Most personal finance tools handle either day-to-day spending or investment tracking, but rarely both. Spendly brings your full financial picture together — cash, spending, budgets, and investments — in one application.
Why Track Investments Alongside Spending
Your investments and your daily finances are part of the same picture. Knowing your total net worth — not just your checking account balance — helps you make better financial decisions. Spendly shows you how your investment portfolio fits into your overall financial health.
- Complete net worth view combining cash, savings and investment holdings
- A value history for each holding, so you can see the trend rather than just today’s number
- Currency-aware — a holding denominated in dollars still rolls into a sterling net worth correctly
- Integration with budgeting so you can plan contributions alongside regular expenses
What You Can Track
Spendly tracks eight kinds of holding:
- Stocks — individual company shares
- ETFs — exchange-traded funds and index trackers
- Mutual funds
- Bonds — government and corporate fixed income
- Crypto
- Cash — deposits and holdings you want counted as an asset rather than a spending account
- Real estate — a flat, a house, a plot of land
- Other — anything else you want inside your net worth
How Valuations Work
Spendly does not pull live market prices. You record what a holding is worth, on a date, and Spendly keeps that series.
That sounds like more work than it is. In practice you update a holding when you’d actually look at it anyway — once a month, or each quarter — and copy the figure from your broker, your exchange, or an estate agent’s valuation. Each entry takes a few seconds and can carry a note explaining it (“post-rebalance”, “Zoopla estimate”).
The upside is that this handles the assets a price feed can’t. A ticker-based tracker has nothing to say about your flat, your pension, a private company holding, or the cash sitting in a foreign account. In Spendly those sit in the same list as your ETFs and count toward the same net worth figure.
The trade-off is honest: between updates, a holding shows its last recorded value. Spendly tells you what you told it, on the date you told it.
International Holdings
This is where Spendly earns its keep. Each holding is denominated in its own currency, and multi-currency support converts everything into your base currency at daily rates.
So a US brokerage account in dollars, a European ETF in euros and a flat valued in dirhams all appear in one net worth figure — and when the exchange rate moves, that figure moves with it, which is the honest picture for anyone whose assets sit in different currencies from the one they spend in.
How Investment Tracking Fits Your Financial Plan
Investment tracking in Spendly isn’t just about watching numbers go up or down. It connects to your broader financial plan:
- See total net worth across all accounts and assets
- Balance contributions by using budget planning to set aside money for regular investing
- Understand the full picture with spending reports that combine spending patterns with portfolio performance
Who This Suits
This is built for people who want their assets counted in a net worth figure — not for watching prices tick.
It fits when your holdings are spread across countries and currencies, and it handles the things a price feed can’t quote — property, pensions, private holdings — alongside your ETFs and crypto, all inside one net worth figure.
Investing across international markets? Read our guide on managing finances in multiple currencies for tips on handling multi-currency portfolios.
See how your investments contribute to your overall financial health with the net worth tracker, and set savings goals to plan your investment contributions.