Add what you own
Start with manual entries for assets, debts, values, currencies, and dates.
Net Worth Tracker for iPhone
Your wealth goes beyond your bank account
See everything you own and owe across currencies, asset classes, and time—even when your bank cannot sync it.
- Free plan
- No bank login
- No ads
01Track property, vehicles, investments, crypto, collectibles, debts, and cash.
02See historical net worth, allocation, projections, and concentration risk.
03Use AI summaries to understand your portfolio, not to replace professional advice.
04European-first tracking, including Visegrád and Nordic currencies.
Inside the app
See your whole financial picture
01 / 04
Complete balance sheet
Track assets and liabilities that normal banking apps miss: property, vehicles, private investments, collectibles, cash, and debts.
How it works
From scattered assets to one view
Watch net worth move
Use charts, categories, and projections to understand how your balance sheet changes.
Review monthly
Update stale values, export your data, and use AI summaries to spot questions worth investigating.
Features
Built for personal wealth tracking
Example net worth€98,000
Try an example portfolio
Move the third watch’s value. Collection totals and net worth update together. This local demo includes €115,000 in other assets and €26,000 in debt. FI funding starts with €15,000 cash and €10,000 investments. Nothing is saved.
Watch 1 €3,000Watch 2 €4,000
Collectibles€9,000
Selected FI funding€25,000
Assets€124,000
Liabilities€26,000
Complete balance sheet
Track assets and liabilities that normal banking apps miss: property, vehicles, private investments, collectibles, cash, and debts.
Historical trends and analysis
Visualize your financial journey with net-worth history, category allocation, performance tables, and monthly snapshots.
AI portfolio assistant
Ask plain-language what-if questions and get concise, educational explanations based on your own portfolio data.
Future scenarios
Model future net worth with expected returns, debt payoff assumptions, and optimistic or conservative scenarios.
Security and data control
Private, ad-free tracking with authenticated access, local app locking, exportable data, and in-app account deletion.
Financial independence
More than wealth. More freedom.
Available in the app
A career break. Earlier retirement. More choice over your time. Connect your wealth with the life you want through financial-independence planning.
Set your number
Turn your monthly spending into a personal target with an adjustable withdrawal-rate assumption.
Choose what funds it
Your home, car and collections count toward wealth—not automatically toward retirement funding. Choose which assets belong in your plan.
Explore your path
See how contributions, inflation and different return assumptions could change your progress in Analysis and your timeline in Potential.
One complete view
A clear home for every asset class
Keep property, pensions, loans, vehicles, stocks, crypto, art, jewelry, and collectibles in one personal balance sheet.
The app can suggest updated values where reliable data exists. You review every suggestion before it changes your history.
08Real estate
01Value Appreciation8/10
02Liquidity4/10
03Maintenance Cost7/10
04Volatility3/10
05Income Generation8/10
06Initial Investment9/10
07Risk6/10
08Mobility2/10
Security and data control
Private by default
Portfolio records are scoped to your authenticated account and are not used for advertising.
Device lock
A per-account PIN hash is held in secure device storage, with optional biometric unlock where supported.
Your data, your choice
Export your portfolio or permanently delete your account and associated app data from inside the app.
Pricing
Simple, transparent pricing
Free
€0/month
- Up to 5 active entries
- Basic dashboard
- Manual updates
- Portfolio export
Premium
Unlimited active entriesPrice shown in the app
- Unlimited active entries
- Portfolio AI chat
- Higher AI limits
No ads, no affiliate steering, and no selling your financial data. Any trial and renewal terms are shown by the Apple App Store before purchase.
Quick answers
Questions before you download
- Do I need to connect my bank?
- No. You enter balances and values yourself, so you never share bank logins. That also covers property, collections and private assets that no bank can sync.
- Is Wealth Watcher free?
- Yes. The free plan includes up to five active entries, a basic dashboard, manual updates and portfolio export. Premium adds unlimited entries, portfolio AI chat and higher AI limits. The App Store shows the price before you buy.
- Which devices does it work on?
- iPhone and iPad with iOS 15 or later. Wealth Watcher is not currently available on Android or the web.
- Can I track assets in different currencies?
- Yes. Each entry keeps its original currency, and the overview converts everything into the display currency you choose.
- What happens to my data?
- Your portfolio is stored in your own account and is never sold or used for advertising. AI features send data only after you allow it. You can export your portfolio or delete your account from inside the app.
Wealth Watcher for iPhone
Start your balance sheet today
Download Wealth Watcher for free, add what you own and owe, and see your net worth in one place.
Download on the App Store- Free plan
- No bank login
- No ads
Find your starting point
Track the wealth your banking app misses
Compare your options
Choose the tracker that fits your routine
Honest, source-linked comparisons for people deciding between manual balance sheets, connected budgets, and investment dashboards.
Free guide and template
Build your personal balance sheet in 30 minutes
Learn what counts as an asset or liability, calculate net worth consistently, and download a simple CSV you can keep forever.
Read the free guideQuick answers
- What is net worth?
- The current value of everything you own minus everything you owe.
- How often should you update it?
- Monthly is useful for active tracking; quarterly is enough for a slower-moving overview.
- Is it the same as a budget?
- No. A budget tracks income and spending; a balance sheet is a snapshot of assets, liabilities, and net worth.
Plan with clearer assumptions
Useful tools for your next money question
About Wealth Watcher
Built in Central Europe, Wealth Watcher helps people maintain a clear personal balance sheet across assets, debts, currencies, and time.
The product is designed for clear manual tracking, portable data, and decisions that remain under your control.
Product facts, developer and editorial policy
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