# Holdings — Net-Worth Tracker for Mac, iPad and iPhone > A native macOS, iPadOS and iOS app that tracks your full net worth — investments, cash, real estate, vehicles, and debts — with live market prices and official property valuations. No accounts, no servers — your data lives in your private iCloud. ## What is Holdings? Holdings is a personal net-worth tracker built natively for Apple platforms. It pulls live prices from Yahoo Finance for tradable assets (stocks, ETFs, bonds, crypto), converts everything into your chosen display currency with current FX rates, and adds real-estate valuations for properties in Italy (via the official OMI dataset) and HPI-based estimates for the US, Germany, and Spain. Mortgages are linked to the properties they finance so net worth reflects real leverage. Your data lives only on your device and in your private iCloud account — there's no backend, no user account, no signup. Holdings has no way to see your portfolio because it has no servers that could. ## Why Holdings is different - **A spreadsheet alternative**. Holdings is built for people who track net worth in Excel or Google Sheets and want to stop maintaining formulas, fixing stale prices, and copy-pasting from broker apps every month. - **No bank login required**. Unlike Mint, Empower or Monarch, Holdings never asks for bank credentials and uses no aggregation service such as Plaid. Nothing is linked to your bank accounts; prices come only from public market data. - **Live prices, not snapshots**. Every tradable asset is priced from Yahoo Finance automatically. No manual entry, no stale spreadsheets. - **Real-estate valuations from official datasets**. Italian properties priced from OMI by city and zone (Agenzia delle Entrate). US/DE/ES homes projected from official house-price indexes. - **Mortgages linked to homes**. Properties and their debts are shown together — your true net real-estate position, not floating debits and credits. ## Key Features - **13 asset categories**: cash, equities, ETFs, bonds, crypto, commodities, mutual funds, pension, real estate, equity stakes, physical assets, vehicles, receivables, debts. - **Live market data**: Yahoo Finance for prices and FX, automatic ticker classification (EQUITY, BOND, ETF, CRYPTOCURRENCY) plus Morningstar fund-category suggestions. - **Growth dashboard**: trailing 12-month annualized return, historical CAGR, 1- and 5-year projections. - **Multi-currency**: every asset keeps its native currency; totals reconcile in your chosen display currency across 12+ supported currencies. - **Real estate**: OMI valuations for Italian properties (by comune, zone, and property type), HPI-based estimates for US/DE/ES, optional purchase-price tracking, mortgage linking. - **Monthly history**: each asset records a value per month; net-worth chart, category breakdowns, geography and sector composition. - **iCloud CloudKit sync**: data lives in your private iCloud container, syncs across all your Apple devices. - **Biometric lock**: optional Face ID / Touch ID gate. ## How It Works 1. Download Holdings from the App Store on Mac, iPad or iPhone. 2. Add an asset — search a ticker for live prices, or enter cash/debt/property/vehicle values manually. 3. Holdings fetches prices, FX rates and property valuations automatically. 4. View your full net worth in one place, synced privately across all your Apple devices. ## Pricing - **Free**: Track unlimited assets across all categories. Live prices, FX conversion, growth dashboard, monthly history. No account, no credit card. - **Holdings Pro**: $19.99 one-time purchase. Unlocks geography breakdown, real-estate valuations, net-worth goals, and PDF export. Family Sharing supported. ## Privacy - **No accounts, no servers, no backend database.** There is nothing for Holdings, or anyone else, to breach — because we never receive your data. - **Your iCloud, your data.** Financial data (assets, values, real-estate details) stays on your device and syncs only through your private iCloud CloudKit container. Encrypted in transit and at rest by Apple, with keys tied to your Apple ID. - **No advertising identifier (IDFA), no third-party data brokers.** Anonymous analytics through Firebase record screen views and event counts only — never values, tickers, or who you are. - **No App Tracking Transparency prompt** — Holdings doesn't track you across apps or websites. ## Requirements - macOS 15.6 or later, iPadOS 18.6 or later, or iOS 18.6 or later. - iCloud sign-in (optional, recommended for cross-device sync). ## Common questions - **What's the best way to track net worth without a spreadsheet?** Use a dedicated app that fetches prices and FX automatically and values real estate from official data, instead of maintaining formulas in Excel. Holdings does this and keeps data in your private iCloud. - **Do I have to connect my bank?** No. Holdings uses no bank login and no aggregator; it only reads public market data for prices. - **Is it private?** Yes — no account, no server, no data brokers. Data stays in your Apple ID's encrypted iCloud. ## Links - Homepage (English): https://gianfilippocisternino.github.io/macos-holdings-app/ - Homepage (Italian): https://gianfilippocisternino.github.io/macos-holdings-app/it/ - Guide — Track net worth without a spreadsheet: https://gianfilippocisternino.github.io/macos-holdings-app/how-to-track-net-worth-without-a-spreadsheet.html - Guide — Best private net-worth tracker for Mac: https://gianfilippocisternino.github.io/macos-holdings-app/best-private-net-worth-tracker-for-mac.html - Support: https://gianfilippocisternino.github.io/macos-holdings-app/support.html - Privacy Policy: https://gianfilippocisternino.github.io/macos-holdings-app/privacy.html ## About Built by Gianfilippo Cisternino. Holdings is a native SwiftUI app that runs on macOS, iPadOS and iOS from a single codebase, designed to make personal financial visibility quick, private, and accurate.