Quantive

Quantive replaces the net worth spreadsheet. You enter balances manually or upload an Excel export from your bank — no bank connection, no aggregator in the trust chain. Most net worth trackers store your data in a form they can read. Quantive encrypts your portfolio in the browser before it reaches the server, using XChaCha20-Poly1305 with Argon2id key derivation. The server stores ciphertext only; a full database leak reveals nothing about your finances. (Active server compromise is a documented non-goal — the same caveat applies to Bitwarden, ProtonMail, and Standard Notes. The crypto module is open source under MIT.) The free tier covers net worth tracking with unlimited sources, allocation charts by volatility type and liquidity, 12-month rolling history, 13 currencies with historically correct FX (a balance from two years ago is valued at the rate from that day, not retroactively rewritten), and cloud sync across devices. Pro (€9/month or €90/year) adds full historical view, CAGR-based forecasting with 95% confidence intervals, goal and milestone tracking, benchmark comparison against inflation and the S&P 500, and a PDF wealth report. Quantive does not budget, categorise transactions, or connect to banks. It is a wealth tracker, not a spending tool. Free tier is permanent.