Accumula

Expense tracking is tedious. Who has time to track every cents and pennies. Instead, I propose that you keep track of a more meaningful metric, your net worth!

Accumula - Net Worth Tracker
Take control of your financial future with simple, private net worth tracking.

Accumula helps you build wealth by tracking what matters most - your total net worth over time. See the big picture of your financial health with manual entry that puts you in complete control.

Key Features

• Simple & Focused - Track assets and debts with clean, intuitive design.

• multiple asset/debt categories
• monthly data update

• Asset tracker

• track your investment portfolio
• support multiple asset types such as cash, property, investment and collectables
• specify asset's liquidity and expected return for future projection

• Debt tracker

• support various debt types such as mortgages, credit card, personal loan and other
• user can specify debt's interest rate and monthly commitment to have clear picture of debt servicing commitment

• Completely Private - All data stays on your device, no accounts required.

• no data sync to external server
• export it if you like

• Visual Progress - Beautiful charts show your wealth building journey.

• show, month-by-month growth chart
• show assets/debt in value and percentage breakdown by category

• Smart Update - Submit update with natural language and have the system automatically process it.

• Multi-Currency - Support for RM, USD, EUR, GBP, JPY, CAD, AUD and more.

• Local-First - Works offline, internet connection optional.

Perfect For

• Building your first emergency fund
• Tracking investment portfolio growth
• Monitoring debt payoff progress
• Understanding your complete financial picture
• Anyone serious about building wealth

Why Manual Entry?

Unlike apps that connect to your bank, Accumula encourages mindful money management. By manually updating your net worth monthly, you stay actively engaged with your financial goals and see exactly where your money is going.

Privacy-first. Simple. Effective.

Start tracking your path to financial freedom today.