One place for your family's records
Wholekin
Cheaper than the first hour of an avoidable problem.
Wholekin keeps your family's documents, accounts, people, and reminders ready to find. Compared to a missed renewal, a fund fee you didn't catch, or an hour of a lawyer's time — the subscription is small.
The math, simply
One working week of a lawyer pays for 8 years of Wholekin.
Family Plus is €29 per month — €348 per year. One working week (40 h) of a lawyer at the BLS mean-wage benchmark of €66.06/hour is €2,643 — enough to cover Family Plus for years.
One place for accounts, documents, people, ownership, and renewals.
Bring your advisor into the right records — no more emailing PDFs back and forth.
Reminders that surface before a renewal or deadline becomes urgent.
Easy export when you need to hand things over to a lawyer or accountant.
What it costs vs what you'd otherwise pay
The subscription is small next to what professionals charge.
Lawyers, accountants, and advisors do valuable work. Wholekin just means they aren't billing you to find your documents first.
A whole year of Wholekin vs one working week of professional time
Wholekin rows show annual subscription cost. Professional rows show one working week (5 days × 8 hours) at the BLS May 2024 mean wage benchmark, converted to EUR. All bars are directly comparable.
Wholekin Family — a whole year
Shared place for your household's documents, people, reminders, and 500 records.
€108 /yr
Wholekin pricing
Wholekin Family Plus — a whole year
Adds advisor access, history of changes, multiple households, and 2,500 records.
€348 /yr
Wholekin pricing
One working week of a management analyst
5 working days (40 h) at the BLS May 2024 mean wage benchmark of €44.23/hour.
€1,769 / week
U.S. Bureau of Labor Statistics
One working week of a personal financial advisor
5 working days (40 h) at the BLS May 2024 mean wage benchmark of €44.65/hour.
€1,786 / week
U.S. Bureau of Labor Statistics
One working week of a lawyer
5 working days (40 h) at the BLS May 2024 mean wage benchmark of €66.06/hour.
€2,643 / week
U.S. Bureau of Labor Statistics
Subscription vs scattered admin
The real comparison isn't the subscription — it's what you pay when you don't have one.
Wholekin isn't another place to dump files. It's the home for your family's records, so future questions don't start with a frantic search.
For one household
Get everything in one place
€108 /yr
Family takes everything that's currently scattered — documents, accounts, people, reminders — and puts it in one shared place.
- A whole year of Family costs less than 2 hours of a lawyer's time.
- About the cost of a takeaway dinner per month — and the whole household can find what they need.
Most families pick this
Spend less time prepping for the advisor
€348 /yr
Family Plus lets you bring in advisors with the right access, keep history of changes, and ask Whoki for help across multiple households.
- One working week of a lawyer pays for roughly seven years of Family Plus.
- Advisors aren't there to dig through your records — stop paying them to.
For larger setups
Have someone in your corner
€29,988 /yr
Family Office adds onboarding help, integrations, and a real person on call — for families with staff, advisors, and a lot to keep on top of.
- Far less than a part-time hire or a one-off cleanup project.
- A long-term home for the family's records, not another short-term tool.
With Wholekin
€348/ year
Wholekin Family Plus subscription
One predictable line item for the whole household.
€348
Records, deadlines, and people in one place
Your advisor shows up to actual work, not to detective work.
Included
History of changes and exports
Handing things over to a lawyer or accountant takes minutes, not days.
Included
Without Wholekin
€1,687/ year
5 hours of lawyer prep / year
Getting them up to speed before they start the real work.
€330
8 hours of advisor coordination / year
Chasing down accounts, documents, and answers to basic questions.
€357
1% in fund fees you didn't notice on a €100k portfolio
A small drag families pay every year without realising.
€1,000
Five years of cost, compounded
Wholekin Family Plus stays a flat, predictable line. Reactive household admin tends to compound — a missed deadline here, an avoidable fee there, a few more advisor hours every year.
Wholekin Family Plus subscription
5-year total: €1,740
~10 hours of professional cleanup each year
5-year total: €3,303
Scattered admin with one avoidable miss per year
5-year total: €9,500
Small misses add up
Late fees, missed renewals, and fees nobody noticed.
It's rarely one big disaster. It's a slow accumulation of small avoidable misses: a late payment, a forgotten renewal, an account no one tracked, a fund fee that quietly ate into returns.
0.5%/mo
Payment deadlines still matter when filing is extended
The IRS says failure-to-pay penalties can accrue monthly, and an extension to file does not extend the time to pay tax owed.
Daily
Interest can keep increasing the balance
IRS underpayment interest generally starts from the due date and continues until the balance is paid in full, including after an extension.
2% to 5%
Investment fees are easy to miss in fragmented records
FINRA notes front-end mutual fund loads can commonly range from 2% to 5%, and that expense ratios, 12b-1 fees, breakpoints, and waivers can affect returns.
Better meetings with your advisor
Let your professionals do real work, not detective work.
A lawyer should be reading the case. A financial advisor should be looking at the portfolio. An accountant should be filing the return. Wholekin keeps the background ready so they're not billing you to figure out what you have.
See what's includedBefore a consultant
Show them what's currently in place, who owns what, and what's outstanding — instead of paying them to ask.
Before a financial advisor
Accounts, beneficiaries, and documents in one view — across everyone in the family.
Before a lawyer
Hand them clean facts, supporting files, and the family setup. Their time starts on the actual question.
Before a deadline
Reminders that surface ahead of time — not after the date has already passed.
Sources
Grounded in official benchmarks and investor education.
Wage, penalty, interest, and fee figures come from official U.S. agencies and investor education bodies. Professional billing rates in practice are usually higher than the mean-wage benchmarks shown here.
U.S. Bureau of Labor Statistics
Lawyers, Occupational Employment and Wage Statistics
May 2024 mean wage benchmark: $151,160/year and $72.67/hour.
U.S. Bureau of Labor Statistics
Management Analysts, Occupational Employment and Wage Statistics
May 2024 mean wage benchmark: $101,190/year and $48.65/hour.
U.S. Bureau of Labor Statistics
Personal Financial Advisors, Occupational Employment and Wage Statistics
May 2024 mean wage benchmark: $102,140/year and $49.11/hour.
Internal Revenue Service
Penalties and interest
Penalties can apply for late filing, late payment, and inaccurate returns; interest can accrue until paid.
Internal Revenue Service
Get an extension to file your tax return
An extension can give more time to file, but tax owed is still due by the filing date.
FINRA
Mutual fund fees and expenses
FINRA explains loads, 12b-1 fees, expense ratios, breakpoints, and waivers that can affect investor returns.
A fair price for something that lasts
Get organized before something urgent forces it.
Start your workspace today. Add advisors, history, and dedicated support whenever the family needs more.