Quantive is a net worth tracker for people who manage their own investments manually — across brokers, banks, pension accounts, real estate, crypto, or whatever else you hold. Enter your balances or import your existing spreadsheet, and Quantive shows your net worth, allocation, and forecast in one place. No bank logins, no transaction feeds, and everything is encrypted on your device before it reaches our servers.

Is Quantive free to use?

Yes. Core features are free forever with no credit card required. Pro is €9/month or €90/year and adds full history, CAGR forecasting, goals, benchmarks, a PDF wealth report, and Excel/CSV export.

How is Quantive different from a budgeting app?

Budgeting apps connect to your bank to categorise transactions. Quantive does neither: it tracks net worth and wealth over time from balances you enter or import, with no bank links and end-to-end encryption, so your financial data stays private to you.

Does Quantive connect to my bank?

No. Quantive never connects to your bank accounts or requests login credentials. You enter balances manually from the dashboard, or import them from an existing spreadsheet.

Can I import my existing spreadsheet?

Yes. Spreadsheet import is included in the free plan. Upload your existing spreadsheet and your historical balance data is preserved in Quantive.

Can I access my portfolio on my phone?

Yes. Quantive is a web app and works in any mobile browser — open it on your phone and your current net worth is right there. A native iOS and Android app is on the roadmap.

How does Quantive protect my financial data?

All data is encrypted on your device before it reaches Quantive's servers; the servers store only ciphertext, and only you hold the decryption key. The remaining trust is in the code we serve, as with any encrypted web app; the security page documents the full threat model.

Can I self-host Quantive, or is it open source?

The cryptography is open source (MIT) and the rest of the code is source-available, so you can read exactly how your data is encrypted before you trust it. Quantive itself is hosted rather than self-hostable: we run the servers so there's nothing to maintain, and because your data is encrypted in your browser first, those servers only ever hold ciphertext. If your priority is keeping data entirely on your own machine or running your own server, a local-first open-source desktop tracker will suit you better. What Quantive offers instead is zero setup, cross-device access from any browser, and a server that still can't read your finances.

What currencies does Quantive support?

Quantive supports multiple display currencies including EUR, USD, GBP, JPY, CHF, and more. You can hold assets in any of them and view your full portfolio in your preferred currency.

What's included in Quantive Pro?

Pro adds full history across all snapshots, CAGR forecasting with 95% confidence bands, milestone and goal tracking, benchmark comparisons (S&P 500 and inflation; MSCI World is on the roadmap), a month-by-month summary table, a PDF wealth report, and Excel and CSV export. Priority support is included.

What if I lose access to my account?

During cloud sync setup, Quantive issues a 24-word recovery phrase (BIP-39 mnemonic). Storing it safely lets you recover your encrypted data even if you lose account access.

Terms of Service - Quantive

Last updated: May 28, 2026

1. Acceptance of Terms

By creating an account or using Quantive ("the Service"), you agree to be bound by these Terms of Service. If you do not agree, please do not use the Service.

2. Description of Service

Quantive is a personal finance dashboard that allows you to upload, visualise, and track your portfolio data over time. The Service is provided "as is" and is intended for personal, informational use only.

3. User Accounts

You must provide a valid email address to create an account.
You are responsible for maintaining the security of your account credentials.
You must not share your account with others or create multiple accounts.

4. Acceptable Use

You agree not to:

Use the Service for any unlawful purpose
Attempt to gain unauthorised access to other users' data
Upload malicious files or attempt to exploit the Service
Reverse-engineer, scrape, or redistribute the Service

5. Subscriptions & Payments

The Service offers a free tier and a paid Pro tier. Pro subscriptions are billed monthly or annually via Stripe. You can cancel at any time; access continues until the end of your billing period.

We reserve the right to change pricing with 30 days' notice. Refunds are handled on a case-by-case basis.

6. Right of Withdrawal (Widerrufsrecht)

If you are a consumer within the European Union, you have the right to withdraw from this contract within 14 days without giving any reason. The withdrawal period begins on the date your subscription is confirmed.

Waiver of the right of withdrawal for digital services: By completing your subscription purchase, you expressly request that we begin providing the Service immediately. You acknowledge that you thereby lose your right of withdrawal once performance of the Service has begun.

If you wish to exercise your right of withdrawal before the Service has started, notify us in writing at [email protected] within the 14-day period. Upon a valid withdrawal, we will refund all payments received from you without undue delay.

Widerrufsbelehrung (statutory model — German, legally binding)

Widerrufsrecht. Sie haben das Recht, binnen vierzehn Tagen ohne Angabe von Gründen diesen Vertrag zu widerrufen. Die Widerrufsfrist beträgt vierzehn Tage ab dem Tag des Vertragsabschlusses.

