The net worth spreadsheet you’ve outgrown
Quantive is a net worth tracker that replaces the spreadsheet you keep across brokers, banks and 14 currencies. Import it or type in balances once a month. It never asks for your bank login.
Illustrative portfolio
| Source | Held in | Value |
|---|---|---|
| Savings account | EUR | €16,340 |
| ETF World | USD | €34,494 |
| ETF bonds | EUR | €11,253 |
| Crypto (BTC) | EUR | €10,951 |
| Real estate fund | EUR | €23,972 |
| Pension plan | GBP | €35,355 |
| Net worth−€1,690 this month | €132,365 | |
The spreadsheet jobs Quantive takes over
Record each account, asset and liability once. Quantive rolls them into one net worth across sources and currencies, and the charts update as you add entries.
In a spreadsheet: Last year's balances converted at today's exchange rate.
In Quantive: Each month valued at the exchange rate of its own date.
In a spreadsheet: One tab per year, held together by formulas.
In Quantive: Your entries on one timeline, with the change month by month.
In a spreadsheet: A pie chart you rebuild every quarter.
In Quantive: Allocation by liquidity and volatility, recalculated when you save.
In a spreadsheet: A growth rate you guessed once.
In Quantive: A projection with a range drawn from your own history.Pro
In a spreadsheet: A year-end summary you assemble by hand.
In Quantive: A one-page PDF report for you or your adviser.Pro
In a spreadsheet: A file on one laptop.
In Quantive: The same dashboard in any browser, including your phone's.
Set up once, then update monthly
Add your balances once
Import your spreadsheet or type balances in. Your history comes with it, and the dashboard needs no configuring.
Add an entry each month
Type in your latest balances. Net worth, allocation and the forecast update when you save.
For people who keep their own records
Quantive suits you if
- You hold accounts across several brokers, banks and currencies, and want one total across all of them.
- You'd rather enter balances once a month than connect a bank to an aggregator.
- You want a clean year-by-year record of your wealth, for yourself or an adviser.
- You share finances with a partner and want one record you both update, with each personal portfolio kept private.
- You've outgrown a hand-built spreadsheet but want to keep its history.
Look elsewhere if
- You want automatic bank sync and transaction feeds.Quantive never connects to your bank, by design.
- You're after a budgeting app to categorise spending.Quantive tracks wealth, not spending.
- You want to run it on your own server.A self-hosted, open-source tracker will suit you better.
- You need day-trading dashboards or live prices.
We store your net worth. We can’t read it.
Balances are encrypted in your browser with a key only you can unlock, so our servers only ever hold ciphertext. A portfolio you share on the Family plan can also be read by your partner, and no one else. The remaining trust is in the code we serve, which is why the cryptography is open source and the threat model is public. Quantive has no ads and sells no data, and every plan can export all of your data as CSV.
In your browser
€132,365
One of the entries behind that number, as the app stores it:
{"date":"2026-09-01T00:00:00.000Z",data key unlocked by your password (Argon2id)
What our database stores
- nonce · 24 bytes, random per save
- fda4b8b72870e21c 1ebae4a0f26354ff 45fd846168a2caa1
- ciphertext · 98 bytes, as long as your data
- f490dbf7e73ec738 862e4e1fb58884b1 7516d055055ce118 512c4ff79d46d82b 774f19e1f7a39840 35029873f4ce1d09 eefdfc9ff936f9e6 4bc6b2e4b726168e f23cc5023ddb9803 0975e91c97c66deb 1312c4853270733d c7da95c279855ede 9e02
- tag · 16 bytes, fails if anything changes
- d17fa4ff8fabf2cb c16a900df9a04531
Verify it yourself
These bytes are real output of the app's encryption module, made with a throwaway key published here on purpose. The authenticated data binds the ciphertext to one account ID, so the same bytes fail to decrypt anywhere else. Decrypt them with libsodium:
import sodium from 'libsodium-wrappers-sumo';
await sodium.ready;
const hex = sodium.from_hex;
const key = hex('da754ab01b7d04f8c9093c3fe7b2d7b0d4c2b2bf4c40802c4d5f5946f54942b0');
const nonce = hex('fda4b8b72870e21c1ebae4a0f26354ff45fd846168a2caa1');
// "nwa-snap-v1" ‖ 0x00 ‖ account id ‖ encryption version (u32, little-endian)
const aad = new Uint8Array([...sodium.from_string('nwa-snap-v1'), 0,
...hex('0d3e0d3e000040008000000000000001'), 1, 0, 0, 0]);
const ciphertext = hex('f490dbf7e73ec738862e4e1fb58884b17516d055055ce118512c4ff79d46d82b774f19e1f7a3984035029873f4ce1d09eefdfc9ff936f9e64bc6b2e4b726168ef23cc5023ddb98030975e91c97c66deb1312c4853270733dc7da95c279855ede9e02d17fa4ff8fabf2cbc16a900df9a04531');
sodium.to_string(sodium.crypto_aead_xchacha20poly1305_ietf_decrypt(
null, ciphertext, aad, nonce, key));Every finance app I tried either wanted my bank login or wanted to monetise my data. I keep my own numbers, and I just wanted something simple: to see them charted properly and kept private.
€0 forever, or from €90 a year
The free plan has no time limit. Pro is for one person; Family is Pro for two people, plus portfolios you can share.
Free
€0forever
No credit card required.
- Tracking
- Net worth tracking with unlimited sources
- Allocation by volatility and liquidity
- Multi-currency display (14 currencies)
- Spreadsheet import
- Manual balance entry
- Rolling 12-month history view
- Privacy and control
- End-to-end encrypted: only you can read your data
- Privacy mode to blur sensitive numbers
- CSV export of all your entries, at any time
- Delete your account and data at any time
Pro
€90a year
About €7.50 a month, or €9 billed monthly.
- History and forecast
- Every month since your first entry, as charts and a table
- Forecast 1, 3 or 5 years out, with a range from your own history
- Milestones and goals
- Benchmark comparison (S&P 500 and inflation)
- Month-by-month summary table
- Export and support
- Excel workbook export
- One-page PDF report for you or your adviser
- Priority support (24h response)
Family
€120a year
For two people. About €10 a month, or €14 billed monthly.
- Pro for two
- Everything in Pro, for you and one partner
- Separate accounts: each personal portfolio stays private
- Shared portfolios
- Up to five portfolios besides your personal one
- Share any of them with your partner; you both add entries and goals
- End-to-end encrypted: only the two of you can read a shared portfolio
- Restore any of the last 20 saved versions
Free shows your last 12 months. Pro opens every month since your first entry, plus the full forecast and the PDF report; Family gives the same to two people. Older entries are kept on Free either way.
All prices final. No VAT charged under German legislation (§ 19 UStG).
Common questions
Something else? Email [email protected].
Start with one entry
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