One balance sheet, for everything you own and owe.
Every account, grant, loan and property sits in a single statement, in the currency it is actually held in, reported in the one you think in.
Net worth
What you get
- One statement for cash, brokerage, property, grants, loans and mortgages.
- Multi-currency households: each account stays in its own currency, the household reports in yours.
- Two owners with individual and combined positions, for a couple who keep some things separate.
- Measured or modeled marked on every figure, so you always know which is which.
| Today | 12M | |
|---|---|---|
| Assets | ||
| Cash | €148,200 | €171,400 |
| Savings | €96,400 | €118,900 |
| Brokerage | €167,900 | €186,200 |
| Co-Investments | €284,000 | €312,000 |
| Carry Vested | €412,000 | €468,000 |
| Property | €1,302,000 | €1,331,000 |
| Liabilities | ||
| Mortgage | (€612,000) | (€596,300) |
| Co-Invest Loan | (€98,000) | (€84,000) |
| Credit Card | (€3,180) | (€2,900) |
| Net Worth | €1,697,320 | €1,904,300 |
The underlying figure is never rewritten
An account held in dollars stays a dollar account. Highwater converts for reporting at live rates and keeps the original, so a currency move shows up as a currency move rather than quietly restating what you hold.
Provenance is visible on every line
A number a live feed wrote is marked differently from one the model produced. That distinction is the whole difference between a balance sheet you can act on and a spreadsheet you half-trust, and it is on the surface rather than in a settings page.