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Turbobulls 2.0

Net worth tracker

Your investments and your spending, in one number

Holdings at every broker, your cash, your salary, what you spend and what you owe, added up to one figure that moves over time. Imported from your own files and encrypted on your device.

14 days of everything · Then a free plan that never expires · Export on every plan

Turbobulls2.0Personal
EURjust now
Overview
Wealth Command Center
Where your money stands, what changed it and what needs a look
CurrencyEURAccounts5Holdings14Brokers2
ImportAdd transaction
2025-10-20→2026-10-19
The last 12 monthsEuro area
Net worth
€75,340
Today
+€212+0.3%
This week
+€684+0.9%
This month
+€1,175+1.6%
This year
+€13,205+21.3%
The gap between the lines is what your investments earned.
€55K€60K€65K€70K€75K€80K
Nov 2025Jan 2026Mar 2026May 2026Jul 2026Sep 2026
Money in and outThe last 12 months
Money in
€51,600
€4,300 a month
Spent
€38,700
75% of money in
Invested
€7,200
Moved to your brokers
Kept
+€5,700
Left in your accounts
Where the money went
Housing€14,40037%
Groceries€6,24016%
Transport€3,4809%
Dining out€2,7607%
Utilities€2,2806%
9 more categoriesOpen the Breakdown
Investments14 holdings
Value
€47,310
Cost €40,250
Earned
+€4,380
The last 12 months
Today
+€168
+0.36% on yesterday
Dividends
€671
Next Fri 23 Oct, €31
Moved most, the last 12 months
Vanguard FTSE All-WorldVWRL+€1,920
iShares Core MSCI EM IMIEIMI+€860
iShares Core S&P 500SXR8+€740
Vanguard EUR Eurozone Government BondVETY-€410
TeslaTSLA+€390
9 more holdingsOpen the Portfolio
Accounts5 open
Cash
€24,180
In 4 accounts
Owed
€2,550
On 1 card or loan
To check
3
Not matched to the bank yet
Cash runway
7.5 months
Of spending, from cash
Balances today
Everyday account3 to check€6,240
Savings€14,600
Holiday fund€2,890
Cash€450
Credit card-€2,550
5 accountsOpen the Wallet
Coming up
Coming in +€4,331Going out -€1,800Next 5 weeks, scheduled and expected
FRI23Vanguard EUR Eurozone Government BondDividend, expected+€31
MON26RentHousing · Everyday account-€1,200
FRI30SalaryMoney In · Everyday account+€4,300
SAT31Into SavingsEveryday account to Savings€400
MON2To your brokerEveryday account-€600
2 more in the next 5 weeksScheduled in the Wallet
Needs a look
2 to do4 going wellFrom your accounts, holdings and health checks
3 transactions are not checked against your bank yetTick them off when your statement shows them, so balances match the bank.Check them
12 transactions have no categoryIn your latest month. Until they are sorted, the Breakdown and the Budget see them as Uncategorized.Sort them
You kept 25% of what came inSavings rate scores 100 of 100.Details
Cash covers 7.5 months of spendingCash runway scores 100 of 100.Details
Your investments earned 9.8% a yearCounting when you bought and sold.Open the Portfolio
1 moreSee all
Financial independenceAt 25 times a year of spending
8%of the way there
About 27 years at the current pace, around 2053
€75,340 now€967,500 needed
Needed
€967,500
25 years of spending
Spending a year
€38,700
At the period's pace
Saving a year
+€12,900
Money in less spent
Could take out a year
€3,014
4% of net worth
Financial healthTarget 70
82of 100, good
From 12 checks of your accounts, spending and holdings
0100
Fundamental
88counts double
Performance
76counts 1.5 times
Advanced
79counts once
Momentum
59
Growing faster lately
Steady income
72
Money in varies a little
Cash share
78
31% of your net worth is cash
Every check
12
See each one and why
All figuresThe last 12 months
Growth
Net worth change+29.3%+€17,090
Wealth velocity+€47 a dayThe last 12 months
Growth rate+6.1% a yearMoney put in not counted
Momentum+18%Growing faster lately
Best month+€2,555May 2026
Returns
Time-weighted return+10.4%Over the period
Money-weighted return+9.8% a yearYour timing counted
Gain on what you hold+17.5%+€7,060 not sold yet
Multiple on invested1.18xBack and held, for each 1 put in
Holdings in profit79%11 of 14
Risk
Sharpe ratio1.12Good for the swings
Largest fall-6.2%From a high to the low after it
Return volatility11.8%How much a year swings
A typical month±2.4%Net worth, up or down
Worst month-€195April 2026
Cash and costs
Cash runway7.5 monthsOf spending, from cash
Savings rate25%Of money in, over the period
Cash share31%Of net worth, aim about 20%
Debt3.3%Owed, of what you own
Fees and taxes€2144.9% of the gain
The Overview on sample data: net worth against the money you put in, and what changed it over the last twelve months.
What goes into it

