Net worth app for iPhone: your whole financial picture
A healthy account balance is only part of the story. KRONO brings assets, debts, monthly spending and future payments together, with financial data stored on your iPhone by default.
KRONO AS · Updated:
Start with assets minus debts
Net worth is everything you own minus everything you owe. Add account balances, savings and current investment values, then subtract outstanding loans and card debt. A property can add to your net worth without giving you cash to spend today.
An example, not a recommendation
Illustrative figures, not statistics or app data: €5,000 in a current account, €15,000 in savings and €30,000 in investments make €50,000 of assets. Subtract €8,000 of car debt and €2,000 of card debt: net worth is €40,000.
Connect the total to everyday decisions
Use your monthly budget and recurring payments to understand whether your surplus is growing. Savings goals show what you are working towards; loan balances show what still needs paying off.
Look ahead without treating it as a promise
The documented financial forecast extends up to 24 months. The separate upcoming-payment forecast covers 7 days to 3 months. Both depend on your entries; neither predicts investment returns or guarantees affordability.
Keep your figures current
Update manual balances, property estimates and outstanding debts yourself. KRONO does not automatically value property and does not replace a mortgage calculator, pension calculation or professional advice.
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
Is net worth the same as available cash?
No. Investments and property may count as assets but are not the same as spendable money.
Can I use KRONO without linking a bank?
Yes. Use manual accounts or CSV imports. Automatic bank connection is available only in Germany.