The full picture
of your wealth.
For investors whose wealth goes beyond a brokerage account. Rental properties and their loans sit alongside shares, cash, crypto and pensions, every figure precisely calculated and explained.
Net worth, demo portfolio
€1,168,006
+10.4 % +€109,659 in the last year
One number, every asset.
Liquid or bound, owned outright or financed, all in the same sum. Prices are live, and the history is never overwritten.
Your wealth lives
in many places.
A broker app, a banking app, a wallet, the Excel sheet for the flats, loan contracts, pension letters. In Wertavo it all comes together.
What really belongs to you.
A financed flat counts only with the part that is already yours.
Every property, every month.
Twelve months of cash flow after interest and repayment, per property: which one carries itself, and which had harder months.
Cash flow after debt service per month. Point at a field.
Is it enough?
A Monte Carlo simulation runs thousands of market paths, including the order in which good and bad years arrive, to answer one question: from which age can you live on what you have?
- Median
- Middle 50 %
- Middle 80 %
- Without volatility
Wealth over time, demo portfolio. Hover for any age.
Lindenstraße 14 brought in €1,572 after debt service over the last 12 months, and €4,980 of its loan was paid off. On the €68,000 of equity tied up in the flat, that is a total return of 9.6 %.
Demo values.
Understand every number.
Every figure explains how it is calculated, with your own values. No black box: the maths lives in one tested engine.
Six asset classes, one view.
Securities with live prices, property with its loans, pensions you can’t touch yet, cash, crypto and the watch in the drawer. See them gross, or as equity after debt.
Demo portfolio
Ask your wealth.
Extract information from documents and ask anything about your wealth: why a number changed, how properties compare, what if you retire earlier.
Language by AI, numbers by Wertavo’s own calculation engine. The AI never calculates a figure itself. AI layer in internal testing, not part of the private beta.
Common questions.
All questionsShort answers to what people ask most: what Wertavo is, what it costs and what happens to your data. Open any question right here.
What is Wertavo?
Wertavo is a personal wealth dashboard for private investors whose wealth goes beyond a brokerage account. Rental properties with their loans sit alongside securities, cash, crypto, pensions and tangible assets, combined into one net worth.
Every figure shows how it is calculated, with your own values: cash flow after debt service, equity return, remaining debt, fixed-rate periods and a retirement plan with probabilities.
How much does Wertavo cost?
Wertavo is free during the private beta. Together with our pilot users, we are currently evaluating usage and running costs, and we will announce pricing for the time after the beta well in advance.
Does Wertavo give investment advice?
No. Wertavo explains and calculates, it does not recommend. You see what a decision means in numbers, for example retiring earlier or refinancing at a different rate; the decision stays yours.
Wertavo is not investment, tax or legal advice.
Where is my data stored?
In a database in Frankfurt am Main (Supabase). Data is encrypted in transit and at rest, and access rules in the database make sure every person sees only their own data.
No advertising, no selling of data.
Guides, worked through.
All guidesIn-depth answers to the big questions about wealth, property and retirement, each with a calculator for your own numbers.
Private beta.
Wertavo is shared selectively, as a web app and on iOS via TestFlight. Join the waitlist and we’ll let you know when there’s room.