Track assets, debts and net worth in one app
What do you actually own after subtracting what you owe? KRONO puts your accounts, savings, assets and remaining debts beside your budget, so you can see the whole picture.
KRONO AS · Updated:
Calculate the right number
Net worth = total assets − total debts. Use the remaining loan balance, not just next month's payment. Include unpaid credit-card balances. Avoid counting the same account or asset twice.
Worked example: €50,000 minus €10,000
Made-up figures, not customer data or averages: current account €5,000 + savings €15,000 + investments €30,000 = €50,000. Car loan €8,000 + card debt €2,000 = €10,000. Net worth is €40,000. A €5,000 fall in investment value would reduce it to €35,000 if debts stayed unchanged.
Cash flow explains the month
Net worth measures your position at a point in time. Cash flow measures income minus spending over a period. A loan payment uses cash, but only the principal portion reduces debt; interest is a cost.
Plan within the forecast's limits
The financial forecast runs up to 24 months from the numbers you enter. Upcoming payments are shown separately for 7 days to 3 months. Future salaries, investment prices and property values are not guaranteed.
Free limits and specialist questions
Free includes up to 3 accounts, 2 loans and 1 monthly budget. Check individual wealth and forecast feature access in the app; those limits are not a promise that every advanced tool is free. Use a specialist calculator or adviser for financing, retirement and tax decisions.
Country availability and pricing
Automatic bank connection is available only in Germany. Elsewhere, use manual accounts and CSV import.
Free forever: up to 3 accounts, 2 loans and 1 monthly budget. Pro: €6.99/month or €69.99/year in euro countries; App Store prices can vary by country.
Start with KRONO Free
Add your own figures and check which features fit your needs.
KRONO for iPhone (iOS) · Free: €0 · Pro: €6.99 per month or €69.99 per year in euro countries. Prices can differ by App Store country.
Automatic bank connection is currently only available in Germany. Elsewhere you add accounts manually or import transactions from a CSV file.
| Area | In KRONO | Limit |
|---|---|---|
| Net worth | Assets minus debts | Update manual values; no automatic property valuation |
| Cash flow | Income, expenses and loan payments | Only principal reduces debt |
| Forecast | Financial forecast up to 24 months; payments 7 days to 3 months | Based on your inputs, not a guarantee |
| Household | Optional private-iCloud sharing | No automatic settlement or verified Free sharing access |
| Bank connection | Germany only; manual or CSV elsewhere | Pro does not extend country availability |
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Frequently asked questions
Can net worth be negative?
Yes. It is negative when total debts exceed total assets.
Does KRONO value my property automatically?
No. Enter a reasoned estimate and keep it updated.
Can I record assets without bank access?
Yes. Manual entries and CSV imports work without linking your bank.