USD/EUR0.8650
|
AED/EUR0.2356
|
MUR/EUR0.0192
|
EUR/AED4.2452
| ℹ Prices: loading...

Net Worth

—

Total Wealth Over Time
solid = historical · dashed = forecast
Current vs Next Year

Investments

Portfolio vs Contributions
6M
1Y
3Y
5Y
Individual Holding
Monthly Returns
bars = monthly · line = cumulative TWR
Indexed Performance
top holdings · 100% = purchase month
Brokerage Cash — (uninvested · click to edit)
Holdings
NameTickerTypeCur Qty Price (LC) Price (€) Value (€) Avg Cost Return 1M Price1M Ret 1Y Price1Y Ret % Port Target Dev. Notes Exchange
Watchlist · tracked · no position
NameTickerTypeCur Price (LC) Price (€) 1M Price1M Ret 1Y Price1Y Ret Notes

Investment History

Monthly snapshots · click any cell to edit · prices in local currency

Snapshots — newest first · current holdings shown first
Qty shown in grey · Price in local currency · click to edit · FX rates refreshed per price refresh

Contributions

Full transaction history since 2019 · deposits, purchases, grants & sales

Monthly Cash Deposits
Cumulative Deposited
Stock Grants & Vesting Schedule
All Transactions
DateTypeTickerQtyCur Price (LC)Amount (LC)Amount (EUR) Comment

Cash & Savings

NL & UAE bank accounts · reserves · history

Cash Budgeting
Historical Cash Positions (by account)

Real Estate

Property value development over time

Pension

Long-term retirement savings

FundProviderValue (EUR)Cost BasisContrib YTDReturn

Other Assets & Liabilities

Settings

Preferences, currencies and personalisation

Currency Preferences
Totals in Cash, Net Worth and Budgeting display in this currency. All internal calculations use EUR.
Only selected currencies appear in modal dropdowns across the app. EUR is always included.
Active Countries
Controls which countries appear when adding cash accounts.
FX Rates — to EUR · auto-updated every 6h
Account

About myFinance

Personal wealth tracker — built for clarity

What is this?

myFinance is a personal wealth tracker built to give you a single, honest view of your entire financial picture — investments, real estate, cash, and spending — all in one place.

Unlike spreadsheets or fragmented banking apps, myFinance connects the dots: your investment portfolio feeds into the net worth forecast, your expense categories flow into the dashboard, and every number traces back to a real data source you control.

All data is stored in your own Supabase database and never shared with third parties. No ads, no subscriptions, no tracking.

What's inside
${[ ['◇ Investments','Track your portfolio with live prices, snapshot history, contributions, and time-weighted returns.'], ['◻ Cash & Savings','Monitor balances across multiple banks and currencies with a monthly snapshot history.'], ['⬡ Real Estate','Model gross value, mortgage paydown, and net equity with year-by-year projections.'], ['◦ Other Assets','Track anything else — vehicles, savings bonds, liabilities — with growth rate projections.'], ['◈ Net Worth Dashboard','See your complete wealth picture over time with a stacked area chart and 20-year forecast.'], ['◈ Expense Analyzer','Import bank statements from ENBD, HSBC and WIO. Auto-categorize, analyze by month, and spot patterns.'], ['◎ Budgeting','Plan your monthly income, fixed expenses, and savings targets with a live surplus tracker.'], ['◎ Non-card Spend','Track recurring cash expenses (rent, staff, insurance) that don\'t appear on any card statement.'], ].map(([title,desc])=>`
${title}
${desc}
`).join('')}
Technical

Built as a single-page app deployed on Vercel, with Supabase for authentication and data storage. All logic lives in a single index.html file — no build step, no framework, no dependencies to manage.

Prices are refreshed via a Vercel cron job every 6 hours using Yahoo Finance. Exchange rates are updated alongside prices.

Activity Log

All changes, refreshes and events

Events

Password & Security

Manage your password and two-factor authentication

Change Password
Two-Factor Authentication

Use an authenticator app (Google Authenticator, Authy, 1Password) to generate a time-based code each time you log in.

Expense Dashboard

Monthly spending analysis by category

Monthly Spend by Category
Category Breakdown

Categorization Rules

Text patterns mapped to categories · applied automatically on import

Transaction Data

Raw transactions · import · click category to re-assign

Non-card Spend

Recurring or one-off expenses not captured by card transactions

Expense Categories

Rename, recolor, add or remove categories · changes apply everywhere

Color Category Name Transactions Rules

Budgeting

Monthly income & expenses plan

▲ Income
—
◎ Savings
—
▼ Expenses
—
Income
—
Expenses
—
Savings
—
Savings Rate
—
Monthly Surplus / Deficit
—
Income Breakdown

Retirement Planner

FIRE projection · 4% rule · based on your net worth data

Assumptions
Exclude primary residence Years to cover
How it works: Your investable net worth (total NW minus residence if excluded) grows annually at the real return rate (market growth − inflation), topped up by annual savings after tax. Retirement is achievable when investable NW ≥ Annual expenditure ÷ SWR — the FIRE number. The 4% rule (Trinity Study, 1998) means a portfolio 25× your annual spend has historically sustained 30-year retirements in 95% of scenarios. For early retirement covering 40+ years, consider a 3–3.5% SWR.
Wealth vs FIRE Target
Year-by-year Projection

FX Rates (to EUR)

Add Holding

Add Transaction

Add Account

Add Cash Snapshot

Add Property

Edit Property

Add Pension Fund

Add Asset

Edit Item

Apply Stock Split

Adjusts all snapshot prices and quantities for a ticker before a given date. For a 4:1 split enter ratio 4 — prices ÷4, quantities ×4.

Add / Override Snapshot

Add to Watchlist

Edit Transaction

Add Categorization Rule

Edit Rule

Edit Non-card Expense

Import Complete

Edit Transaction

Add Rule from Transaction

Create a rule so future transactions like this are auto-categorized on import.

Import Transactions

Add Non-card Expense

Add Manual Transaction

Summarize Month

Collapses all line items for a month into category totals only. Individual transactions are permanently deleted — only keep summaries. Use this to reduce data size and sensitivity for older months.

Step 1 of 5
>