TrackMyStack

A private tracker for people who want total control

TrackMyStack is a net-worth tracking app made by Beeblesoft Ltd that runs on iOS, Android, and the web. It is built around one core idea: your financial data should never leave your device, and you should never have to give a third party your login credentials to track your own money. The app lets you add anything that has value (property, stocks, crypto, cash, real estate), watch it update, and see your total net worth across all of it. Everything stays on your device, encrypted and under your control.

The design is spare. You enter your holdings manually, the app prices them, and you see your net worth update. There is no bank linking, no account login, no API to give away your credentials. Beeblesoft built the app for people who are uncomfortable with the standard tradeoff of linking their accounts to a third-party service, whether out of caution or principle. The homepage makes this the first thing it says: "Track your wealth without linking accounts or sharing logins. Everything stays on your device, safe and under your control."

How you add money and keep it current

TrackMyStack is manual entry only. There is no bank sync, no Plaid connection, no automatic pull from brokerages. You add your holdings by hand, telling the app what you own and how much you paid for it, and then the app handles pricing. The site explains the choice directly: "TrackMyStack is privacy-first and does not connect to your bank or brokerage accounts. You enter your holdings yourself, which means your account credentials are never shared with us or with third-party aggregators." This is not a limitation the app tries to hide. It is the entire pitch.

When you add an asset, you choose the asset class (stock, crypto, ETF, mutual fund, real estate, and others), and the app searches for it by ticker or name. If it finds the asset, it will price it for you. For supported stocks, ETFs, and crypto, prices update automatically: once per day after market close for the free tier, or in real time during trading hours if you pay for premium. The FAQ notes that "Mutual funds and certain regional instruments may update later than exchange-traded funds" and "Manual assets only update when you edit them." If an asset does not exist in the app's database, you can submit a request and the team will add it. The team also handles reporting mistakes. If a price looks wrong or stale, you can contact support and attach a screenshot, and they will investigate. This is a small company, not an API-driven bulk pricing service, so there is a human on the other end.

You can also import holdings from a CSV file if you have a spreadsheet somewhere else with your portfolio. The app shows a review of what it is about to add before it commits anything. Prices update regularly enough that you know your net worth without manually editing every position, but they are not live minute-by-minute like a brokerage dashboard. For most people tracking their wealth over years, this is the right frequency. For day traders, it is not.

How the tracking itself works

The core workflow is portfolios and assets. You can create as many portfolios as you like. Each one tracks a separate pool of money and can use its own currency, so you could have one for your retirement accounts in EUR, another for your US brokerage in USD, and a third for crypto in BTC. The app converts everything to your home currency for a total net-worth view, though it handles multi-currency portfolios well enough that foreign holdings do not confuse the math. When you add an asset to a portfolio, you set its quantity and usually its cost basis (what you paid), and the app calculates unrealized gains and losses from the current price. It also tracks dividend history for stocks that pay them, though coverage depends on the data source and some holdings will show incomplete information.

When you want to change a position, you edit the quantity directly rather than recording a buy or sell transaction. The FAQ explains: "TrackMyStack is built around updating your holdings rather than connecting directly to a broker. If you buy more, update the position using the app's valuation or cost-basis flow. If you sell, reduce the holding or archive it once you are done tracking it." There is no transaction ledger or trade history like a brokerage would show. You can also exclude a portfolio from your net-worth total if you want to track something without it counting toward your main number (a watchlist, for example, or an experimental portfolio). The app has basic reporting: your current net worth by asset class, allocation across different holdings, and charts showing how your wealth has grown over time. It shows "Since Start" comparisons and period-based analysis for any date range you want.

The catch: the app does not automatically adjust for stock splits. If a company does a 2-for-1 split and you owned 100 shares, the app will still show 100 until you manually update it to 200. The team plans to automate this in a future release, but for now it is on you.

What it costs and what free gets you

TrackMyStack pricing is simple. The free tier is truly free and has no expiration. You get unlimited portfolios and assets, end-of-day pricing for stocks, crypto, and ETFs, a dividend tracker that shows history, import and export, and biometric lock (Face ID, fingerprint, or PIN). You can also sync across multiple devices using a recovery email, a sync code, or a QR code scan. There is no time limit. There is no credit card required to start, and there is no switch that turns it into a trial when an invisible meter runs out.

Premium costs $4 a month or $30 a year (which saves you $18 annually if you pay upfront). The premium tier adds real-time pricing during market hours, upcoming dividend forecasts (not just history), a retirement age estimator, and priority support. The company also framed it as supporting an indie team, which is honest. The app is built by a single small company, not a large fintech platform, and the premium tier exists partly so they can keep the free tier useful without going under.

The site does not settle other questions: it does not say what happens if you share your sync code with a partner or whether the retirement estimator uses assumptions you can customize. The site also does not promise the app will always be free. These are gaps the page leaves, and they are worth knowing.

Who benefits and who should look elsewhere

TrackMyStack is for people who already know what they own and want a clean way to watch it grow. If you keep a spreadsheet of your investments and just want the app to price it for you, this is a cleaner alternative. It is also for people who have decided that the privacy tradeoff of linking bank accounts to a third party is not worth it, for whatever reason. The app markets itself to this audience without apology.

It is not for someone who wants their bank accounts pulled in automatically or who needs to see their checking balance alongside their investments. It is not for anyone who tracks spending or categories or needs a full budgeting system. There are no expense tracking features. It is also not for people who want a hand-holding investment app that tells them what to buy or gives financial advice. TrackMyStack shows you what you own, not what you should own. If you own it and it has a price, the app will track it. If you do not know what you own, you will need to figure it out first.