What goes into it
Cash and accounts, crypto, stocks, ETFs, funds, commodities, property, vehicles and pension plans. On the other side, mortgages, loans and cards. One number out, with the time it was priced.
Net worth tracker app
Your net worth, tracked in real time
Net worth is what you own minus what you owe. Simple until your money lives in five different places. Fider adds it up, tells you when it priced each piece and keeps the curve so you can see whether you are getting ahead.
| What | Where the value comes from | How often |
|---|---|---|
| Accounts and cash | The balance you enter, import by CSV or upload in a statement | When you update it |
| Crypto | Market price (CoinGecko) | Every ten minutes |
| Stocks, ETFs and commodities | Market quote | Every fifteen minutes |
| Funds | Net asset value | Daily |
| Other currencies | Exchange rate into your base currency | Every hour |
| Property, vehicles and pension plans | Manual valuation, with its date | Whenever you decide |
| Mortgage, loans and cards | Outstanding balance | When you update it |
Why real time matters
Crypto refreshes every ten minutes, stocks and ETFs every fifteen and funds daily. Each asset shows when it was priced, so an old figure never passes for a fresh one. If a price provider fails, you see the last known price and how old it is, never a zero.
Tracking net worth, not just calculating it
Calculating it once is a curiosity. Fider stores a snapshot every day and draws the curve over one month, three months, a year or all time. That is where you see whether a mortgage repayment, a quarter you did not set aside for or a falling coin moved the number, and in which direction.
Per wallet or consolidated
Look at personal only, at your freelance work only, at your company only, or any combination. Same net worth, seen from wherever you need it, and the way to know whether what is growing is your life or your business.
How it is calculated
Net worth is assets minus liabilities, valued at the same moment. Fider adds every position at its latest known price, subtracts every debt at its outstanding balance and stores a snapshot every day, so you see the curve and not just today's number.
- Assets: accounts, cash, crypto, stocks, ETFs, funds, property, vehicles and pension plans.
- Liabilities: mortgage, loans, financing and outstanding card balances.
- Every asset carries its valuation time; property is valued by hand and Fider remembers when you did it.
Wealth tracking without a wealth manager or private bank
A wealth manager runs other people's money for a fee and usually asks for a minimum to get in. Fider runs nothing and recommends no products: it gives you the number, the curve and the split by asset class so you decide, alone or with your advisor, on today's data rather than last quarter's report.
Why it beats watching your bank balance
The balance tells you what you can spend this week. Net worth tells you whether you are getting better or worse off. A month where the account drops because you repaid mortgage is a good month for net worth, and you only see that if you subtract the debt.
What to do when the number does not grow
It is almost always one of three things: spending that slipped in unrecorded, an asset that fell in price, or new debt. The per-wallet view isolates it: if personal rises and freelance falls, the problem is a quarter you did not set aside for, not your lifestyle.
Free to start, PRO for the history
The free plan computes your current net worth with up to three assets valued at the day close, with no expiry and CSV export. PRO, at 4.99 € a month or 39.99 € a year, adds unlimited assets with live pricing, history with no cap and several wallets at once. If you cancel, your data stays.
Frequently asked questions
What is net worth?
Everything you own at market value minus everything you owe. Positive means you own more than you owe; negative means the opposite. It is the one figure that sums up your financial position.
How is net worth calculated?
Add the market value of everything you own and subtract the outstanding balance of everything you owe. What matters is valuing it all at the same date and keeping that date next to the number, so you can compare with next month.
Do I need to connect my bank?
No. You can enter balances by hand, import a CSV or upload a PDF statement. Investments and crypto are priced automatically from market data.
How often is it updated?
Crypto every ten minutes, stocks and ETFs every fifteen, funds daily and currencies every hour, always with the valuation time visible. Property, vehicles and pension plans are valued by hand whenever you decide.
Can I include my home and the mortgage?
Yes. The home goes in whole as an asset at market value, with the date you valued it, and the mortgage goes in whole as a debt at its outstanding balance. Fider subtracts them for you; never net them before recording them.
Does a pension plan count?
Yes, as an asset, at the value on your provider's statement. In Fider it is added by hand as its own asset type and updated whenever you like.
What is the difference between a net worth app and an expense tracker?
The expense tracker looks at the month: what came in and where it went. The net worth app looks at the balance sheet: what you own minus what you owe and how it evolves. Fider does both on the same data.
Is it safe to put my financial data in an app?
Data is encrypted in transit and at rest, on servers in the European Union under the GDPR, and every row is isolated at the database level. Fider never asks for your bank credentials. You can export everything as CSV and delete the account whenever you want.
Is an app better than a spreadsheet for tracking net worth?
A spreadsheet works as long as you maintain it. What breaks over time is the price of each asset and the snapshot of each month. An app updates and stores them on its own. If your net worth is two accounts and one fund, a spreadsheet is plenty; if there is crypto, equities, a home and debt, it is not.
Is it free?
Your current net worth is free, with up to three assets valued at the day close. The PRO plan adds live prices, unlimited assets and unlimited history.
Start today. Your first allocation takes two minutes.
Free, no card and no bank connection.
Create a free account