Money in six places
An ISA on one platform, a pension on another, crypto on an exchange. One page you keep, instead of six apps to check.
ISA · SIPP · Crypto · Cash
What you own.What you owe.What's left.
Add your bank accounts, investments, property and loans to one balance sheet, with one honest number at the top. Balance records your money. It never moves it.
balance.app/dashboard
Net worth£628,000£950,700 owned · £322,700 owed
- Mortgage−£286,000
- Car finance−£18,400
- Student loan−£14,200
- Credit cards−£4,100
Everything you own.
Everything you've added, grouped the way the app groups it. Hover the bar or pick a category to open its table.
Total assets£950,700
- Purchase price
- £792,300
- Accounts
- 16
- Largest
- Property
Property
2 accounts£520,000Your home, buy-to-lets and land. The mortgage sits on the other side of the sheet, so your equity is always plain. Valued by: Your figure · Updated: When you revalue
| Name | Held with | % of assets | Value | Gain/loss |
|---|---|---|---|---|
| Family home | Joint names | 40.5% | £385,000 | |
| Buy-to-let flat | Own name | 14.2% | £135,000 |
Everything you owe.
Every mortgage, loan and card balance comes off the total, so the number you see is the one that's true.
Debt breakdown
What you owe, by type.£322,700Total owed
- Mortgages89%£286,000
- Loans10%£32,600
- Credit cards1%£4,100
- Borrowed
- £393,000
- Paid off
- £74,400
- Accounts
- 4
Mortgages
1 account£286,000| Name | Lender | % of debts | Owed | Paid off |
|---|---|---|---|---|
| Mortgage | High-street lender | 88.6% | £286,000 |
Loans
2 accounts£32,600| Name | Lender | % of debts | Owed | Paid off |
|---|---|---|---|---|
| Car finance | Motor finance | 5.7% | £18,400 | |
| Student loan | Government scheme | 4.4% | £14,200 |
Credit cards
1 account£4,100| Name | Lender | % of debts | Owed | Paid off |
|---|---|---|---|---|
| Credit cards | Two cards | 1.3% | £4,100 | n/a |
One number, kept current.
Balance runs in your browser on any screen. The figure at the top is worked out from what you've entered, with shares and crypto at their latest market prices.
Net worth
Net worth£628,000
- Total assets
- £950,700
- Total debts
- £322,700
34% of what you own is borrowed.
Unrealised gain
On 13 assets
Debt paid off
£74,400
19% of £393,000
Liquid assets
30%
£281,900 within a month
Largest asset
40%
Family home
Net worth over time
Your net worth at the end of each month. Point at a month to see it.
dailyPricedListed shares and funds by ticker at the latest close, crypto at the day's price.
your callValued by youProperty, private shares, cars and art. Set a figure and change it when the value does.
on changeRecordedEach change records that day's figure, so the line grows with you and is never invented.
Who keeps a Balance.
People whose wealth is spread across banks, platforms, property and paper. Different lives, the same need for one honest number.
Wealth on a cap table
Options and angel cheques that no bank statement shows, counted at the price you set.
EMI options · SEIS/EIS · Cash
The household on one page
Joint accounts, the house and both pensions on one page, so the conversation starts from the same number.
Joint accounts · Property · Pensions
Equity across addresses
Every property and every mortgage on one sheet, so the equity across your addresses is plain.
Buy-to-lets · Mortgages
Assets in two countries
Accounts here and back home side by side, each kept in its own currency.
GBP · EUR · USD accounts
Planning the drawdown
Pensions, savings and property in one place, so the next ten years can be planned from a single figure.
Pensions · Bonds · Property
Add anythingyou hold.
Add anything
you hold.
Typeinanyaccount,assetordebt.Sharesandcryptopricethemselvesfromaticker.Everythingelsetakesyourfigure.
Bank accounts and shares
Add a current account, a savings pot or an ISA in a few seconds: name it, enter the balance, pick its currency. No bank login to hand over, and nothing breaks when a bank changes its website.
For listed shares and funds, enter the ticker and how many you hold. Balance prices the position from the latest closing price, so the value keeps up without you retyping it.
- Add any account's details and balance by hand, in any currency
- Listed shares and funds valued from their ticker and quantity
- No bank credentials shared, ever
Crypto, wherever you hold it
Record what you hold, on an exchange, in a hardware wallet or anywhere else, by coin and quantity. Balance values each position at the current market price.
Your crypto counts toward the same net worth as everything else instead of living in a separate app.
- Holdings valued from coin and quantity
- No wallet connection or exchange keys required
- Counted in your net worth, in your base currency
Private funds and unlisted shares
Angel stakes, fund commitments and shares in a private company rarely appear anywhere else. Add them at your own valuation, with what you paid beside it, next to your liquid assets.
- What you paid kept beside what it is worth
- Your own valuation, updated whenever you choose
- Beside your liquid assets, not in a separate spreadsheet
Property, gold, vehicles and collectibles
Your home, a buy-to-let, a car, a watch collection: add each at the value you put on it and update it when that changes. Add the mortgage or loan on the debts side too, so the number you see is what you actually own.
- Any physical asset, at your own valuation
- Mortgages and loans on the same sheet
- A net worth that counts debts, not just assets
Upload a statement
Soon you can drop in a PDF or CSV statement and your assets and debts fill in on their own. Check the rows, then keep them.
Ask Balance
An AI assistant is on the way. Ask about what you own and owe in plain words and get personal answers worked out from your own sheet, not generic advice.
Seen. Never touched.
Balance is a record, not a bank or a broker. There is no button anywhere in it that moves money, and no part of the business that depends on your data.
- Move your moneyThere is no payments feature. Balance holds figures, never accounts.
- Place a tradePrices come from market data, not from your broker. There is nothing to trade with.
- Show you an adNot in the app, not in emails.
- Sell your dataYour balance sheet is never sold, shared or rented.
- Push a productNo commissions, no referral fees, no “recommended for you”.
- Encrypted when it's sent and when it's stored
- Every row locked to its owner
- No trackers or ad pixels
- Delete your account, delete every row
Free for 3 days. Then one simple plan.
Free trial
£0for 3 days
Everything in Pro, to try firstHow it works
- Every feature, nothing held back
- Card taken now, first payment on day 4
- Cancel within 3 days and pay nothing
- Your trial's end date shown in Settings
Pro
£7a month
Everything you own and owe, in one placeIncludes
- Every asset and debt on one sheet
- Share prices from the latest close, crypto prices daily
- Net worth history from your first entry
- Totals in pounds or dollars
- Later: statement upload, Ask Balance
- 3 days free, cancel any time
- No adverts, no data sold
- Delete everything from settings
Fair questions.
The things people ask before they add a single account.
No. Balance records figures. It cannot make payments, place trades or open accounts, and it never asks for a login to do so.
Find out what's left.
Be first to know when the rest of Balance is ready.