Analytics

Net worth

174,886 €

401 days of history

Of the gain, from returns

13.2%

rest is money you added

TWR annualised

12.3%

the investments, flow-neutral

IRR

6.3%

your timing included

Worst drawdown

-49.9%

crypto

205.7% of all growth came from one bucket: crypto (8,151 € of 3,962 €). The portfolio-level TWR and IRR above are therefore close to that bucket's own return, not a diversified result. Worth reading them as a statement about crypto rather than about the balance sheet.

Contribution versus market growth

Cumulative contribution versus growth

money added market growth

You have added 26,000 € and the holdings have generated 3,962 €. Most of the increase is money you added, not return.

Net worth over time

Net worth by bucket

cash company crypto equity private

Moved most in the last 30 days

Holding	Bucket	Then €	Now €	Change	%
S&P 500 index fund	equity	32,605	33,483	878	2.7%
BTC	crypto	3,107	2,557	-551	-17.7%
World index fund	equity	11,370	11,033	-337	-3.0%
ETH	crypto	13,290	13,510	219	1.6%

Allocation

By bucket

company 57% equity 25% crypto 9% private 5% cash 3%

By holding

Company equity 57% S&P 500 index fund 19% ETH 8% World index fund 6% Private stake 5% Current account 3% BTC 1%

57.2% of assets sit in a single holding: Company equity (100,000 €). Bucket weights understate that, because a bucket can hold one position or twenty and the drift table cannot tell them apart.

Against target weights

Actual against target weight

actual target

Allocation numbers

Bucket	Value €	Actual	Target	Drift
cash	5,000	2.9%	0.0%	2.9%
company	100,000	57.2%	0.0%	57.2%
crypto	16,066	9.2%	0.0%	9.2%
equity	44,516	25.5%	0.0%	25.5%
private	9,303	5.3%	0.0%	5.3%

Largest holdings

Holding	Bucket	Value €	Share
Company equity	company	100,000	57.2%
S&P 500 index fund	equity	33,483	19.1%
ETH	crypto	13,510	7.7%
World index fund	equity	11,033	6.3%
Private stake	private	9,303	5.3%
Current account	cash	5,000	2.9%

Both charts show assets only. Tax provisions are a claim against them, not a slice of them, so including one would make the wedges add to more than the whole.

Returns and risk per bucket

Bucket	TWR	Annualised	Volatility	Max drawdown	Days
cash	0.0%	0.0%	0.0%	0.0%	400
company	0.0%	0.0%	0.0%	0.0%	400
crypto	103.0%	90.8%	65.4%	-49.9%	400
equity	-10.2%	-9.3%	11.2%	-7.1%	400
private	3.4%	3.1%	6.5%	-3.0%	400

TWR grades the investments; IRR grades the timing too. The IRR counts the balance that already existed when history started as an opening outflow, without which a portfolio predating this tool reports something absurd.

Correlation between buckets

	crypto	equity	private
crypto	1.00	-0.10	0.01
equity	-0.10	1.00	0.04
private	0.01	0.04	1.00

Company

Month	Revenue €	Operating €	Owner pay €	Profit €
2026-08-01	7,873	1,331	3,500	3,041
2026-07-01	7,187	1,127	3,500	2,559
2026-06-01	6,175	757	3,500	1,918
2026-05-01	6,952	891	3,500	2,562
2026-04-01	6,563	1,316	3,500	1,747
2026-03-01	8,123	728	3,500	3,895
2026-02-01	7,322	697	3,500	3,125
2026-01-01	4,990	1,238	3,500	253
2025-12-01	8,567	1,353	3,500	3,715
2025-11-01	6,619	1,003	3,500	2,115
2025-10-01	7,942	1,377	3,500	3,064
2025-09-01	4,893	1,231	3,500	161
2025-08-01	4,840	694	3,500	647

Owner pay is split out from operating cost. It is still a deductible company expense, so profit is unchanged, but it has not left the household.

Savings rate

Month	Saved €	Net income €	Rate
2026-08-01	2,000	4,200	47.6%
2026-07-01	2,000	4,200	47.6%
2026-06-01	2,000	4,200	47.6%
2026-05-01	2,000	4,200	47.6%
2026-04-01	2,000	4,200	47.6%
2026-03-01	2,000	4,200	47.6%
2026-02-01	2,000	4,200	47.6%
2026-01-01	2,000	4,200	47.6%
2025-12-01	2,000	4,200	47.6%
2025-11-01	2,000	4,200	47.6%
2025-10-01	2,000	4,200	47.6%
2025-09-01	2,000	4,200	47.6%
2025-08-01	2,000	4,200	47.6%

Everything here is a view over valuation_snapshot and cashflow. Anything not on this page is a query, not a missing feature.