Your net worth spreadsheet, without the upkeep
A free net worth tracker for people who already track it monthly: paste your spreadsheet history, confirm balances once a month, no bank connection.
Free to start. No bank connections needed.
Totala keeps your month-end balances in any currency, separates what you saved from what the market did, and tells you when you reach your goal. Loans, property and pensions included, and a reminder when a new month is ready.
One number, and the story behind it
Your net worth, month by month, with the growth broken into the part you saved and the part the market did. Most trackers show you a total. The interesting question is which half moved.
- Contributions separated from market movement
- Momentum, runway and time-to-goal, updated every month
- Custom dashboard sections built from any portfolio or asset
Point at a month to see what moved it.
A minute a month, and the numbers are right
Instead of a bank connection that quietly breaks, Totala asks you to confirm your balances once a month. Anything unchanged is one click. The result is a history you can trust, because you put it there.
- No bank logins, no aggregator, nothing to leak
- Covers what aggregators miss — property, pensions, private holdings
- Works offline; installs as an app on phone or desktop
- Checking account€5,566
- Savings account€29,247
- Broker€182,334
- Pension plan€34,786
Several portfolios, several currencies, one total
Keep each account in the currency it is actually held in. Totala converts at the right rate for each month, so changing your display currency re-denominates five years of history rather than breaking it.
- Stocks, funds, crypto, property, pensions, options and cash
- Automatic exchange rates and market prices
- Import from DEGIRO, Interactive Brokers, Revolut or any CSV
See when you get there
Set a net worth or dividend income target and Totala estimates the date from your own history, not a generic assumption. FIRE number, Coast FIRE and financial runway come from the same figures.
- Projected date that moves as your real balances move
- FIRE, Coast FIRE and runway on one dashboard
- Compare scenarios side by side
Three steps, then a minute a month
- 1
Bring your history
Paste the month-end balances from your spreadsheet, or start with this month.
- 2
Confirm balances monthly
One minute a month. A reminder arrives when a new month is ready.
- 3
Watch your trajectory
Progress, what moved it, and time to goal.
Everything else it does
All featuresTrack All Your Assets
Banks, brokerages, crypto, real estate, pensions and cash. All assets in one place, across multiple portfolios.
Multi-Currency Portfolios
Track assets in any currency. Totala automatically converts values so your net worth stays accurate.
See Your Progress
See how your wealth grows over time with clear charts and contribution vs market insights.
Plan Your Future
Set net worth or dividend goals and see your estimated time to reach them.
Custom Dashboard
Build your own dashboard sections. Create custom charts combining any of your portfolios or assets.
Stay in Control
Manual tracking means accurate data, no broken bank connections, and full privacy. Export your data anytime.
Free financial tools
No sign-up. No bank logins. Just answers — try a calculator in seconds.
Net Worth Calculator
Add your assets and debts to see exactly where you stand.
Net Worth Percentile
See how your net worth ranks against US households your age.
FIRE Calculator
Find your FIRE number and how many years until you can retire.
Coast FIRE Calculator
See if you can stop contributing and still retire on time
Savings Rate Calculator
What share of your income you keep — and what it means
Compound Growth Calculator
Project an investment forward, in today's money
Multi-Currency Net Worth
Add up accounts held in different currencies
Common questions
Help- Why doesn't Totala connect to banks?
- Automatic connections break often and require sharing financial credentials. Totala keeps things simple and private.
- Isn't manual tracking more work?
- Most people update balances once a month. Anything unchanged is one click, and Totala can remind you when a new month is ready.
- Can I export my data?
- Yes. Totala always lets you export your data. You're never locked in.
- Can I bring my spreadsheet history?
- Yes. The Past months page takes month-end balances for every account at once: type them or paste a range straight from your sheet. Your chart is complete on day one.
Bring your spreadsheet. Keep the history.
Free, private, no bank logins. The demo needs no account at all.