Manual-entry net worth tracking, but actually pleasant

Quantive (usequantive.app) is a net worth tracker built around two constraints: no bank connections, and the server never holds anything readable.

The audience is people who already track net worth manually ( in a spreadsheet, typically) and want something more structured without handing a third party access to their accounts. Manual entry is a feature, not a limitation. No Plaid, no Tink, no PSD2 provider, no aggregator in the chain. You enter balances or upload an Excel export from your bank, and that is the entire trust surface.

On the privacy side: your portfolio is encrypted in your browser before it reaches the server. The server stores ciphertext only. The crypto module is open source under MIT with a public design doc and test vectors. Everything else is source-available, for transparency.

13 currencies (EUR, USD, GBP, NOK, SEK, DKK, CHF, CAD, AUD, JPY, PLN, BRL, INR) with historically correct FX. Every balance snapshot is valued at the exchange rate from its own date (stored daily from ECB reference data - not at today's rate). This is the feature that keeps coming up with users who track across currencies over years: many multi-currency trackers silently rewrite history every time rates change.

What it doesn't do: connect to banks, categorise transactions, budget, handle tax-account-type logic, or defend against an actively malicious server. That last non-goal is the fundamental JS-delivery trade-off of all browser-E2E apps; it's documented in the design doc, not hidden.

As for the project, it is Bootstrapped and solo, legally registered in Germany. The addressable audience is small on purpose: people who track net worth manually over years and will pay €9/month for a tool that's better than a spreadsheet at this specific job. Not chasing venture scale, paid acquisition, or feature breadth.