Most people's money lives in five or six places at once: a brokerage, one or two crypto exchanges, an on-chain wallet, a current account, a savings pot, maybe some property. Each app shows you its own slice, and none of them shows you the total. So the simplest question, "what am I actually worth?", takes a spreadsheet afternoon to answer.
It doesn't have to. Here's how to bring it all into one place and keep it there.
Why it's harder than it should be
- Finance apps treat crypto as an afterthought, when they support it at all.
- Crypto apps ignore your bank and broker.
- US apps can't see European accounts.
- Spreadsheets work, until they go stale the week you get busy.
What a complete picture actually needs
To get one honest number, you need to capture, and keep current, five things:
- Crypto: exchange balances and self-custodied wallets.
- Stocks & ETFs: your brokerage positions, at live prices.
- Cash & savings: current and savings accounts.
- Real estate & private assets: valued by you.
- Liabilities: the mortgage and loans, because net worth subtracts what you owe.
How to bring them together
The trick is to automate what you can, capture the rest by hand once, then let prices update themselves:
- Crypto exchanges connect with read-only API keys, never trade or withdrawal access (here's why that's safe).
- On-chain wallets connect by public address, no keys at all.
- Brokers (Trading 212 and Interactive Brokers) sync your positions read-only.
- Stocks, ETFs, crypto and FX prices update automatically, so your totals move with the market.
- Banks connect via open banking, a secure bank-login consent, no keys to manage.
- Everything else (a niche broker, your flat, a private loan) goes in manually or via CSV, once.
Do that, and the spreadsheet afternoon becomes a glance.
One number, kept honest
The point of pulling it all together isn't a prettier dashboard. It's a single, trustworthy figure you can watch over months and years: assets minus liabilities, in your own currency, updating itself. That's the number that actually tells you whether you're moving forward.
Doing it privately
Bringing your whole financial life into one app is also the moment to ask where that picture lives. Krosos gives every customer their own isolated database with its own encryption keys, so your data never shares tables or storage with anyone else, keeps connections read-only, and lets you export everything and leave whenever you want. It tracks stocks, cash, funds, property and your liabilities, plus crypto (exchanges and on-chain wallets), all in one EU-hosted place.
See exactly how it's protected and everything it connects to, or compare the options in the best net-worth trackers in Europe.