Open source · Self-hostable · AGPLv3
Nuvio brings together budgets, investments, loans, and net worth — across every currency — so you always know where you stand.
Net Worth Movement
Details →Year at a Glance
Investments
Global ETF
Broker NL
US Tech Fund
Broker US
Pension fund
Sound familiar?
| A | B | C | D | E | F | ||
|---|---|---|---|---|---|---|---|
| 12 | Account | Currency | Balance | EUR equiv. | Last updated | Notes | |
| 13 | NL Checking | EUR | 12,400 | 12,400 | 2024-01-15 | ||
| 14 | US Savings | USD | 8,200 | #REF! | 2023-10-01 ⚠️ | old rate! | |
| 15 | BR Invest. | BRL | 45,000 | manual → | update this | ||
| 16 | Pension | EUR | ??? | N/A | ask HR | ||
| 17 | =SUM(D13:D16) |
01
One stale rate breaks everything
Your USD balance is in a formula that references a tab you updated 3 months ago. Now D14 is #REF! and your total is wrong.
02
You can't see if you're on track
The spreadsheet shows balances. It doesn't tell you whether you're overspending, undersaving, or how a loan affects your net worth.
03
Complexity kills the model
Add a pension, a mortgage, and a brokerage account and you're maintaining six tabs, three VLOOKUP chains, and one very fragile sheet.
Full net worth picture
Assets, loans, investments, and cash — all tracked together and converted to your base currency. See how every part moves your total.
Real multi-currency support
Every account carries its own currency. FX transfers record the rate, fees, and taxes used. No assumptions, no rounding errors.
Budget vs actual
Plan your year by category. Record transactions against it. See monthly variance with clear on-track / over-budget signals.
Investment & loan tracking
Track portfolio returns separately from contributions. Model loan amortization. Link collateral assets to see your loan-to-value ratio.
Self-hostable & open source
Run it yourself on your own infrastructure. Your financial data stays on your server. AGPLv3 licensed — fully auditable.
Built for complexity
Income in one currency, savings in another, investments in a third. Nuvio handles the full picture without losing any detail.
| Feature | Nuvio | Spreadsheet |
|---|---|---|
| Multi-currency accounts | ✓ | ✗ |
| Net worth tracking | ✓ | Manual |
| Budget vs actual | ✓ | Manual |
| Investment portfolio | ✓ | Manual |
| Loan amortization | ✓ | ✗ |
| FX transfers with rates & fees | ✓ | ✗ |
| Self-hostable | ✓ | ✓ |
| Open source | ✓ | ✗ |
Join the waitlist or self-host it yourself. Open source, no lock-in.