Quantive replaces the net‑worth spreadsheet tracker. Enter balances manually or upload an Excel export — no bank logins, no aggregators.

Your portfolio is encrypted in the browser, so the server only stores ciphertext. A database leak reveals nothing; the crypto module is open source. (Active server compromise is a documented non‑goal, similar to Bitwarden, ProtonMail, and Standard Notes.)

The Free tier includes unlimited sources, allocation charts by volatility and liquidity, 12‑month rolling history, 13 currencies with historically correct FX, and cloud sync. Pro (€9/month or €90/year) adds full historical view, CAGR‑based forecasting with confidence intervals, goals and milestones, benchmark comparison against inflation and the S&P 500, and a PDF wealth report.

Quantive doesn’t budget, categorise transactions, or connect to banks. It’s a privacy‑first wealth tracker — not a spending tool. Free tier is permanent.