Holdo shows you, in one place, what you have, what you owe and where your money is heading. Free. No sign-up. Your numbers never leave your device.
Start hereTakes about a minute. No account needed. A simple tracking tool, not financial advice.
Holdo is a tool to keep track of your money. You write down what you own and what you owe. Holdo does the maths and shows you the big picture.
Just a simple tool. Holdo is a tracking tool, nothing more than a prettier spreadsheet. It adds up and charts the numbers you type in. It is not a financial adviser or consultant, and it does not give financial advice, recommendations or suggestions about what to do with your money.
Inflation is the reason money that sits still slowly loses value. Here is what it is, how it eats into your wealth, and why so many people choose to invest instead of keeping everything in cash.
Inflation is the general rise in prices over time. If prices go up 3% a year, the same €100 buys a little less every year.
The number in your account does not change, but what it can buy does. This hidden loss is called a loss of purchasing power.
Cash that earns less interest than inflation shrinks in real terms, even though it looks safe. You do not see it happen: your balance stays the same while everyday costs creep up.
The effect is small in one year and large over many. A handy shortcut, the rule of 72: divide 72 by the inflation rate to see how many years it takes prices to double. At 3% that is about 24 years.
Your real return is your interest or growth minus inflation. Savings paying 1% while inflation is 3% have a real return of about −2%: you have more euros, but less buying power.
Only a positive real return makes your wealth grow in what it can actually buy.
| After | Buys as much as | Lost |
|---|---|---|
| Today | €10,000 | – |
| 5 years | €8,626 | −13.7% |
| 10 years | €7,441 | −25.6% |
| 20 years | €5,537 | −44.6% |
| 30 years | €4,120 | −58.8% |
Illustration, not a forecast. Real inflation varies from year to year and from country to country.
Saving keeps money safe and available. Investing aims to make it grow faster than prices rise, so your wealth keeps its buying power over the long term.
| Where it sits | Nominal amount | In today's money |
|---|---|---|
| Cash, 0% growth | €10,000 | €5,537 |
| Invested, 4% growth a year | €21,911 | €12,132 |
Illustration before tax and fees, assuming a steady 4% a year. Real investments go up and down and can lose money, sometimes for years.
Holdo is a tracking tool, not an adviser. This page is general education, not financial advice or a recommendation. For decisions about your own money, speak to a qualified professional.
You cannot manage what you cannot see. Holdo turns your accounts, property and debts into a few clear figures.
Everything you own minus everything you owe. It is the single best number for tracking your financial progress over time.
Holdo shows how much of your cash is lost to inflation each year, what your future balance will really buy, and your real return on cash.
How many months your cash would cover your expenses. A common guideline is to keep three to six months of expenses as an emergency fund.
See your debt compared with your assets, how your money is spread across cash, investments and property, and how much sits in a single holding.
Set your own assumptions for interest, inflation, property growth and investment growth, and see where your net worth could be in 1, 5 or 10 years.
Because everything lives on your device, you stay in control. Save it, move it, or turn it into a report whenever you want.
Holdo is built so that we cannot see your data, even if we wanted to.
The site counts page views with Simple Analytics, which uses no cookies and stores no personal data. Two look-ups also go to other websites: exchange rates (only when you press Update rates) and bank logos from DuckDuckGo's icon service (on by default, and you can switch them off in the app). They reveal the bank's website address and your IP address, never your amounts or other data.
Holdo is a free web app to manage your personal finance. You list what you have (cash, savings, investments, property) and what you owe, and Holdo shows your net worth and how it could grow over the next years.
Press “Start here”, then add your first account: a name, a type, a currency and an amount. Add your debts and monthly expenses too, and Holdo instantly shows your net worth. You can also try it with sample data first.
Holdo is free, has no ads and needs no sign-up, email address or password.
Net worth is everything you own minus everything you owe. If your accounts, savings, investments and property add up to 200,000 and your loans add up to 50,000, your net worth is 150,000. Holdo calculates it for you and shows how it changes over time.
Inflation is the general rise in prices over time. When prices rise 3% a year, the same amount of money buys less each year. Your balance does not change, but what it can buy does. This is called a loss of purchasing power.
If your savings earn less interest than the rate of inflation, they lose buying power even though the balance stays the same or grows slightly. For example, €10,000 kept in cash with 3% inflation a year buys only as much as about €7,441 today after 10 years, and about €5,537 after 20 years.
