Nova is the closest thing to IOMI: multi-entity, read-only via Plaid, suggestions that cite their data — at $15/mo for one plan. IOMI costs more and does more: a Capital Efficiency Score that tells you how hard your capital works, physical assets and collectibles on the balance sheet, a deterministic simulator and projection, and a Business tab that keeps each entity its own compartment.
Nova Net Worth and IOMI agree on the premise: founders and operators need more than a budgeting app, and entities belong in the picture from day one. If you want the lightest multi-entity tracker at the lowest price, Nova is a serious option.
The difference is what happens after tracking. IOMI scores your capital efficiency on five factors, puts your watches, cars and collectibles next to your equities, and lets you simulate a reallocation or a planned cash-flow event on your own projection before you commit — with the math computed, never generated.
The comparison
| IOMI | Nova Net Worth | |
|---|---|---|
| Price | $29/mo Personal · $39/mo Business — annual billing brings Personal to about $24/mo | $15/mo, single plan |
| Business + personal entities | Native and unified, up to 3 business entities, each its own compartment | Multi-entity from day one |
| Intelligence layer | Capital Efficiency Score (liquidity, idle capital, drag, risk balance, concentration), Next Dollar Allocation, Goals, Projection | Agentic suggestions that cite the rows they used |
| Simulation | Deterministic simulator — reallocations and planned cash-flow events on your own projection | — |
| Asset coverage | Bank accounts, investments, crypto, real estate with live valuations, private equity, collectibles, vehicles, liabilities | Accounts and illiquid assets, auto-valued |
| AI on your live data | IOMI AI — chat grounded in your connected balance sheet | Suggestions with row-level citations |
| Institutions & security | 12,000+ institutions via Plaid, read-only; IOMI never sees your credentials | Read-only via Plaid; encryption in transit and at rest |
| Platforms | Web app — responsive on mobile | Web app |
| Free trial | 1 month free, no credit card | 14 days; no-signup demo |
Nova Net Worth pricing and features as published by the vendor, August 2026. Corrections: [email protected].
Why IOMI
- A score, not just a list. Nova tells you what you own and suggests moves. IOMI's Capital Efficiency Score measures how hard that capital works — five factors on your real holdings — and points at the one to fix first.
- Everything on the balance sheet. The watch, the car, the collection: IOMI tracks physical assets and collectibles alongside your equities and real estate, so your net worth is your whole net worth.
- Simulate before you commit. Reallocations and planned cash-flow events run through a deterministic engine on your own projection — numbers computed, never generated — before a dollar moves.
Keep comparing
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