Track your net worth without handing over your bank login
Net worth is everything you own minus everything you owe. In Tavala it is the top card of the Money tab: every wallet, savings goal and debt you track, in whatever currency each is held, added up in your main currency at today's rate. You type the balances, or update them when they change. A bank connection is optional, for banks in the United States and Canada.
Dollar and bitcoin values at example rates.
Assets and liabilities, by what each wallet is
Cash, bank, card and e-wallet balances, savings goals and money you lent are assets; debts are liabilities. A negative net worth is shown as a plain minus, not as a warning.
Every currency, at today's rate
Each wallet keeps its own currency. Net worth converts them into your main currency at today's rate every time you look, and says "at today's rate" under the figure when they span more than one currency.
Balances move, entries do not
Net worth uses today's rate because it says what your money is worth now. Spending and budgets keep the rate of the day you paid, so a currency move never rewrites last month.
Crypto beside cash
A coin wallet is updated by hand and valued at today's price from CoinGecko, refreshed every six hours. A wallet with no rate yet is left out of the total and named, never guessed.
Debts that count down
Every debt is a liability with its own payoff date, and the payoff planner shows the month you are debt-free. As you pay, net worth rises by what the debt falls.
What counts, and at which rate
Net worth on the Money tab is assets minus liabilities in your main currency. Assets are every wallet that is not a debt: cash, bank, card and e-wallet balances, savings goals and money you lent, plus investment accounts that follow a connected bank. Liabilities are your debts. Archived wallets count in neither.
Balances are converted at today's rate every time you look, which is the honest number for what you own now; spending and budgets keep the rate of the day you paid. When your wallets span more than one currency, "at today's rate" sits under the figure, and each foreign group of wallets shows its subtotal and its value in your totals, for example USD · $500.00 · ≈ €455.00 in totals.
Private by default
Every balance can be typed and kept current by hand, with Update balance when reality and Tavala differ. No account, no bank and no aggregator is needed for any of it. Hidden amounts turn the figures into dots on screen, and the app lock covers the app in the app switcher, for the moments a net worth is nobody else's business.
What it does not do yet
There is no chart of net worth over time; each wallet's own register has a line of its balance over 1M, 3M, 6M, 1Y and All. There is no property, vehicle or manually tracked investment type: an investment wallet exists only through a bank connection in the United States or Canada, where it is tracked by balance, without holdings. If your net worth is mostly a house and a pension abroad, Tavala will hold the debts and the cash around them, and the rest belongs in a note or a spreadsheet for now.
A net worth in three currencies
The Money tab above, line by line. Main currency EUR; the dollar and bitcoin values are at example rates.
| Wallet | Held in | In totals |
|---|---|---|
| Current account and cashSpending | €4,210.00 | €4,210.00 |
| Dollar accountSpending | $2,500.00 | €2,306.251 USD = 0.9225 EUR (example) |
| BitcoinSpending, updated by hand | 0.05 BTC | €3,000.001 BTC = €60,000 (example) |
| Emergency fundSavings goal | €6,000.00 | €6,000.00 |
| Car loanDebt | -€7,900.00 | -€7,900.00 |
| Net worth | €7,616.25 |
Net worth in other apps
Whether each app needs a bank connection to track net worth, and how it handles a second currency.
| What | Tavala | Monarch | Copilot | YNAB |
|---|---|---|---|---|
| Bank connections | Optional add-onBanks in the United States and Canada, through Plaid, $3.99 a month per bank | Included, at the coreUS and Canada only, 13,000+ institutions | Included, at the coreUS-based accounts only, through Plaid and Finicity | IncludedSelect banks in the US, Canada and 18 European countries, UK included |
| Currencies | Every currency in one space155 currencies and 96 cryptocurrencies; 2 per space on the free plan | No conversionShows every amount as $; USD or CAD accounts advised | USD only"does not convert foreign currency transactions" | One per planIts advice for several: a separate plan for each |
| Platforms | iPhone, iPad, Android, Mac, webA native Mac app; the web at app.tavala.io | iPhone, iPad, Android, webNo Mac or Windows app | iPhone, iPad, Mac, webA native Mac app; no Android | iPhone, iPad, Android, webApple Watch; its app list shows no desktop app |
| Price | Free; Plus $39.99 a yearor $6.99 a month on the web | $99.99 a yearor $14.99 a month (Core); Plus $199.99 a year | $95 a year$13 a month in the App Store; 1-month trial | $109 a yearor $14.99 a month; 34-day trial |
Questions about net worth
- Does Tavala chart my net worth over time?
- Not yet. The Money tab shows net worth today, and each wallet's register has a line of its balance over time (1M to All). A chart of the total over time is not built.
- Can I add my house or a brokerage account by hand?
- Not as an asset of its own. Tavala tracks wallets, savings goals, money you lent and debts by hand; investment accounts are tracked by balance through a bank connection in the United States and Canada. There is no property or vehicle type.
- Is net worth free?
- Yes. The Money tab and net worth are the same on every plan. The free plan holds wallets in two currencies per space; Tavala Plus holds every currency.
- Why does my net worth change when I have not spent anything?
- Because foreign balances are worth more or less in your main currency as rates move, and coins as their price moves. Your spending does not change; the value of what you hold does.
Go further
- Debt payoffThe liabilities, and the month they are gone.
- Net worth calculatorAssets and debts in any currency, against the median for your age.
- Multi-currencyWhy balances use today's rate and entries do not.
- Private by designWhere the numbers live, and who can see them.
- The Money tab and your net worthThe Money tab shows your net worth, this month's Money in and Money out, and every wallet, goal, debt and loan. See how each figure is worked out.
- Wallet types and what each one counts towardCash, Bank, Card and E-wallet are spending wallets. Savings goals, debts, money you lent and investments are separate kinds with their own rules.
Also in Tavala
- Ask Tavala AI AgentQuestions answered from your ledger, and changes you confirm.
- Multi-currencyThe rate from the day you paid, kept on every entry.
- Offline-first and privateEvery screen works with no connection and no account.
- Shared spacesOne ledger for up to six people, each on their own phone.
- Budgets, bills and forecastWhat is left, and what is safe to spend before pay day.
- Debt payoffSnowball or avalanche, and the month you are debt-free.
- Bank sync (US and Canada)Read-only import from US and Canadian banks, through Plaid.
- Trips and projectsA trip or a project kept apart from everyday spending.
Start with what you spent today.
There is no account to create and no card to enter. Pick your currency, add what you paid, and Home shows what is left.