Inveriok
Net worth calculator: everything you own, everything you owe
Bring your accounts, investments, property and debts together in one place and see how your net worth evolves month by month, without building your own spreadsheet.
Three steps, zero spreadsheets
Add your assets
Accounts, savings, investments, property — everything you own.
Add your debts
Loans, cards, mortgage — everything you owe.
See your real number
Inveriok calculates your net worth and keeps a month-by-month history.
How to calculate your personal net worth
Net worth is the most direct formula for knowing your real financial situation: assets minus liabilities. Assets include your current and savings accounts, your investments (funds, shares, cryptocurrencies), real estate and any other valuable possessions. Liabilities are your debts: mortgage, personal loans, car financing or outstanding balances on credit cards.
Unlike looking only at your current account balance, net worth gives you the full picture: you can have little cash on hand but a solid net worth if your investments have grown, or the other way round, a high income but a low net worth if you're carrying significant debts. It's the indicator that truly measures progress towards financial freedom, more than your monthly salary.
Inveriok calculates your net worth automatically from the accounts, investments and debts you record, and keeps a monthly history so you can see the real trend. It's also the foundation the retirement simulator is built on: without knowing your starting net worth, any projection of savings for the future is just a blind estimate.
Everything you need, nothing you don't
- ✓Assets and debts split by category
- ✓Monthly evolution history
- ✓Updates automatically with your transactions and investments
- ✓The basis for your retirement simulator
- ✓Included in the Free plan
Frequently asked questions
It's the sum of everything you own minus everything you owe: accounts, investments and property, minus loans and cards.
We add up your recorded assets and subtract your debts. It updates every time you add a transaction.
Yes, we keep a monthly history so you can see whether your net worth is growing, holding steady or falling.
Your security is our priority
We don't use Open Banking. We never access or store your banking credentials at any time.
All communication between the app and our servers uses HTTPS.
Row Level Security: no other user, not even with technical access to the system, can see your data without your credentials.
We comply with the European Union's General Data Protection Regulation.
No. Inveriok has no connection to your bank accounts — you enter transactions by hand or import a statement. We never access your credentials or act on your behalf.
Not without your credentials. The database uses Row Level Security: each user can only access their own data, not even with technical access to the system.
No. We never sell your data or share it for advertising purposes.
Your account and all your financial data are deleted immediately and permanently, with no backups — you can do it whenever you want from your profile.
Know your real number today
Calculate your net worth in minutes. It's free and no card is required.
Calculate my net worth