Habeo: Net Worth Tracker
Assets & Debts, Kept Private
Free · Designed for iPad. Not verified for macOS.
Everything you own in one register: the house, the watch, the gold, the shares, and the mortgage on top. No account, no ads, no data leaving your phone.
You do not protect private wealth by hiding it. You protect it by knowing what you have and keeping it somewhere safe.
Habeo is a register for everything you own: securities and crypto, but also the house, the car, the watch, the gold in the vault, the money you lent out and the mortgage on top. You record what is there. Habeo does the arithmetic.
WHAT HABEO DOES
- Every item with value, quantity, currency and proof
- Purchases, sales, interest, rent, fees and repayments as real entries
- Cost basis, gain, annual return and holding period, calculated to the cent
- What your wealth brings in, and what it costs to keep
- Debts secured against an item, and what it is worth net of them
- Shared ownership: your share counts, not the whole object
- History over years, split by category, region, currency or project
- Receipts, appraisals and policies live with the item, not in some folder
- An emergency sheet, for the day someone else has to find their way around
HOW YOUR DATA IS PROTECTED
- Hardware-encrypted on the device, readable only while it is unlocked
- In iCloud, amounts, names and notes are stored as ciphertext. No server-side service can read those fields; they cannot even be indexed. Who holds the key is decided by Apple's Advanced Data Protection.
- Encrypted backup with your passphrase (AES-GCM, PBKDF2), proofs included, and a trial run that opens it without changing anything
- Face ID lock, or an optional app code separate from your device passcode
- Amounts stay hidden during screen recording and AirPlay mirroring
- No account, no sign-up, no analytics, no ads, no tracking
NO PRICE FEEDS
Habeo fetches no security prices. That is not a shortcoming; it is the reason nobody learns what you hold. Exactly two requests leave the device, and only when you need them: the European Central Bank's reference rates for currency conversion, and one quote for Bitcoin, gold and silver that is identical for every user. Both are listed with time, destination and content on the transparency page, and a switch turns networking off entirely. The app keeps working exactly as before.
Exchange rates are sourced from the European Central Bank and are available free of charge from the ECB.
YOUR DATA IS YOURS
Export as plain CSV or as an encrypted backup. Import with a preview that shows what it would change before it changes it.
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
New in 1.2
- App code: lock Habeo with a six-digit code, separate from your device passcode. Optionally as a fallback when Face ID fails.
- Amounts stay hidden during screen recording and AirPlay mirroring.
- Monthly review: go through every value in turn, with “Unchanged” or “Later”, and no duplicate entries.
- New insights: composition as a ring with what you own and what you owe, monthly bars, and performance without deposits and withdrawals.
- Entries grouped by year, with filter and sorting in the title.
- Interest now raises the account balance.
- Sample data to try things out, removed with one tap.
- PDF statement without cut-off lines.
The developer, Julian Schiemann, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Not Collected
The developer does not collect any data from this app.
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Julian Schiemann
- Size
- 28.7 MB
- Category
- Finance
- Compatibility
Requires iOS 18.0 or later.
- iPhone
Requires iOS 18.0 or later. - iPad
Requires iPadOS 18.0 or later. - Mac
Requires macOS 15.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 2.0 or later.
- iPhone
- Languages
- English and German
- Age Rating
4+
- 4+
- Copyright
- © 2026 Julian Schiemann