Cash is safe from market swings but not from inflation. Investments such as funds, shares and property aim to grow faster than inflation over long periods, which helps your wealth keep its buying power. They also carry risk and can fall in value, so invest only money you will not need soon and spread it across different assets. This is general education, not financial advice.
Your real return is your interest or growth minus inflation. Savings paying 1% while inflation is 3% have a real return of about −2%, meaning you can buy less than before. A positive real return means your purchasing power is growing. Holdo shows the real return on your cash.
The rule of 72 is a quick way to estimate how long something takes to double. Divide 72 by the yearly percentage. At 3% inflation, prices double in about 24 years. At 4% growth, an investment doubles in about 18 years.
A common guideline is to keep three to six months of living expenses in easily accessible cash. Holdo's cash runway metric shows how many months your cash would cover based on the expenses you enter. What is right for you depends on your situation.
Holdo lets you set an inflation rate (3% a year by default). It then shows how much your cash loses each year, what your future balance would really buy in today's money, and your real return on cash, in the Future and Reports tabs.
Cash, your net monthly salary, savings, investments, stocks, real estate (including the rent you earn), pensions, companies, crypto and other assets, plus debts such as a mortgage or a loan. You can also add one-off liabilities (like a tax bill) and recurring expenses, monthly or yearly (like rent, subscriptions or insurance), and set your ownership share, for example 50% of an apartment.
29 currencies, including EUR, USD, GBP, CHF, JPY, CAD, AUD, SEK, NOK, DKK, PLN, CZK, HUF, INR, CNY, BRL and AED. You can hold accounts in different currencies and see everything in one display currency.
Holdo projects your net position from 12 months up to 10 years. Interest is paid monthly and compounds, account costs and monthly expenses are deducted, inflation (3% a year by default) reduces the buying power of cash, real estate grows 2% a year and investments 4% a year by default. You can change these assumptions at any time.
No. Holdo is a simple tracking tool, nothing more than a prettier spreadsheet. It is not a financial adviser or consultant and it does not give financial advice, recommendations or suggestions. It only adds up and projects the numbers you type in. Projections are estimates based on your own inputs and assumptions, and real markets and inflation will differ. For decisions about your money, speak to a qualified professional.
No. Holdo shows your numbers and, on the first page of the app, a few simple automatic checks based on rules of thumb, for example how many months of expenses your cash would cover. These are observations about the data you entered, not recommendations or advice, and Holdo never tells you what to buy, sell or do.
Only in your own browser, on your own device. Holdo has no server storage and no database, so your numbers are never sent to us or to anyone else. You can download a backup file at any time.
Holdo sets no cookies and shows no ads. The site uses Simple Analytics, a privacy-friendly service that counts page views without cookies and without personal data, so we can see how many people visit. It never receives your amounts or anything you enter, and your numbers stay on your device. Two features also contact other websites: exchange rates, only when you press Update rates, and bank and brand logos, which are on by default and ask DuckDuckGo's icon service for the website icon of banks Holdo recognises. That reveals the bank's website address and your IP address to DuckDuckGo, never any amounts. You can switch logos off in the Reports tab.
Yes. You can export a JSON backup and import it again later, download Excel or CSV files, and download a full financial report as a PDF with your accounts, debts, charts and a 10-year projection. Everything is created on your device.
Yes, Holdo works in any modern browser on phone, tablet and computer. Because data is stored per browser and never synced through a server, use Export JSON on one device and Import JSON on the other to move your data.
No, and that is on purpose. You type in your own numbers, so no bank login or credentials are ever needed.
Your Holdo data is removed with it, because it lives in the browser, and private or incognito windows forget it when closed. Use Export JSON backup in the Reports tab to keep a copy, and Import JSON to restore it.
Open the Reports tab and press “Remove everything”. This permanently deletes all accounts, liabilities and settings stored in your browser. Export a backup first if you might need it again.
Yes. Holdo is a web app: open it once, then add it to your home screen or install it from your browser, and it keeps opening without a connection because your numbers are stored on your device. Only the optional exchange rates and bank logos need internet.
In the app, press “Update balances” to see every account on one screen, type the new amounts and save once. You can also press the “+” button to add a new account, salary, debt or expense from one place, and use “Save & add another” to enter several in a row.
Yes. When you delete an account or a bill, Holdo shows an Undo button for a few seconds, so there is no confirmation pop-up and nothing is lost by a mis-click.
Free, private and no sign-up. Your numbers stay on your device.
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