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Real estate
Primary residence, rental investment or property shares: track what your property is worth and manage the loans attached to it.
Real estate is often the largest share of a net worth, and the least tracked: the property's value moves, the loan amortises every month, and the net picture, what the property is worth minus what is still owed, takes a constant recalculation. Finvygo does that math for you, continuously.
Add your properties in minutes, attach their loans, and see your real estate net worth sit alongside your other assets: stocks, savings, cash. No bank connection: you declare what you own, the app requires no personal data and your data is yours.
What you can do
Add your property
Primary residence, rentals, property shares, land: as many as you need.
Attach your loans
Link mortgages to each property and track the outstanding balance.
Track the value
Update the estimated value and see the unrealised gain.
Measure the yield
Track the rent you collect and the yield on your rental investments.
Simulate a renegotiation
Estimate the effect of renegotiating a loan on your net worth.
Net position
Your property net worth, loans deducted, at a glance.
Why track your real estate net worth?
A property is not a fixed number. Its market value moves, the outstanding balance on its loan drops with every monthly payment, and it is the difference between the two, the net value, that actually matters in your net worth. Without a tool, that net value only gets recalculated when you sell or meet your bank.
Tracking real estate alongside the rest of your net worth changes how you read it: you see the real weight of property in your allocation, the effect of loan amortisation month after month, and the unrealised gain on each property compared to its purchase price.
How Finvygo handles your properties
Each property is its own entry: primary residence, rental investment, shares in a property company, land or a property abroad, for example. You enter the purchase price, the current estimated value and, if the property is jointly owned, your ownership share: your portfolio only shows the part that is actually yours.
The estimated value updates whenever you decide, in two clicks from the property page. History is kept: the evolution chart shows the property's trajectory, and the unrealised gain is recalculated with every update.
Loans, rent and rental yield
A mortgage attaches directly to its property: monthly payment, rate, term, insurance. The outstanding balance amortises automatically with every payment and is deducted from your net worth. The full amortisation schedule is available at any time.
For a rental property, enter the rent and expenses: Finvygo calculates the yield and cash flow, for both long-term and short-term rentals. And if you are weighing a renegotiation or an early repayment, the built-in loan simulator estimates the effect on your monthly payments and total cost.
Frequently asked questions
How do I track a property and its loan in the same place?
Add the property first with its estimated value, then attach its loan: monthly payment, rate and term are enough. Finvygo calculates the outstanding balance at every payment and shows the property's net value, loan deducted, within your overall net worth.
Can I track shares in property funds or REITs?
Yes. Property shares, REITs or non-traded property funds, for example, are supported: listed vehicles are valued automatically at market price, while non-listed shares are tracked at the redemption value you enter. Dividends received can also be tracked.
How is my property's net value calculated?
Estimated property value minus the outstanding balance of any attached loans. The estimated value is one you enter and update freely; the outstanding balance amortises automatically with each payment.
Can I track a rental investment and its yield?
Yes. Enter the rent you collect and the property's expenses: Finvygo calculates the yield and cash flow, for long-term and short-term rentals alike. A cash flow simulator also lets you test a project before you buy.
Do I need to connect my bank account?
No, never. Finvygo works in a declarative way: you enter your properties and loans yourself, with no bank credentials or aggregator. No name or email is required: with a private key, your net worth stays anonymous.
How do I declare a property owned with someone else?
Each property carries an ownership share (50% for a couple's purchase, for example). Your portfolio and net worth only count your share, to reflect what you actually own.
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