My Portfolio: Net Worth

Emerald Websites

About this app

Track your household's money without connecting a bank. You type what you own, what you owe, what comes in and what goes out; My Portfolio does the arithmetic.

It is free. Every screen, every figure, every export. Nothing is for sale.

NET WORTH AND PASSIVE INCOME

• Net worth: what you own, less what you owe.
• How much of your spending your passive income already covers.
• Your own bills, cheapest first, with each one your passive income reaches lit up.
• What is left to cover: put in an amount you could add each period and it says how many periods close the gap, and what each remaining bill needs. Division on two figures you supplied — no growth rate, no date.

FOR PROPERTY

• Every property totalled: value, what is owed, the equity between them.
• Available equity at 80% of value less debt, never below zero — the usual ceiling before lenders mortgage insurance. Your arithmetic, not a lender's offer.
• What the portfolio costs to hold: running costs plus loan interest, against rent.
• Where each repayment goes: interest, and what comes off what you owe.
• What each place has been worth: a dated reading each time you change it, and the change since the first.
• What you paid and when, so growth runs from the purchase, not from install day.
• Offset accounts. Point a cash or savings account at a loan with a rate, from the property's screen; the interest is worked out on the reduced balance.
• Gross and net yield for each place.
• Add a property with its rent, costs and loan in one sheet.

FOR BUDGETING

• Your savings: every income line against the same bills.
• Your biggest bills, largest first, not hidden in a category total.
• Where the rest of it goes, by category.
• A household spending more than it earns sees a negative, not a zero.

YOUR OWN WORDS ON ANY LINE

Put a note on anything — "fixed until March 27", "tenant lease ends June". It shows under the name on every list of your assets, debts, income and bills, and in the export.

BUILT FOR AUSTRALIAN HOUSEHOLDS

• Weekly rent, a fortnightly wage, a monthly bill, an annual rate: type each as quoted; one toggle reads every figure as a week, fortnight or month.
• Eighteen categories, and 144 bill names inside them to tap instead of type: strata fees, body corporate, council rates, BAS payments, PAYG instalments.

CHOOSE WHAT YOU SEE FIRST

Pick whether your screens lead with property, passive income, budgeting or everything. Each person sharing a portfolio gets their own choice.

SHARE IT WITH YOUR PARTNER

Send a one-time invitation. They sign in with their own account and edit the same figures — full access, not a partial view. Lapses after 14 days.

EXPORT YOUR FIGURES, FREE

Two files: a spreadsheet with a sheet each for Assets, Liabilities, Income and Expenses, as real numbers so a column adds up, plus a JSON copy. Neither holds a figure the app worked out.

NO BANK LOGIN, AND THAT IS THE POINT

No consent screen, no data-sharing arrangement, nobody else holding a key to your accounts. Start the day you install it.

SIGNING IN, AND OFFLINE

Email, Google or Apple. No phone number and no SMS codes. Delete your account inside the app. Your figures are held on the device, so you can read and edit them offline.

WHAT IT DOES NOT DO

• No bank feed, no bank login to hand over.
• It does not forecast. Nothing is drawn past your last saved figure.
• It does not tell you whether you are on track, set a target or score anything.
• It does not round in your favour or treat a blank as a zero. Anything without a figure is left out and reported, never guessed at.

This app shows you your own arithmetic. It is not financial advice and does not recommend any product. Emerald Websites does not hold an Australian Financial Services Licence.

Anything bought in an earlier version is cancelled in Google Play, not with us. Deleting your account here does not cancel it.

Privacy policy: myportfolioapp.com.au/privacy-policy/
Delete your account: myportfolioapp.com.au/delete-account/

What’s new

Every property now has a screen that works: add income, running costs, a loan or an offset without leaving it, and tap any row to edit.

New: a dated reading each time you change a property's value, with the change since the first. What you paid. A note on any line, shown on your Balance, Income and Expenses lists and in the export. Offset accounts named with their balance.

Fixed: typing an amount with a comma stored 100x the value. Valuation dates that were always blank.