Seamlessly track your net worth, income, expenses, assets and liabilities in one place.
Free tool forever. No credit card required.
Find out with our planning and tracking tools that give you clarity and confidence.
Get all your information in one place.
Get an accurate picture of where you are.
Build a roadmap to the future you want.
Execute, monitor and adapt your plan with confidence.
Discover how we help you improve your financial future, with intelligent tools to let you see how you iterate your plan and start compounding your wealth.
Find out where your money is going, and what you can do to make it go further.
Scores range from 0 to 5, with 5 being excellent financial health
Measures debt relative to your net worth. lower debt to equity ratios indicate better financial stability
Evaluates whether your monthly income covers your expenses with room for savings.
Tracks your savings rate as a percentage of income. higher savings rates prepare you for goals and retirement.
Assesses how well your assets are spread across different investment types to reduce risk.
Assumes a conservative 3% asset growth of assets and a steady increase in savings.
Assumes a moderate 6% asset growth of assets and a steady 5% increase in savings.
An optimistic asset growth of 8% asset growth of assets and an impressive 8% increase in savings.
Add Goals, and optimise to reduce the time it takes you to reach them.
Adding a new goal is incredibly simple, simply set a goal name, description, target date, priority, goal amount and monthly contributions
The following example is a goal that has been created for an emergency fund.
Find out where your money is going, and what you can do to make it go further.
Discover how we help you improve your financial future, with intelligent tools to let you see how you iterate your plan and start compounding your wealth.
Understand how all of your monthly earnings impact the bigger picture.
The first step to planning your financial future, is to complete the income section of the Net Worth Tracker.
Simply name the source of income, input the annual amount of income from that source,
We allow you to track any source of income that you could possibly want, but some examples include:
Calculate your recurring monthly expenses to get a clear picture of your cash flow.
Track and manage your spending across different categories.
Calculating your monthly expenses is as simple as entering an expense name, category and amount.
After you've inputted all of the information about your current expenses, you can easily view a full breakdown of where your money is being spent each month, and identify things you need to refine.
Understand the current value of all your assets, from cash to investments to property.
Track your investments, property, and other valuable assets
First, select an asset type from the following categories:
We can then use this information to calculate income from accounts with fixed percentage returns, and display your total diversification, like in the chart below.
Get a clear picture of all your outstanding debts.
Manage your debts, loans, and other financial obligations
Much like assets, liabilities fall under certain categories, but require additional information like the APR% rate of the loan, and the expected payment date.
Understand how income, expenses, assets and liabilities come together to give you a view of the future
Get a clear overview of all your entire financial situation.
Easily view the predicted health of your finances.
Get a quick view of your financial fundamentals
Track your financial composition over time.
Quickly view diversification and identify issues.
The first step to planning your financial future, is to complete the income section of the Net Worth Tracker.
Simply name the source of income, input the annual amount of income from that source,
We allow you to track any source of income that you could possibly want, but some examples include:
Track and manage your spending across different categories.
Calculating your monthly expenses is as simple as entering an expense name, category and amount.
After you've put all of the information about your current expenses, you can easily view a full breakdown of where your money is being spent each month, and identify things you need to refine.
Track your investments, property, and other valuable assets
First, select an asset type from the following categories:
We can then use this information to calculate income from accounts with fixed percentage returns, and display your total diversification, like in the chart below.
Manage your debts, loans, and other financial obligations
Much like assets, liabilities fall under certain categories, but require additional information like the APR% rate of the loan, and the expected payment date.
Get a clear overview of all your entire financial situation.
Easily view the predicted health of your finances.
Get a quick view of your financial fundamentals
Track your financial composition over time.
Quickly view diversification and identify issues.
Couldn’t find the answers that you were looking for?
Getting a good understanding of your financial situation and creating a plan for your financial future is a fundamental step in taking control of your finances.
You do this by working out by providing the Net Worth Tracker with details about your personal financial situation, like your: income, expenses, assets and debts.
We then use this information in combination with our data visualisation and prediction features to allow you to get a clear view of what your financial situation is, and what you need to do to improve it.
As a financial institution, we are overseen by regulatory agencies that work on the behalf of you, the consumer, to keep your data safe and private.
We comply with New Zealand’s Privacy Act 2020, which sets strict rules for how organisations handle personal information. Where applicable, we also align with financial services and cybersecurity guidance issued by New Zealand regulators.
Yes! the Net Worth Tracker feature is completely free to use, and not locked behind any subscription.
eccuity is a smart money management platform, which allows its users to invest in US stocks, ETFs and cryptocurrencies, earn interest on their uninvested capital and get the financial resources, features and tools you need to improve your financial future.
To learn more about who we are, check our our Features page, or our About page.
We benefit from providing you with the ability to plan your finances. Through the hope that you sign-up for eccuity and discover a world of life-changing investing tools and features, and sign-up for one of our membership plans on our Pricing page.