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Complete balance sheet
Track assets and liabilities that normal banking apps miss: property, vehicles, private investments, collectibles, cash, and debts.
Wealth Watcher for iPhone
Track your net worth in one private personal balance sheet
See everything you own and owe across currencies, asset classes, and time—even when your bank cannot sync it.
- ✓ Track property, vehicles, investments, crypto, collectibles, debts, and cash.
- ✓ See historical net worth, allocation, projections, and concentration risk.
- ✓ Use AI summaries to understand your portfolio, not to replace professional advice.
- ✓ European-first tracking, including Visegrád and Nordic currencies.
Manual-first tracking stays simple, transparent, and useful for assets banks cannot sync.
Example net worth
€98,400
Assets€124,400
Liabilities€26,000
Built for personal wealth tracking
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Historical trends and analysis
Visualize your financial journey with net-worth history, category allocation, performance tables, and monthly snapshots.
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AI portfolio assistant
Ask plain-language what-if questions and get concise, educational explanations based on your own portfolio data.
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Future scenarios
Model future net worth with expected returns, debt payoff assumptions, and optimistic or conservative scenarios.
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Security and data control
Private, ad-free tracking with authenticated access, local app locking, exportable data, and in-app account deletion.
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.
Cash
Bank accounts
Term deposits
Pensions
Life insurance
Stocks
Bonds
Real estate
Vehicles
Crypto
Art
Jewelry
Collectibles
ETFs
Private equity
From scattered assets to one view
1
Add what you own
Start with manual entries for assets, debts, values, currencies, and dates.
2
Watch net worth move
Use charts, categories, and projections to understand how your balance sheet changes.
3
Review monthly
Update stale values, export your data, and use AI summaries to spot questions worth investigating.
Security and data control
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Private by default
Portfolio records are scoped to your authenticated account and are not used for advertising.
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Device lock
A per-account PIN hash is held in secure device storage, with optional biometric unlock where supported.
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Your data, your choice
Export your portfolio or permanently delete your account and associated app data from inside the app.
Simple, transparent pricing
Free
€0/month
- ✓ Up to 5 active entries
- ✓ Basic dashboard
- ✓ Manual updates
- ✓ Portfolio export
Premium
Price 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.
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.
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.
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