Net worth without a spreadsheet

Your real financial position is not one account — it's every account, minus everything you owe. KRONO brings assets and debts together so you can watch your net worth change over time, not guess.

Assets: current accounts, savings, cash, investments, property and any custom value you want to add. Liabilities: credit cards, loans, mortgages, buy-now-pay-later balances.

The difference is your net worth. KRONO plots it monthly so you can see the trend — not just today's snapshot.

You can have a fat checking account and negative net worth. Or an empty one and a strong position. Net worth is the honest scoreboard because it reflects both sides of the ledger.

Tracking it monthly turns finance into a game with visible progress — small wins compound and you notice quickly when direction changes.

Connect every European bank, savings provider and card via secure PSD2 Open Banking. Values sync automatically, so your net worth updates without manual entry.

For assets outside banking (property, private investments, valuables), add them manually with your own update cadence.

€6,200 in checking + €18,000 in savings + €40,000 investments − €7,300 credit card − €12,000 car loan = net worth of €44,900. Next month KRONO shows €46,120: +€1,220. You can see which category moved.

Can I add assets my bank doesn't hold? Yes. Add property, crypto wallets, private investments or any custom asset with a value you control.

Is my historical net worth stored in the cloud? No. History is stored locally on your device. Household sharing via iCloud is optional and you decide who to share with.

Does KRONO revalue investments automatically? Investment account balances update via your bank when supported. Custom holdings you update on your own schedule.