What is your net worth made of?

The cash in your accounts, your investments, the cash at your brokers and what you owe, in one figure.

Every account, and every debt

Current accounts, savings, cash, cards and loans, with the cash you have, what you owe and what that leaves. Cards and loans count against the total, because a net worth that leaves out what you owe is not one.
  • On every plan, free included
  • The cash sitting at your brokers counts too
Cash in your accounts€24,180€2,550 owed on cards and loans, €21,630 net
Current accounts€6,240
Savings€17,490
Cards-€2,550
Other€450
Moved to brokers (2)
Interactive Brokers€5,264
Revolut€1,136
TransactionCategoryAccountAmount
1 scheduled aheadRent, 1 Nov -€1,200.00
Sat 17 Oct
SupermarketGroceries · Everyday accountGroceriesEveryday account-€58.40
Fri 16 Oct
BakeryGroceries · CashGroceriesCash-€9.70
RestaurantDining out · Credit cardDining outCredit card-€46.80
Thu 15 Oct
Farmers' marketGroceries · CashGroceriesCash-€23.75
ElectricityUtilities · Everyday accountUtilitiesEveryday account-€86.40
Wed 14 Oct
To Holiday fundTransfer · Everyday accountTransferEveryday account-€250.00
From Everyday accountTransfer · Holiday fundTransferHoliday fund+€250.00
Mon 12 Oct
SupermarketGroceries · Everyday accountGroceriesEveryday account-€96.30
Train ticketsTransport · Credit cardTransportCredit card-€32.00
Fri 9 Oct
EmployerSalary · Everyday accountSalaryEveryday account+€4,300.00
Bank interestInterest · SavingsInterestSavings+€40.00

Every holding, at every broker, once

The same fund at two brokers is one holding, with its value, its weight in the portfolio and its total return, and the split by broker a click away.
  • Stocks, ETFs, bonds and crypto at market prices, updated every 15 minutes
  • Grouped by type, broker, currency or tag
Portfolio tracking

Holdings

14 · €47,310
Find a holdingSold 2Group by Nothing
AssetValueWeightTodayTotal return
VWRLVanguard FTSE All-World · 180 shares€21,840+35%€21,840€121.3346.2%+0.30%+€66+€5,610+35%
EIMIiShares Core MSCI EM IMI · 172 shares€5,620+22%€5,620€32.6711.9%+0.62%+€35+€1,020+22%
VETYVanguard EUR Eurozone Government Bond · 230 shares€4,980+4%€4,980€21.6510.5%-0.08%-€4+€185+4%
SXR8iShares Core S&P 500 · 4.65 shares€3,410+57%€3,410€733.337.2%+1.20%+€41+€1,240+57%
BTCBitcoin · 0.0182 shares€1,690+109%€1,690€92,857.143.6%+1.20%+€20+€880+109%
ASMLASML Holding · 2 shares€1,660+34%€1,660€830.003.5%+0.88%+€15+€420+34%
TSLATesla · 5 shares€1,650-16%€1,650€330.003.5%-0.35%-€6-€310-16%
XAUGold · 0.4 shares€1,600+17%€1,600€4,000.003.4%-0.02%-€0+€232+17%
Showing 8 of 14Show all 14

