Your entire net worth, on one pane of glass.
Ovolos brings every account, asset and liability — cash, brokerage, crypto, property, private companies and funds — onto one living net-worth timeline. Built for people whose wealth outgrew a single banking app.
Total net worth
SampleLiquid
31%
Risk grade
A−
CAGR (TWR)
+9.2%
Illustrative sample data — not a real account.
01 One ledger for everything you hold
One continuous timeline, every account on it
Track every account, asset and liability across currencies into a single net-worth history — with weekly movement, resilience vitals, and the flow of assets into net worth and debt, all on one glass surface.
Net worth
Weekly change
24-week movement
Volatility
±2.1% / mo
Typical monthly swing · 12 mo of history
Max drawdown
−9.4%
Mar 2025 → Jun 2025 · recovered
Spread
6.2 eq. classes
Behaves like ~6 equal asset classes
Everything you own
20 account types, each correctly modeled — from everyday checking to private funds, real estate, crypto and mortgages. Assets and liabilities, public and private, all rolled into one net-worth figure.
Did I make money, or did the euro?
Earn in one currency, hold in another, spend in a third, and your headline number starts lying to you. A strong year in dollars can be a flat year at home, and no statement anywhere tells you which one you had.
Ovolos splits the change on every foreign-currency account into two numbers — the asset moving and the rate moving — and they always add up to the total. It's the one question a multi-currency owner can never answer, and the one no budgeting app has ever tried to.
Asset vs currency
Assets held abroad · past 12 months, in EUR
Total change
+€184k
The asset
+€153k
Currency
+€31k
83% of the year was the assets themselves. The rest was the exchange rate, and it can go the other way.
Know exactly how exposed you are
A letter grade on your wealth's risk, a spread read in effective equal classes, debt-coverage ratios, your worst drawdown on record, and plain-language findings on concentration, liquidity and currency.
Concentration, volatility, liquidity and leverage roll into one A–F verdict — tracked over time.
Behaves like 6.2 equal classes.
Warns below 1× — when debts outrun liquid assets.
Top holding is 28% of net worth — above the 20% comfort line.
31% liquid; a severe shock would take ~4 weeks to cover.
Well-spread across USD, EUR and GBP with daily FX.
Mar 24 → Aug 24 · worst peak-to-trough on record
Growth you can actually attribute
Time-weighted return strips out the balances that arrive with a newly opened account, so adding accounts over the years does not read as return. Then see what drove the change, how much was the market versus accounts you added, and where you could be in 3, 5 or 10 years.
Time-weighted CAGR — return, not accounts you added
Total return +63% · 5y of history
Net-worth trajectory
What drove the change
Market appreciation vs the accounts you added over the period.
Top movers
Where you could be
$3.1M
$3.8M
$4.6M
Illustrative only — projects your current CAGR forward, banded by realized volatility. Not financial advice.
Ready to see your own numbers?
Invite-only early access — we welcome new members in small batches.
A considered value for what markets don’t price
Plenty of what you own has no public price — real estate, vehicles, a stake in a private company or fund. AI researches comparable sales, market trends and public records to put a value on it, while live feeds price your listed holdings. Every currency rolls up into one base.
An AI starting point — you can set your own value any time.
AI vehicle valuation
Make · model · year · country comps
Daily-priced holdings
Units × latest close, priced daily
Private markets
Capital calls, distributions, % ownership
Multi-currency
$ € £ ¥ → one display currency
Your assistant can finally see the half that isn't in a bank
Every money app talks to ChatGPT, Claude and Gemini now, and they all read the same current account. Connect Ovolos and yours can answer for the company stake, the fund, the building and the currency you earn in — because we hold those too.
Sample conversation — illustrative figures, real tool names.
Where the money actually goes
Connect everyday accounts via OAuth and watch income and expenses sort themselves — AI categorizes each transaction and learns from your corrections, by category and by merchant.
Explore spending & planningIncome in, expenses out — 12 months on one axis.
Last 12 months of spending.
- Housing 31% $3,410
- Groceries 18% $1,980
- Transport 12% $1,320
- Dining 9% $990
- Other 30% $3,300
Each transaction sorted on arrival — corrections teach the next one.
-
Groceries -$84.20Whole Foods Market autoToday · Checking ••24
-
Transport -$56.10Shell autoToday · Credit ••07
-
Dining -$11.50Blue Bottle Coffee autoYesterday · Credit ••07learns from your corrections
-
Housing -$142.00City Power & Light autoYesterday · Checking ••24
-
Shopping -$129.99Amazon auto2 days ago · Credit ••07
Ranked by spend, last 12 months.
-
1
Amazon $1,240
-
2
Whole Foods $880
-
3
Shell $610
-
4
City Power $420
-
5
Blue Bottle $280
The whole picture, wherever you are
Wealth doesn't wait for a desk. Glance at the day's move over coffee, open the account behind it, and let the alerts that matter — a runway dip, a blown budget — find your pocket the moment they trip.
Net worth
Built to be trusted with your whole financial life
A net-worth tracker only earns its place if you trust it with everything. Here's how we earn that.
Read-only bank connections
We connect through your bank's official provider and can only read balances — Ovolos can never move your money.
Encrypted in transit & at rest
Every connection is TLS-encrypted and sensitive data is encrypted in the database.
Passkeys & two-factor
Sign in with a passkey, or a password plus TOTP two-factor and recovery codes.
Isolated per user
Every query is scoped to your own account — your data is never mixed with anyone else's.
Never sold, never shared
We make money from the product, not from your data — it is never sold or shared with advertisers.
You stay in control
Built with GDPR in mind — export or permanently delete your data whenever you want.
Three steps to your whole picture
Sign-ups are invite-only while we finish building. Here's the path in.
Request an invite
Leave your name and email — that's it. Tell us what you'd track if you like.
We review & invite
We welcome new members in small batches and email you a private, single-use setup link.
Connect & see it all
Set a password, add accounts or connect banks read-only, and watch your net worth come together.
Questions, answered
Is my financial data safe?
Yes. Connections are TLS-encrypted, sensitive data is encrypted at rest, and every query is scoped to your own account. You can sign in with passkeys or two-factor authentication.
Do you sell my data?
Never. We make money from the product, not from you — your data is never sold or shared with advertisers.
Do I have to connect my bank?
No. You can add and update accounts manually. Bank connections are optional and always read-only, so Ovolos can never move your money.
What will it cost?
Ovolos is invite-only while we finish building. We'll share pricing clearly, well before anyone is ever charged.
When will I get an invite?
We welcome new members in small batches. Once you request access we'll email you a private setup link as soon as a place opens.
Can I delete my account and data?
Yes — you can export or permanently delete your account and all of its data at any time.
Your whole picture, on one pane of glass.
Ovolos is invite-only while we finish building — we welcome new members in small batches. Request an invite and we'll email you a private setup link the moment a place opens.
Invite-only No spam, ever Your data isolated