Shadow Mode
One tap hides every amount in the app. Check your dashboard in public without showing a single number.
Net worth tracker & FIRE planner Your Money is Your Business. Not Ours.
Track your net worth and plan early retirement without linking your bank. Encrypted on your phone. No accounts, no tracking.
- Coming soon to theApp Store
- Coming soon toGoogle Play
- AES-256
- Local only
- Biometric lock
Good evening
Net Worth (EUR)
€0
2.4% this month
0%
to FIRE
- SavingsCash · EUR €24,600
- Global Index ETFVWCE · live price €144,300
- Home equityProperty €298,000
- BitcoinCrypto · live price €15,450
Private by design
Your balances never leave your phone.
Bank syncing breaks, and it hands your data to third parties. Addeo doesn't sync at all. Your data is encrypted on your phone with a key that never leaves it, so there's nothing for us to see, sell or leak.
Everything that ever goes online
Five things. None of them include your numbers.
- Live pricesThe ticker symbol only, like “AAPL”. Never quantities or balances.
- Exchange ratesA plain request for public currency rates.
- Feedback OptionalYour message plus device and app version, only when you send it.
- Promo codes OptionalThe code you enter on Android, linked to a random anonymous ID.
- Purchases OptionalThe store's proof of a Pro purchase, checked by our server and never kept.
Compared with cloud trackers
| Topic | Cloud trackers | Addeo |
|---|---|---|
| Your data | On their servers | On your phone, encrypted |
| Bank access | Linked through an aggregator | Never needed |
| When sync breaks | Balances go stale | No sync to break. Works offline. |
| Account | Email and password | None |
| FIRE planning | Mostly budgeting | Monte Carlo, guardrails, tax |
Inside the app
Everything you need. Nothing you don't.
Face ID & PIN Lock
Unlock with Face ID, Touch ID, fingerprint or your own PIN. Data is AES-256 encrypted with a key kept in your iOS Keychain or Android Keystore.
Multi-Currency
Hold assets in different currencies. Everything converts into your home currency, and a missing exchange rate is flagged, never guessed.
FIRE math
Professional-grade planning, on your phone.
No more spreadsheet errors. Built-in tools for:
- The 4% rule and safe withdrawal rates
- Lean, Coast, Barista and Fat FIRE scenarios
- Monte Carlo: 1,000 market scenarios run on your device to stress-test your FIRE probability Pro
- Sequence of Returns Shield: how many months your cash buffer covers before you'd sell at a loss Pro
- Withdrawal guardrails Pro
Monte Carlo
Illustrative
Success chance
95%
A sketch of how the chart responds, not a simulation result.
Roth Conversion Planner
See exactly how much you can convert before you spill into the next federal bracket. Don't waste low-tax space.
EU Tax Planning
Income, investment, and inheritance & gift tax with presets for Cyprus, Germany, France, the Netherlands, Ireland and Spain, or your own rates.
Encrypted Backups
Move to a new phone with a password-protected .addeo backup. Export to CSV any
time, so you're never locked in.
The Briefing
Five ideas behind every number.
The same briefing you'll see the first time you open Addeo.
The Mission
Financial Independence
Freedom is not a number. It is a ratio.
- The point where your investments can cover your living costs.
- From there, work becomes a choice.
The Engine
The 4% Rule
Historically, a 4% yearly withdrawal has lasted 30 years in most past markets.
- Addeo Pro adjusts the rate to the length of your retirement, down to 3% for early retirees.
- No rate is guaranteed.
The Fuel
Your Savings Rate
The share of your income you save sets your timeline.
You save25%
Freedom in32 yrs
Illustration: starting from zero, 5% yearly return after inflation, retiring at a 4% withdrawal rate.
The Compass
A Tool, Not Financial Advice
Addeo shows you the map. You choose the route.
- Addeo is a tracking and calculation tool, not a financial, investment or tax adviser.