Track anything with a price

Your flat, your gold, a painting, a stake in a startup. Add it as a custom asset in its own currency, give it a price whenever you know one, and it counts in your net worth and your returns like a listed share.
  • Bring a whole price history in from a file, or add prices one by one
  • Or price it from your own data provider, and it keeps itself up to date
  • Turbobulls can estimate the days between your prices
  • Real estate, metals, art, collectibles, deposits, private companies and more
Apartment, Cluj
Fill in the details for this asset
Asset pricing
Track this asset's value over time by adding price points
Import from file
39 prices from valuations.csv are in the list. Save the asset to keep them.
Latest
€174,000.00
All-time
+17.6%
Trend
Sep 1, 2026
Latest
-0.3%€174,000.00
Aug 1, 2026
-0.2%€174,510.00
Jul 1, 2026
+0.1%€174,810.00
Jun 1, 2026
+0.3%€174,720.00
May 1, 2026
+0.6%€174,130.00
Showing 25 of 39 pricesShow 14 more
Estimate prices between pointsLinear interpolation
CancelSave
Financial health

How healthy is it?

Twelve checks of your accounts, your spending and your holdings, in one score, and what needs a look.

One score from twelve checks

Saving, cash, debt and returns are each checked and scored, the fundamental ones counting double, into a score out of 100 against a target of 70. Open it to see every check and why it scored what it did.
  • On every plan, free included
  • Your weakest checks first, so you know where to start
How the score works
Financial healthTarget 70
82of 100, good
From 12 checks of your accounts, spending and holdings
0100
Fundamental
88counts double
Performance
76counts 1.5 times
Advanced
79counts once
Momentum
59
Growing faster lately
Steady income
72
Money in varies a little
Cash share
78
31% of your net worth is cash
Every check
12
See each one and why

What needs a look, and what is going well

Transactions not yet checked against your bank, payments with no category, and the things going well, each with what to do next.
  • The first two on every plan
  • The whole list, scored again every week, on any paid plan
Needs a look
2 to do4 going wellFrom your accounts, holdings and health checks
3 transactions are not checked against your bank yetTick them off when your statement shows them, so balances match the bank.Check them
12 transactions have no categoryIn your latest month. Until they are sorted, the Breakdown and the Budget see them as Uncategorized.Sort them
You kept 25% of what came inSavings rate scores 100 of 100.Details
Cash covers 7.5 months of spendingCash runway scores 100 of 100.Details
Your investments earned 9.8% a yearCounting when you bought and sold.Open the Portfolio
1 moreSee all
Financial independence

How far are you from not needing to work?

Worked out from both sides of your money: what you have, what you spend and what you save.

Your path to financial independence

On Turbo Pro
Twenty-five years of your spending is the target. Turbobulls shows how much of the way you are, how long it would take at your current pace, and what you could take out a year, worked out from what you earn, spend and save.
  • Needs both sides of your money, which is why it comes with the full plan
  • Changes as your saving and spending change
How the progress is worked out
Financial independenceAt 25 times a year of spending
8%of the way there
About 27 years at the current pace, around 2053
€75,340 now€967,500 needed
Needed
€967,500
25 years of spending
Spending a year
€38,700
At the period's pace
Saving a year
+€12,900
Money in less spent
Could take out a year
€3,014
4% of net worth
All figures

What do the numbers say?

Growth, returns, risk, cash and costs: every figure of your net worth on one card.

