Homes, vehicles, valuables, and the loans against them — with current value, real amortization, rental income, and equity that flows straight into your net worth. The asset tracker most personal finance apps don't bother building.
Your biggest assets — and the loans against them — usually live everywhere except your dashboard.
Most apps total your bank and brokerage balances and call it net worth. Your home, your car, and the valuables in between sit in your head — so the number on the screen has never been the truth.
Knowing you owe $312,400 on a mortgage isn't useful. Knowing your APR, your payoff date, the interest you'll still pay, and what an extra $200 a month would save you — that changes decisions. Almost no app shows it.
Rent received, vacancy weeks, recurring expenses, lease end dates, cap rate, cash-on-cash return — all of it usually maintained by hand in a tab nobody opens until tax time.
Everything Scalar Finance does for the part of your wealth that isn't in a brokerage account.
Add a property, a car, jewelry, art, or anything else you own. Record acquisition cost, attach a photo, and update the current value any time — every change is kept as a valuation history so you can see how the asset has moved over months and years.
Track APR, payment frequency, term, and start date. See the remaining balance, scheduled payoff date, total interest, and a full amortization schedule. Model what an extra monthly payment or a one-off lump sum would do — then record it for real when you pay it.
Mark a property as rented, set the lease term, monthly rent, deposit, and tenant info. Record rent received with one click — or let it auto-post on schedule. When the lease ends, vacancy and tenant history are kept on the asset so you don't lose the trail.
HOA fees, property tax, insurance, utilities, and management fees set up once and posted on their own cadence. They flow into the rental P&L automatically, so net yield and cash-on-cash actually mean something.
Each asset's equity — current value minus the linked loan balance — flows straight into the workspace net worth in your base currency. Sell the car, pay down the mortgage, or revalue a property and the dashboard updates with it.
Gross yield, net yield, cap rate, cash-on-cash return, NOI, and DSCR — calculated from the actual rent and expenses you record, not back-of-envelope estimates. Built for people who treat rentals like a business.
Asset tracking is the missing layer for anyone whose wealth isn't only in cash and stocks.
Add a property, attach the loan, record the rent, and let Scalar fold it all into your real net worth. Asset tracking is on Plus — start with the 14-day trial.