- Projections are hypothetical, not guarantees, and nothing here is a recommendation to buy, sell or hold.
- Your decisions are your own. Check important ones with a licensed professional.
The Vault
Private by Design
Addeo is a local-only vault.
- Your balances stay on this device, encrypted.
- No ads. No data sales.
Our promise
We cannot leak what we cannot see.
Your balances never touch our servers, and your keys never leave your phone. That’s why there’s no password reset.
Plans
Free to start. Pro to plan.
Everything stays on your device on both plans.
Free
€0forever
- Unlimited assets, accounts and liabilities
- Net worth, allocation, goals and milestones
- 7 planning calculators, including What-If, Mortgage and One More Year
- Face ID or PIN lock and Shadow Mode
- Encrypted backups and CSV export
- 1 price refresh a day and 90 days of history
Pro
- Everything in Free
- Monte Carlo, Sequence of Returns and Withdrawal Guardrails
- Roth Conversion, Tax Buckets and ACA Subsidy (US)
- EU Income Tax and Investment Tax planners
- 5 price refreshes a day and a full year of history
- Every missed recurring entry applied, plus all milestones and badges
Upgrade inside the app at any time.
Pro is billed through the App Store or Google Play. Prices can vary by country and are confirmed in the store before you pay.
FAQ
Questions, answered.
What is Addeo?
Addeo is a private net worth tracker and FIRE planner for iPhone and Android, from Addeo Labs Ltd in the UK. You add your accounts, investments, property, crypto and debts yourself, and Addeo shows your net worth and how close you are to financial independence. Everything stays encrypted on your phone. In the App Store and Google Play, look for Addeo.fi.
How much does Addeo cost?
Addeo is free to start, with unlimited assets, accounts and liabilities. Addeo Pro adds advanced FIRE and tax planning, such as Monte Carlo, Withdrawal Guardrails and Roth conversions, as a monthly or yearly subscription or a one-time lifetime purchase. Pro is billed through the App Store or Google Play.
What happens if I lose my phone?
Your data lives only on that phone, so keep an encrypted .addeo backup
somewhere safe and restore it on your new phone with its password. iCloud and Google
device backups don't include your Addeo data, and we have no copy we could send you.
Why is there no password reset?
Because we never hold your key. If you forget your PIN, the only option is to reset the app, which erases its data. After 10 wrong PIN attempts, Addeo erases its data automatically. That's the trade-off of a vault nobody else can open.
Does Addeo connect to my bank?
No, never. You add your accounts and balances yourself, and you can track stocks, ETFs and crypto by ticker to get live prices. No bank logins and no aggregators.
How do live prices work if you can't see my holdings?
The app sends only the ticker or coin symbol, such as “AAPL” or “bitcoin”, and gets a price back. Your quantities and values never leave the phone, and the maths happens on the device. Free includes 1 price refresh a day; Pro includes 5.
Can I use Addeo on more than one device?
There's no sync, because there's no cloud copy. To move to a new phone, create an
encrypted .addeo backup and restore it there.
What happens to my data if Addeo shuts down?
Your data is on your phone, not on our servers, so it doesn't disappear with us. The app works offline apart from live prices and exchange rates, and you can export everything to CSV at any time.
Which countries and currencies does it support?
You can hold assets in different currencies and see everything in your home currency. Tax tools cover US federal rules (Roth conversions, tax buckets, ACA subsidies) and EU presets for Cyprus, Germany, France, the Netherlands, Ireland and Spain, or rates you enter yourself.
Is Addeo financial advice?
No. Addeo is a tracking and calculation tool. Projections are hypothetical, not guarantees, and nothing in the app is a recommendation to buy, sell or hold. Check important decisions with a licensed professional.
Get Addeo
Your numbers. Your phone. Nobody else's.
Coming soon to iPhone and Android. Free to start, no account needed.
- Coming soon to theApp Store
- Coming soon toGoogle Play
- AES-256 encrypted
- Works offline
- No ads, no data sales