02 / 06 — Net worth · In development

Vestra

Your entire net worth in one considered view — cash and debt, Premium Bonds, shares, crypto, metals, property and collectables — priced live and added up honestly.

Figures are illustrative.

01 · Nine asset classes

Everything counts.

Cash £14,200
Premium Bonds £10,000
Equity £68,450
Crypto £5,860
Commodity £4,310
Property £265,000
Collectable £3,950
Other £1,200
Debt −£188,370
Net worth £184,600

Nine asset classes, one figure. Assets added, debt taken away.

02 · Net worth

Net worth: £184,600

A year of daily snapshots, from £158,900 to £184,600.

Quantity × price, at ECB rates. A snapshot every day at 06:00.

03 · Month in review

The month, unfolded.

August: start £180,240
The market +£2,686
You added +£1,500
Income +£212
Fees −£38
End £184,600, up £4,360 (+2.4%)
Best: Global ETF +4.1%
Toughest: Bitcoin −6.2%
14 transactions

From your snapshots and ledger, nothing estimated.

04 · Honest returns

Deposits aren’t gains.

An ISA grows from £47,188 to £68,450, up £21,262 (+45.1%), but £15,000 of that was paid in on 6 April. Time-weighted return: +10.7%. Money-weighted (XIRR): +11.8%.

The balance jumps when you pay in. The return does not.

05 · Planning

Five hundred futures.

500 seeded paths from £78,620 invested in shares, crypto and metals, adding £700 a month at a 5.5% return and 13% volatility.

71% chance of reaching £250,000 by 2040.

06 · UK tax

ISA · LISA · SIPP · GIA

ISA allowance £19,000 of £20,000
LISA £4,000 of £4,000, within the ISA allowance
SIPP annual allowance £9,600 of £60,000
GIA capital gains £1,240 of the £3,000 exempt amount

Allowances tracked by tax year. Section 104 gains, exported as CSV.

About

Vestra is a UK-focused, privacy-first net-worth tracker. Bank accounts and debt, Premium Bonds, shares and ETFs, crypto, metals, property and collectables sit in one live-priced view, and the arithmetic is done properly: returns that ignore deposits, an allocation X-ray that splits ETFs into their real sector weights, target weights that show drift and the trades that rebalance, and a fee X-ray that shows twenty years of fund charges.

Three principles hold it together. Private by design: prices come from keyless public feeds, wallets are read on-chain and read-only, and a privacy blur hides every figure. Honest numbers: time-weighted and money-weighted returns, FX attribution and a benchmark overlay, so a gain is only ever a gain. Everything counts: if you own it, it belongs in the total.

Facts

Stack: NestJS and Prisma API; React and Vite; Postgres in production, SQLite in development
Data: Open Banking bank sync; broker CSV imports from Trading 212, Freetrade, Sharesight and getquin; crypto wallets read on-chain, read-only
Prices: Five keyless public feeds, refreshed on a schedule; ECB exchange rates; a snapshot every day at 06:00
Returns: Time-weighted and money-weighted (XIRR); volatility, max drawdown and Sharpe; FX attribution; benchmark overlay
Planning: Monte Carlo over 500 seeded paths; a “will it last?” retirement test; a solver for the monthly contribution needed
UK tax: ISA, LISA, SIPP and GIA wrappers; allowance tracking; Section 104 capital gains by tax year, with CSV export
Install: Installable web app; command palette; privacy blur; 19 insight rules
Status: In development, not yet launched