Crypto Net Worth Tracker

Your coins are not your net worth

Crypto portfolio apps are good at one thing: showing you a chart of your coins. But your net worth is not a chart of your coins. It's your coins plusyour checking account, your brokerage, your apartment, your car — minus your credit cards and your mortgage. If the only number you look at every day is your crypto balance, you're managing a slice while the whole pie moves without you.

The fragmentation runs deeper than that. Your exchange app shows you one exchange. A wallet app shows you one chain. Your bank app shows you one bank, in one currency. None of them answers the question that actually matters: am I richer or poorer than I was last month, across everything I own and owe? Most people answer it with a spreadsheet they update twice a year — or never. If you've been doing exactly that, our free net worth calculator is a good place to see the full picture once. Guaca is how you keep it updated forever.

Crypto, inside your total net worth

Guaca treats crypto as a first-class asset class, not a separate app. Connect Binance once — your API credentials are stored encrypted and used read-only — and your balances sync automatically. Hold your own keys? Add your self-custody wallets and Guaca tracks those balances too, without ever asking for a private key. BTC, ETH and SOL are priced live, so the crypto line in your net worth is as current as the market.

From there, your holdings stop living on an island. They appear inside your total net worth and your asset allocation, right next to your bank accounts, your stock portfolio, your real estate and your debts. You can finally see that crypto is, say, 12% of what you own — and decide whether that's the number you want it to be. If you also invest through Interactive Brokers, Guaca syncs that side too: see the IBKR portfolio tracker for how stocks and crypto end up on the same screen.

Crypto is priced in USD. Your life probably isn't.

Every exchange quotes your coins in dollars. But your rent might be in euros, your salary in Colombian pesos, your savings in Mexican pesos. A dollar-denominated portfolio number is an abstraction until it's converted into the currency you actually spend.

In Guaca, every amount lives in its own native currency and converts at daily FX rates into a single display currency of your choice. Your BTC in USD, your checking account in EUR, your apartment in COP — one number, in your money. Switch the display currency with one tap and the whole net worth re-renders. No mental math, no copy-pasting exchange rates into a spreadsheet at midnight.

Volatility needs perspective, not panic

Crypto swings hard. When your net worth drops 4% in a week, the difference between a smart decision and a panicked one is knowing why it moved. Was it the market repricing your coins? The exchange rate moving against your display currency? Or did you simply spend more than you earned?

Guaca's Back in Timefeature lets you scrub through your net worth history to any date and see exactly what changed it: market moves, FX moves, or your own buys and contributions. With crypto in the mix, that decomposition is not a nice-to-have — it's the difference between “the market dipped, hold steady” and “I'm quietly bleeding cash every month and the bull run was hiding it.”

Your keys stay yours. So does your data.

Guaca never takes custody of anything. Tracking is read-only: it can see your balances, but it can't move a single satoshi. Exchange credentials are stored encrypted, and self-custody wallets are tracked without private keys or seed phrases — those never leave your hands.

The same philosophy applies to your financial data. Guaca is local-first: your numbers live on your device and sync encrypted across iPhone, iPad, Mac and the web. It works offline, and your data is never sold or used for advertising. For an app that knows your entire net worth, that's not a footnote — it's the whole point.

Everything a crypto net worth tracker needs

Frequently asked questions