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.
You saved 22.5% of your income this month.
Your emergency fund covers 6.1 months of expenses.
Housing is still your biggest expense category.
Free to start. No card required. Available on iPhone and Android.
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.
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.
Start tracking your net worth and personal finances today
More clarity, less financial anxiety. Free to start.