Um Ihr Widerrufsrecht auszuüben, müssen Sie uns (Pedro Miguel Lima de Sousa Reis, Lützowstraße 31, 40476 Düsseldorf, Deutschland, [email protected]) mittels einer eindeutigen Erklärung (z. B. ein mit der Post versandter Brief oder eine E-Mail) über Ihren Entschluss, diesen Vertrag zu widerrufen, informieren. Sie können dafür das nachstehende Muster-Widerrufsformular verwenden, das jedoch nicht vorgeschrieben ist.

Zur Wahrung der Widerrufsfrist reicht es aus, dass Sie die Mitteilung über die Ausübung des Widerrufsrechts vor Ablauf der Widerrufsfrist absenden.

Folgen des Widerrufs. Wenn Sie diesen Vertrag widerrufen, haben wir Ihnen alle Zahlungen, die wir von Ihnen erhalten haben, unverzüglich und spätestens binnen vierzehn Tagen ab dem Tag zurückzuzahlen, an dem die Mitteilung über Ihren Widerruf dieses Vertrags bei uns eingegangen ist. Für diese Rückzahlung verwenden wir dasselbe Zahlungsmittel, das Sie bei der ursprünglichen Transaktion eingesetzt haben, es sei denn, mit Ihnen wurde ausdrücklich etwas anderes vereinbart; in keinem Fall werden Ihnen wegen dieser Rückzahlung Entgelte berechnet.

Withdrawal instructions (non-binding English translation)

You have the right to withdraw from this contract within 14 days without giving any reason. The withdrawal period is 14 days from the day on which the contract is concluded.

To exercise your right of withdrawal, you must inform us (Pedro Miguel Lima de Sousa Reis, Lützowstraße 31, 40476 Düsseldorf, Germany, [email protected]) by a clear statement (for example, a letter sent by post or an email) of your decision to withdraw from this contract. You may use the model withdrawal form below, but it is not mandatory.

To meet the withdrawal deadline, it is sufficient that you send your communication concerning the exercise of the right of withdrawal before the withdrawal period has expired.

Consequences of withdrawal. If you withdraw from this contract, we will reimburse all payments received from you without undue delay and no later than 14 days from the day on which we are informed of your decision. We will use the same means of payment that you used for the original transaction, unless expressly agreed otherwise; in no case will you be charged any fees for this reimbursement.

Muster-Widerrufsformular (German, legally binding)

(Wenn Sie den Vertrag widerrufen wollen, dann füllen Sie bitte dieses Formular aus und senden Sie es zurück.)

— An Pedro Miguel Lima de Sousa Reis, Lützowstraße 31, 40476 Düsseldorf, Deutschland, [email protected]:

— Hiermit widerrufe(n) ich/wir () den von mir/uns () abgeschlossenen Vertrag über die Erbringung der folgenden Dienstleistung (*):

— Bestellt am () / erhalten am ():

— Name des/der Verbraucher(s):

— Anschrift des/der Verbraucher(s):

— Unterschrift des/der Verbraucher(s) (nur bei Mitteilung auf Papier):

— Datum:

(*) Unzutreffendes streichen.

Model withdrawal form (non-binding English translation)

(Complete and return this form only if you wish to withdraw from the contract.)

— To Pedro Miguel Lima de Sousa Reis, Lützowstraße 31, 40476 Düsseldorf, Germany, [email protected]:

— I/We () hereby give notice that I/we () withdraw from my/our () contract for the provision of the following service ():

— Ordered on () / received on ():

— Name of consumer(s):

— Address of consumer(s):

— Signature of consumer(s) (only if this form is notified on paper):

— Date:

(*) Delete as appropriate.

7. Data Ownership

You retain full ownership of your portfolio data. We do not claim any rights over your uploaded content. You can export or delete your data at any time.

8. Disclaimer

The Service is not financial advice. We do not provide investment recommendations. You are solely responsible for your financial decisions. The Service is provided without warranties of any kind, express or implied.

9. Limitation of Liability

To the maximum extent permitted by law, Quantive and its creators shall not be liable for any indirect, incidental, or consequential damages arising from your use of the Service.

10. Termination

We may suspend or terminate your account if you violate these terms. You may delete your account at any time. Upon termination, your data will be permanently removed.

11. Changes to These Terms

We may update these terms from time to time. Continued use of the Service after changes constitutes acceptance. We will notify you of material changes via email.

12. Governing Law

These terms are governed by the laws of the Federal Republic of Germany, excluding its conflict-of-law provisions. If you are a consumer in the EU, you also benefit from mandatory protections of your country of residence. The place of jurisdiction is Düsseldorf, Germany.

13. Consumer dispute resolution (§ 36 VSBG)

We are neither obliged nor willing to participate in alternative dispute resolution before a consumer arbitration board (Verbraucherschlichtungsstelle) under § 36 VSBG.

14. Contact

For questions about these Terms of Service, contact us at [email protected].