Every figure, in four groups

How fast your net worth grows, what your investments return, how much they swing, and what your cash and costs come to, each figure with what it means under it.
  • Net worth change, wealth velocity, growth rate, and the time-weighted and money-weighted returns on every plan
  • Sharpe ratio, largest fall, volatility and the rest of the risk figures PRO
What wealth velocity tells you
All figuresThe last 12 months
Growth
Net worth change+29.3%+€17,090
Wealth velocity+€47 a dayThe last 12 months
Growth rate+6.1% a yearMoney put in not counted
Momentum+18%Growing faster lately
Best month+€2,555May 2026
Returns
Time-weighted return+10.4%Over the period
Money-weighted return+9.8% a yearYour timing counted
Gain on what you hold+17.5%+€7,060 not sold yet
Multiple on invested1.18xBack and held, for each 1 put in
Holdings in profit79%11 of 14
Risk
Sharpe ratio1.12Good for the swings
Largest fall-6.2%From a high to the low after it
Return volatility11.8%How much a year swings
A typical month±2.4%Net worth, up or down
Worst month-€195April 2026
Cash and costs
Cash runway7.5 monthsOf spending, from cash
Savings rate25%Of money in, over the period
Cash share31%Of net worth, aim about 20%
Debt3.3%Owed, of what you own
Fees and taxes€2144.9% of the gain
Imports

Do you have to type it all in?

No. Bring your brokers' and your bank's own files in, in three steps.
  1. history_2021-2026.csv1,248 rows · 184 KBCSV
    statement_oct_2026.xlsx312 rows · 96 KBXLSX
    1

    Export your history

    Download it from your broker or bank: the file it already gives you.

  2. history_2021-2026.csvCSV
    Drop your file here
    or choose one
    Read on this device. Your file is never uploaded.
    2

    Drop the file in

    Files, not logins. It is read on your device and encrypted before anything reaches us, so we cannot read your data.

  3. Review before importing248 rows
    VWCEBuy-€1,689.60
    VWRLDividend+€96.40
    EIMIBuyDup
    Import 245 transactions
    3

    Check it, then import

    Every trade, dividend and fee as your broker booked it, with duplicates marked. Nothing is saved until you import.

Ready-made for 60+ brokers, banks and apps

Import a file
Where does your file come from?
Search 60+ brokers and banksAllInvestmentsBank statements
Popular
  • Trading 212Investments · CSV
  • Interactive BrokersInvestments · CSV
  • DEGIROInvestments · CSV
  • eToroInvestments · XLSX / CSV
  • RevolutInvestments · XLSX / CSV
  • XTBInvestments · XLSX / XLS / CSV
  • Trade RepublicInvestments · CSV
  • 50+ moreAll, A to Z

Names and logos belong to their owners and only show which export files Turbobulls reads. Turbobulls is not affiliated with or endorsed by them.

Anything else comes in through Generic CSV: you match its columns once.

Broker, bank and app names and logos belong to their owners and appear only to show which export files Turbobulls reads. Turbobulls is not affiliated with, endorsed or sponsored by any of them. To have a logo removed, write to hello@turbobulls.com.

End-to-end encrypted

Who can see your net worth?

Only you. It is encrypted on your device before it is saved, so we cannot read it, on any plan.

Encrypted on your device, before it is saved

Your data is encrypted in your browser with AES‑256 and stored on our servers as ciphertext. The key opens only with your workspace password or its recovery key, and the password never leaves your device.
  • Each workspace has its own keys
  • Files, not logins: we never ask for your bank or broker password
  • Paid for by subscriptions: no ads, no advertising trackers in the app, no data sales
How the encryption works
End-to-end encryptedEncrypted in this browser before it is saved. We cannot read your portfolio or wallet data.How it works
How your data is protected
What is encrypted, what is not, and what the password and the recovery key do.
On this device

Your portfolio and wallet data is encrypted in this browser, with AES-256, before it is saved. The key opens only with your workspace password or its recovery key.

On our side

We store that data as ciphertext and cannot read it. What stays readable is your email address, and the type and time of each record.

Changing the password

It asks for the current password or the recovery key first. The key is then wrapped again under the new password, so nothing has to be uploaded again. A new recovery key replaces the old one.

The recovery key

The only way back in if the password is lost. We cannot reset it for you. A new one can be made with your current password; the old one then stops working.

Features marked PRO come with Investing Pro or Turbo Pro, and every new account has them free for its first 14 days. See plans →

Questions about tracking your net worth

What people ask before they add it all up.

Add it all up, privately

14 days of everything, then a free plan that never expires.