The spreadsheet alternative for tracking your net worth.
If you track your money in Excel or Google Sheets, you already know the pain: stale prices, manual copy-paste from broker apps every month, fragile formulas, no real-estate value, no privacy. Holdings does the work for you — and unlike most net-worth apps, it needs no bank login.
Prices that update themselves
Every stock, ETF, bond and crypto is tracked live from Yahoo Finance. FX rates follow your display currency automatically. No copy-paste from broker apps, no stale spreadsheet cells.
Your bank stays out of it
Unlike Mint, Empower or Monarch, Holdings never asks for your bank credentials and uses no aggregator like Plaid. You add what you want to track; nothing is ever linked to your accounts.
Valued like a notary would
Italian properties priced from OMI data published by Agenzia delle Entrate, by city and zone. Homes in the US, Germany and Spain projected from official house-price indexes. Real market data, not a guess.
See it on Mac, iPad and iPhone.
One private view of everything you own, synced across your Apple devices.
Net-worth dashboard on Mac · Every account, investment, property and debt on iPad · Your portfolio on iPhone — all synced privately via iCloud.
What Holdings tracks
Investments
Stocks, ETFs, bonds, crypto — live prices from Yahoo Finance, automatically classified by quoteType and Morningstar category.
Cash & deposits
Checking, savings, term deposits in any currency. Totals are reconciled in your display currency with live FX rates.
Real estate
Properties with OMI valuations for Italy and HPI-based estimates for the US, Germany, and Spain. Track multiple homes across countries.
Vehicles
Cars, motorcycles and other titled assets. Record value over time and watch depreciation against the rest of your portfolio.
Mortgages & debts
Link a mortgage to its property so net worth reflects the leverage. Variable-rate mortgages get an automatic review prompt.
Equity stakes & pensions
Private company holdings, pension funds, severance accruals — categorised separately so retirement and illiquid wealth stay visible.
Multi-currency
Twelve+ display currencies. Each asset keeps its native currency; totals convert at current rates with manual refresh.
Growth & history
Monthly history with charts, category breakdowns, and a growth dashboard showing trailing 12-month return and historical CAGR.
Privacy
Private by design — and by architecture.
There's no Holdings account. There's no Holdings backend. Your portfolio lives inside your Apple ID's encrypted iCloud, where only you and your devices can read it. We literally cannot see your data, because we don't have it.
Your iCloud, your data
Everything is stored in your private iCloud container via Apple's CloudKit. Sync between your Mac, iPad and iPhone happens directly — without us in the middle.
No servers, no accounts
There is no login, no signup, no email. We don't have a database holding your balances or your tickers. There's nothing for us — or anyone else — to breach.
Encrypted end-to-end by Apple
CloudKit data is encrypted in transit and at rest, with keys tied to your Apple ID. Even Apple's storage operators can't read it. Neither can we.
No advertising, no data brokers
No advertising identifier. No third-party SDKs that resell your data. Anonymous analytics record screen views and event counts — never values, tickers, or who you are.
Pricing
Free
All core tracking
Track unlimited assets across all categories with live prices, FX conversion, growth dashboard, and monthly history. No account required.
Pro
$19.99 · one-time purchase
Family Sharing supported
Unlock geography breakdown, real-estate valuations, net-worth goals, and PDF export. No subscription, ever.
Get started
- Download Holdings on Mac, iPad or iPhone
- Add your first asset — cash, a ticker, a property or a vehicle
- Holdings fetches live prices, FX rates and property valuations automatically
- See your full net worth in one view, synced privately across your Apple devices
Frequently Asked Questions
What's the best way to track net worth without a spreadsheet?
Use a dedicated net-worth app instead of Excel or Google Sheets. Holdings keeps a live total of every asset — investments, cash, real estate, vehicles and debts — fetching market prices and FX rates automatically, so there are no formulas to maintain and no monthly copy-paste. It also values your property from official datasets, something a spreadsheet can't do, and keeps everything private in your own iCloud.
Do I have to connect my bank account?
No. Holdings never asks for bank credentials and uses no account-aggregation service like Plaid. Unlike Mint, Empower or Monarch, nothing is linked to your bank. You add the assets you want to track, and live prices come only from public market data (Yahoo Finance) and official property indexes.
Where is my data stored?
On your device, and in your own private iCloud container — never on our servers. Holdings has no user accounts, no backend database, and no third-party storage. CloudKit handles sync, encrypted in transit and at rest by Apple.
Can Holdings (or anyone else) see my portfolio?
No. We have no servers and no database that holds your data. Sync happens directly between your Apple devices through your encrypted iCloud. There is no way for us, or any third party, to access your balances or tickers — because we never receive them.
Where do live prices come from?
Yahoo Finance for stocks, ETFs, bonds, and crypto. FX rates come from Yahoo as well. Real-estate valuations use OMI data from Italy's Agenzia delle Entrate and Eurostat/FRED house-price indexes for other countries.
Does Holdings collect any data?
Anonymous usage analytics through Firebase — which screens are opened, when assets are added or removed, when the display currency changes. No advertising identifier, no personal data, no balances, no tickers. See the privacy policy for the full list.
Is Holdings free?
Yes — all core tracking is free, including the growth-rate dashboard. Holdings Pro is a one-time $19.99 purchase that unlocks geography breakdown, real-estate valuations, net-worth goals, and PDF export. No subscriptions.
What devices does Holdings run on?
Mac (macOS 15.6 or later), iPad (iPadOS 18.6 or later), and iPhone (iOS 18.6 or later). One purchase covers all three, with Family Sharing supported.