Beta — Dashboard previews on this page are illustrative samples, not real user data.
Stocks, ETFs, crypto, gold, property, vehicles and cash — tracked together in one portfolio, in your currency.
And the part most trackers skip: how much of the change was your capital working, and how much was just the exchange rate.
You enter what you own. We never ask for a bank or brokerage login, because there is nothing to connect.
Sample portfolio shown for illustration only. Not real user data.
Most people keep their money in more than one place. Some in a brokerage account, some in a bank account, some in property or gold that only exists as a mental note. Every app shows its own slice, and the slices rarely agree with each other.
The problem shows up at the worst possible time. Your portfolio is up, but you are not sure if that is real gain, a weaker currency, or just this month's deposit. Big decisions get made on numbers that, it turns out, were never complete.
NetWort exists to answer that. Not to be one more app, but to bring everything you own into one number you can actually trust. Currency effect is already separated out, deposits are already excluded, and the whole thing recalculates every night so it stays current.
Most trackers stop at your brokerage account. Your house, your gold, your car and your savings are usually the larger half of your net worth. If all of that only lives in a spreadsheet nobody updates, decisions about asset allocation end up resting on numbers that are already out of date.
US markets and the Indonesia Stock Exchange, priced automatically every day.
100 major coins priced from live exchange data, on a 7-day calendar.
Gold, silver, platinum and palladium — held by the gram, valued at spot.
Property compounded from your purchase price at a rate you set. Defaults to 3% a year.
Depreciation modelled honestly. A car defaults to −10% a year, because that is what cars do.
Watches, bags and collectibles, with separate curves for collectible and standard pieces.
Savings, deposits, CDs and bonds, compounding at the rate you actually earn.
Buy in one currency, read your total in another. IDR, USD, EUR, GBP and SGD are one tap away.
Everything is entered by you. Prices are then fetched for you automatically — stocks, ETFs, crypto and metals from standard market data feeds, exchange rates refreshed through the day.
A rising line feels like success. Often it is just deposits, or a currency moving underneath you. NetWort separates the three so you can see what your capital actually did.
This is not just a promise. Here is how NetWort actually keeps these numbers apart.
If your portfolio rose by 20,000 and you paid in 15,000 of that yourself, your capital earned 5,000 — not 20,000. NetWort strips net contributions out of every single month before reporting gain, so your salary never shows up as investment performance.
Illustrative figures
Hold US stocks while the rupiah slides and your total climbs without a single asset gaining value. NetWort reports the bridge explicitly: what your investments did, what the exchange rate did, and the total of the two.
Illustrative figures
Every asset you own is doing one of three things. NetWort groups them that way everywhere — in your holdings, in your allocation, and in the attribution of every gain.
Stocks, ETFs and crypto
The part that compounds fastest and falls hardest. Priced automatically, scored, and charted down to the individual transaction.
All three sleeves roll into one total — and when you ask where a gain came from, you get the answer by sleeve, then by asset.
Not a wall of metrics. Four tools, each built to settle one thing you were unsure about.
Is this asset any good?
One number from 0 to 100 for a single stock, ETF or coin — built from six metrics across four pillars. It is a transparent weighted formula, not a black box, and it deliberately pulls toward a neutral 50 when an asset has less than about three years of history, so a new listing on a lucky run cannot fake a high score.
How risky is what I have built?
Your money-weighted return (XIRR), volatility, Sharpe ratio, maximum drawdown and beta — each colour-coded against the same thresholds the in-app tooltips explain, so you can read the card at a glance and dig in when something turns amber.
What could the next few years look like?
One thousand simulated paths, driven by your own portfolio's five-year risk and return. Stocks and crypto are simulated with their historical volatility, metals with spot volatility, and real assets grow deterministically — because that is how they actually behave.
Simulated outcomes based on past behaviour. Not a forecast of your results.
What else should I be looking at?
Search stocks, ETFs and crypto, then sort by Health Score, 3-year return, volatility, maximum drawdown, Sharpe ratio or one-year odds of profit. Filter by market, asset type and risk level.
