, ESPP, and cash
- Stacked projection chart from today through your horizon
- What-if growth % applied to funds; cash/RSU/ESPP held flat
- Horizon chips (6m–120m) and draggable date range
Funds & Pension
Live gemelnet yields
- Provident, study & savings policies from data.gov.il
- Anchor balance + published MONTHLY_YIELD compounded forward
- Recurring employee/employer contributions
- Pension tracked separately — excluded from the spendable total
Equity
RSU & ESPP, priced live
- Vesting schedule (cliff + monthly/quarterly cadence)
- Live stock price × current USD/ILS = held value
- Realized vs unrealized gain from dated sales
- ESPP discount capture + lookback bonus
Retirement simulator
Pension vs lump-sum
- Simplified 2026 Israeli withdrawal rules
- Compares four paths: full annuity, max lump-sum, custom, and cashing משלימה
- Standalone what-if — nothing is saved to your account
Signature feature
Ask your portfolio anything
- Google Gemini assistant in a right-side dock
- Grounded in a summary of your real holdings
- Runs the same projection engine for “profit by date” questions
- “Where am I concentrated?” · “Project to May 2030 @ 8%”
More
Always current, in your language
✉️
Daily insight emails
Every successful sync sends a dashboard snapshot plus AI-written insights.
🌐
English & עברית
One-tap language toggle with full right-to-left Hebrew layout.
🌗
Light & dark
Theme that follows your device, or pin it. Colors carry into the deck.
Private · Free · Personal
Saving Tracker
See your whole savings picture — and where it's heading.
Personal, non-commercial software. Not financial, tax, or investment advice.
