Understand money.
Without the financial noise.
Practical guides for seeing the whole picture, measuring real progress, and making calmer long-term decisions.
What Is Net Worth and Why Does It Matter?
Learn how to calculate net worth, what to include, and why the long-term trend matters more than a single number.
Read the guide →Build financial understanding.
How to Track Your Net Worth: A Complete Guide
A step-by-step system for tracking financial accounts, property, investments, liabilities and historical progress.
Read guideNominal vs Real Net Worth: Are You Actually Getting Richer?
Understand the difference between a rising balance and genuine growth in purchasing power after inflation and shrinkflation.
Read guideHow to Measure Investment Performance Correctly
Learn why balance growth is not portfolio return and how deposits, withdrawals, benchmarks and time periods affect performance.
Read guideCurrency Risk for European Investors
Understand how foreign currencies affect portfolio value, diversification and returns measured in your home currency.
Read guideHow Much Emergency Fund Do You Need?
Calculate emergency-fund needs using essential expenses, income stability, liquid reserves and personal risk.
Read guideWhat Does a Personal CFO Actually Do?
Understand how a Personal CFO view differs from budgeting, accounting and financial advice.
Read guideWhy net worth matters more than your budget
Budgeting tracks your spending. Net worth tracks whether you're actually getting richer.
Read guideManual Net Worth Tracking: Why It Can Be Better
Why a fifteen-minute manual update can produce a more complete, private and intentional view of your wealth.
Read guideHow to Run a Monthly Financial Review
A practical monthly review framework for understanding what changed, why it changed, and what deserves attention next.
Read guideFrequently asked questions
Everything you need to know before you start tracking your net worth with Hugo.
Start freeBecause your financial life is bigger than your bank account. You own investments, property, pensions, private businesses, crypto — not everything has an API. Updating manually once a month takes just a few minutes and gives you a far more complete picture.
Once a month is enough for most people. Net worth is a long-term number — it doesn't need daily attention, just consistent tracking.
Yes. Crypto is treated as its own asset class alongside cash, stocks, ETFs, property and private investments.
Yes, including estimated value, mortgage balance, and how your equity changes over time.
You can enter balances manually today. Bulk import is on our roadmap.
Hugo never asks for your bank credentials, since there are no bank connections. Your data is encrypted and never sold or shared.
You can — plenty of people do. Hugo automates the calculations, tracks trends over time automatically, and adds monthly AI reflections that a spreadsheet won't give you.
Investors, the FIRE community, business owners, high earners, and anyone with assets spread across multiple places.