Hide every figure on screen with one tap — including chart labels and tooltips.
The whole product, in either language, switchable at any time.
An optional short-range projection drawn over your portfolio chart, refreshed nightly.
Prices sync daily, exchange rates every 15 minutes, analytics rebuild overnight.
Analytics are informational, not investment advice.
The market page is open to everyone. No login, no email, no trial. Come for the heat map, decide about the portfolio later.
A running strip of major indices, currencies and commodities.
The NetWort Market Sentiment Index per market, alongside the VIX, recomputed hourly.
US equities, crypto, ETFs and the IDX — each on its own tab.
A live market news feed, in English or Bahasa Indonesia.
Rates, inflation, growth and currency indicators drawn from FRED, the World Bank, DBnomics, BPS Indonesia and the OECD — scored into a single read of the environment, with derived signals for the real yield, the USD/IDR impact and where the rate cycle sits.
Macro Context is available once you sign in.
There is no bank connection to authorise and no data-sharing consent to read, because NetWort never asks for access to your accounts.
Sounds like a hassle? It is not. Here is what the three steps actually look like.
Continue with Google, or have a one-time code sent to your email. There is no password to invent and no password to lose.
or get a code by email
For a stock or coin, enter the symbol, date, quantity and price — we look up the price for that date so you do not have to. Property, metals and cash each take a single short form.
Your total across every asset class, your gain with deposits stripped out, your risk profile, and a straight answer on what is driving the result.
Free while in beta. No card required.
You do not have to enter your whole life on day one. Put in one holding, see how the number behaves, and build from there.
Free while in beta. No card, and nothing to connect.
Sample portfolio shown for illustration only. Not real user data.
Articles on measuring returns, reading risk and making sense of Indonesian markets, worked through with real figures.
Straight answers about what NetWort does and doesn't do
NetWort is free while it is in beta. There is no payment step, no card required and no usage limit today. If paid plans are introduced later, existing accounts will be told well before anything changes.
No, and you cannot. NetWort has no account-linking of any kind. You enter what you own yourself, and we fetch prices for those symbols automatically — stock, ETF, crypto and metal spot prices, from standard market data feeds. Your credentials never touch the product because we never ask for them.
A 0–100 score for an individual stock, ETF or cryptocurrency, built from six metrics across four pillars: risk-adjusted return (Sharpe), risk and resilience (volatility and maximum drawdown), consistency (3-year probability of a positive return and 3-year median return), and market dynamics (52-week position and beta). It is a transparent weighted formula, not a machine-learning model, and it is weighted down toward a neutral 50 when an asset has less than roughly three years of price history. It is currently version 3 and is not investment advice.
Because money you deposit is not a gain. If your balance rises 20,000 and you added 15,000 of that yourself, your capital only earned 5,000. NetWort strips net contributions out of every month before reporting gain, so the number you see is what your capital actually did. If you hold assets in more than one currency, we also split the result into investment gain and currency effect so a weaker or stronger home currency is never mistaken for performance.
Yes. The whole product runs in English or Bahasa Indonesia, and you can set your display currency to IDR. Indonesian listings from the IDX are covered alongside US markets, the market heat map includes an IDX tab, and the macro page carries Indonesia-specific indicators sourced from BPS and international statistical databases.
Stock, ETF and cryptocurrency prices come from standard market data feeds, and exchange rates are cached and refreshed continuously through the day. Macro indicators are drawn from FRED, the World Bank, DBnomics, BPS Indonesia and OECD. Market heat maps and the news timeline are TradingView widgets. Prices are indicative and are not a substitute for your broker's statement.
Because the formula is open, not tuned to look good. Every pillar and its weight is shown in the Analysis section of this page. Assets with a short price history get pulled toward a neutral score automatically, so a new listing on a lucky run cannot look better than it really is.
There are no bank or brokerage credentials to leak, because we never ask for them. Sign-in is Google or a one-time code sent to your email, so there is no password stored at all. The assets you enter are stored on our servers and only reachable through your own account.