A net worth tracker built for UK finances.
Cash, ISAs, pensions, investments, property and debts — one honest number, tracked over time, without linking a bank account.
Why one number matters
Your bank app shows one balance. Your pension provider shows another. Your broker shows a third. None of them shows the thing that actually matters: the whole picture.
Everything you own
Current accounts, savings, ISAs, SIPPs and workplace pensions, GIAs, property and anything else of value — recorded once, totalled automatically.
Minus everything you owe
Mortgages, loans and credit balances sit alongside your assets, so the number reflects reality rather than optimism.
Tracked over time
Each update adds to your history, so you see the trend — the part spreadsheets make hard and bank apps make impossible.
One base currency
Hold money in more than one currency? Everything is normalised with current FX rates into the currency you think in.
No bank linking
You enter or import your own figures. No open banking, no shared credentials, no third party reading your transactions.
Household-ready
Track alone, or combine chosen figures with a partner in a private Family Space for a true household net worth.
Net worth is the most honest financial number you have: everything you own, minus everything you owe. It cuts through the noise of individual balances and tells you, in one figure, whether things are moving in the right direction.
UK finances make that number surprisingly hard to see. Money sits across wrappers — an ISA here, a workplace pension there, a SIPP from an old job, a GIA, Premium Bonds, a mortgage offset — each with its own login, statement cycle and format. Most people either give up, or maintain a spreadsheet that slowly becomes a chore.
Tsang Portal replaces that chore with a private net worth tracker. You record each account once, update balances when it suits you (monthly works well), and let the portal do the rest: investments valued with market prices, currencies normalised, liabilities subtracted, and history charted so progress is visible rather than imagined.
And unlike most money apps, it asks for nothing in return. There is no bank linking — no open-banking permissions, no credentials handed to a third party, no transaction feed being analysed. You decide what the tracker knows. If you ever want to leave, your data exports to CSV in one click.
If you're working toward financial independence, the same number drives your progress: see financial freedom planning, or get a quick estimate with the free UK FIRE calculator. Moving from a spreadsheet? Read why Tsang Portal instead of a spreadsheet.
Questions, answered
What is a net worth tracker?
A net worth tracker is a tool that adds up everything you own — cash, savings, ISAs, pensions, investments, property — and subtracts everything you owe, such as mortgages, loans and credit balances. The result is one honest number, tracked over time, that shows whether your overall financial position is improving.
Can I track my net worth without linking my bank account?
Yes. Tsang Portal is built around exactly that: you enter or import balances yourself, so no bank connection or open-banking permission is ever needed. Your banking credentials are never shared with anyone.
Does it handle UK accounts like ISAs, SIPPs and workplace pensions?
Yes. UK finances are wrapper-heavy — ISAs, SIPPs, workplace pensions, GIAs, Premium Bonds, property — and the tracker is designed so all of them sit alongside cash and debts in one base-currency view.
How often should I update my net worth?
Monthly works well for most households. Investment values update with market prices automatically; cash and pension balances take a few minutes to refresh each month. The history then builds itself into a trend you can actually see.
Is it free?
Yes — you can get started free, with no credit card required.
See your whole wealth picture in one private dashboard.
Free to start. No bank linking. No credit card required.
Start tracking your net worth