The app to manage your Net Worth and personal finances
Track your net worth, expenses, and investments in a single app. Assets, liabilities, and financial decisions under control.
Free to start. No card required. Available on iPhone and Android.
The personal finance app problem: you still cannot see your true net worth
If any of these sound familiar, eXcenda was built for you.
Fragmented vision
You know how much you earn, but not how much you actually own across bank accounts, investments, and real estate.
Invisible inflation
You save money, but you don't know if it's losing purchasing power against inflation and the macro environment.
Blind decision-making
You make major financial decisions — mortgages, investments, career changes — without clear data in front of you.
Scattered assets
Your assets are spread across multiple apps and accounts, making it impossible to get a full financial picture.
Unfiltered macro noise
The macroeconomic environment affects your wealth, but you don't know how to interpret it or what signals to watch.
Endless spreadsheets
You've built complex Excel sheets that never quite answer what you actually need to know about your future.
The Ultimate Financial Tracker & Net Worth Manager
eXcenda connects net worth, cash flow, simulations, and macro context so you never make decisions with fragmented data.
Real Net Worth
Consolidate assets and liabilities into a single updated metric. Real estate, investments, savings, debts — your complete financial picture. See what you truly own for the first time.
Cash Flow Control
Understand where your money goes every month. Categorize income and expenses, filter by account, and quickly detect what is holding back your real savings capacity.
Macro Stress Index
A proprietary index combining sovereign CDS, government bonds, gold, and Bitcoin to help you navigate the macro environment without following Bloomberg. Unique among personal finance apps.
Financial Simulators
Model decisions before taking action. What if I save €300/month for 20 years? How much does my mortgage really cost? Concrete answers, not theory.
Real Estate & Mortgages
Log your properties and link your remaining mortgage debt. eXcenda automatically subtracts debt from market value to reflect your true accumulated Home Equity.
AI Assistant
Ask anything about your net worth. The AI assistant responds with the real context of your data — personalized analysis, not generic internet answers.
No Mandatory Open Banking
You choose what to log and how. Manual entry for maximum privacy, or connect your bank if you prefer. Your data is yours and yours alone. No ads. Ever.
Macro Stress Index: the macro indicator for understanding markets and your wealth
We combine sovereign CDS, government bonds, gold, and Bitcoin into a single proprietary index. No Bloomberg required. No noise. Just the signal you need to make decisions with context.
View Macro Stress IndexCompound interest calculator: what happens if you invest €300 per month today?
Concrete answers before taking action. Compound interest isn't magic — it's mathematics. Test it yourself.
Compound Interest Calculator
Mortgage Simulator
Retirement Simulator
Pension Plan Tax Calculator
Financial Health Test
eXcenda PRO for deeper net worth and personal finance management
Free plan includes: tracking up to 5 assets, basic simulator, and monthly summary.
No commitment. Cancel anytime.
Compare eXcenda with apps you are considering
Evaluating YNAB, Monarch Money, Emma, or Plata? Compare key features, pricing, and privacy.
eXcenda vs YNAB
Zero-based budgeting
Compare strict budgeting against net worth tracking, financial simulators, and macro analysis.
View comparison →Monarch MoneyeXcenda vs Monarch Money
Bank aggregation & investments
Review privacy, open banking, wealth tracking, and tailored features for global users.
View comparison →EmmaeXcenda vs Emma
Debt & simplified budgeting
Understand when a minimalist app suits you versus when you need a complete net worth view.
View comparison →PlataeXcenda vs Plata
Savings & AI-driven insights
Contrast personal finance apps focused on net worth, financial simulators, and 100% privacy.
View comparison →FintoniceXcenda vs Fintonic
Bank aggregation & ads vs Net Worth
Compare commercial ad-driven bank aggregation with zero-ad manual net worth tracking.
View comparison →Wallet (BudgetBakers)eXcenda vs Wallet
Expense categorization vs Wealth strategy
Understand expense logging versus long-term net worth, simulators, and macro context.
View comparison →MyInvestoreXcenda vs MyInvestor
Neobroker vs Consolidated Net Worth
See how eXcenda complements investment brokers by consolidating cash, real estate, and debt.
View comparison →Trade RepubliceXcenda vs Trade Republic
Trading app vs Global Wealth Tracker
Track total wealth beyond investment portfolios with advanced simulations and AI insights.
View comparison →Copilot MoneyeXcenda vs Copilot Money
iOS design vs Privacy & Manual Entry
Compare premium US budgeting tools with multi-platform, privacy-first net worth tracking.
View comparison →Personal finance guides and calculators to improve your net worth
We've published guides, calculators, and methodology on net worth and cash flow so there's real context behind every number.
Definition, formula, common mistakes, and monthly tracking guide.
Cash flowExpense control without losing the big pictureLess budget obsession and more clarity on your true savings margin.
CalculatorCompound Interest CalculatorSimulate monthly contributions and understand the effect of time.
CalculatorMortgage SimulatorCompare monthly payments, total cost, and real net worth impact.
MacroMacro Stress IndexA public layer explaining macroeconomic context in a useful way.
AcademyExplore all strategic guides and articlesNet worth, financial education, methodology, and EEAT pages.
eXcenda EEAT: methodology, team, and how we calculate net worth
We publish how we work, who we are, and what criteria we use to calculate wealth. No black boxes.
Why eXcenda is built around true net worth.
TeamHow two people with different backgrounds ended up building the same thing.
How we calculate wealthCriteria for assets, liabilities, and consistent wealth evolution.
Macro Stress Index MethodologyPrinciples, observed signals, and boundaries of the indicator.
eXcenda app reviews and real user results
Finally an app that gives me a real picture of what I own. I had savings in one account, mortgage in another, and stocks in a broker — now I see everything together. Incredible.
The Macro Stress Index is amazing. Saves me hours of reading financial news. I check it weekly and know if the market context calls for aggressive investing or caution.
I used the mortgage simulator before signing and realized the true cost was much higher than I thought. It helped me make a better mortgage decision.
What I love most is not having to link bank accounts. I enter data manually and feel in total control. Other apps made me uneasy with permissions.
The AI assistant blew me away. I asked 'with my current income, in how many years can I retire?' and it gave a detailed breakdown with my own numbers.
I spent years in Excel trying to balance my finances. In 10 minutes with eXcenda I gained more clarity than in years. Never going back.
Frequently asked questions about eXcenda, net worth, and Open Banking
Do I have to connect my bank accounts?
Is my data secure?
What is included in the free plan?
Who is the PRO subscription for?
Can I use eXcenda without connecting my bank?
Can I see my consolidated net worth?
Start tracking your net worth and personal finances today
More clarity, less financial anxiety. Free to start.