Accounts are scattered
Cash, investments, retirement savings and debt are usually held with different providers.
A South African net-worth tracker
See your complete net worth in one place
Track your cash, investments, retirement savings, property and debt in one clear dashboard.
Libevyn combines the balances you enter across all your accounts so you can see your total assets, liabilities and net worth over time.
Free trial · Start with only a few accounts · No card required
No bank passwords required · Your financial information is not sold for advertising
Your wealth is spread across more than one place
Your bank balance is not your net worth.
To understand your complete financial position, you need to combine what you own with what you owe across banks, brokers, retirement funds, property and debt.
Property is easy to misread
The value of a property is only one side of the picture. The linked mortgage must also be included to see your actual equity.
Retirement money is different
Your total net worth may include money that is not currently accessible, such as retirement annuities, pension funds and provident funds.
Spreadsheets become outdated
A net-worth spreadsheet is only useful when every balance and formula remains current.
See how Libevyn builds your net-worth view
Add your accounts, enter their current balances and see how everything combines into one financial picture.
Video shows scattered accounts, adding assets and debts, entering balances, total assets and liabilities, property equity, accessible versus retirement wealth, and net-worth history.
Track my net worth
Start with a few accounts and add the rest later
Build your net-worth view in three steps
You do not need to add every account before Libevyn becomes useful. Start with the largest parts of your financial life and add more over time.
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Step 1
Add what you own
Create accounts for assets such as cash, bank accounts, TFSA accounts, brokerage accounts, retirement funds and property.
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Step 2
Add what you owe
Create accounts for liabilities such as mortgages, credit cards, personal loans and vehicle finance.
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Step 3
See your complete position
Libevyn combines your entered balances and shows total assets, liabilities, net worth, property equity, accessible wealth and balance history.
Start with your biggest assets and debts. You can add smaller accounts later.
Track the accounts that make up your wealth
Cash
- Bank accounts
- Savings
- Money-market accounts
Investments
- TFSA accounts
- Brokerage accounts
- Offshore brokerage accounts
- Unit trusts
- Crypto
Retirement
- Retirement annuities
- Pension funds
- Provident funds
Property
- Residential property
- Investment property
- Ownership percentage
- Property valuations
- Linked mortgages
- Property equity
Debt
- Mortgages
- Credit cards
- Personal loans
- Vehicle finance
- Margin loans
See the difference between total wealth and accessible wealth
A single net-worth figure does not tell the whole story. Some of your wealth may be available now, while other money may be held in retirement accounts or tied up in property.
Libevyn helps you see these parts separately.
Total net worth
The combined value of your assets less your liabilities.
Accessible wealth
Assets that may be available before retirement, depending on their account type and circumstances.
Retirement wealth
Retirement annuity, pension and provident balances that form part of your wealth but may not be immediately accessible.
The application provides a tracking and planning view based on account types and information entered by the user. It does not determine legal access to funds.
See what your property actually adds to your net worth
A property worth R2 million does not add R2 million to your net worth when it still has a mortgage.
Libevyn lets you track the property value, ownership percentage and linked mortgage so the resulting equity contributes to your net-worth view.
See whether your wealth is actually growing
A current balance shows where you are today. Balance history shows whether your overall financial position is improving.
Libevyn keeps balance snapshots so you can view changes in assets, liabilities and net worth.
Update your balances over time to build a clearer history of your progress.
A clearer alternative to maintaining a net-worth spreadsheet
Spreadsheet
- Requires formulas and manual totals
- Can become difficult to maintain
- Property and mortgage calculations must be created manually
- Retirement and accessible wealth may not be separated
- Charts must be built and updated
- Multiple profiles usually require separate files
Libevyn
- Built around assets and liabilities
- Calculates total net worth
- Links property and mortgage information
- Separates accessible and retirement wealth
- Keeps balance history
- Supports multiple profiles
- Provides bulk balance updates
Libevyn does not remove the need to enter your balances. It gives those balances a structured home and turns them into a consistent financial view.
Keep separate wealth views where needed
Create separate profiles for different financial views, such as your personal wealth, your partner's wealth, a combined household view, or another portfolio you manage separately.
Additional profiles may require a paid subscription.
You choose what financial information to enter
Libevyn does not connect to your bank. You enter the accounts and balances you want to include.
No bank passwords
You do not provide your bank or investment-platform login credentials.
You control the information
Choose which accounts and balances you want to track.
Passwordless sign-in
Sign in using your email address and a one-time code.
Your information is not sold for advertising
Libevyn does not sell your financial information for advertising.
Account deletion
You can request deletion of your account and the information you entered.
Try Libevyn with your own accounts
Start a free trial and build your own net-worth view, then keep it current as balances change.
Plans start from R 49 per month when billed annually, or R 59 month to month.
Track my net worth
Free trial · Start with a few accounts · Add more later · No card required · Cancel anytime
View pricingFrequently asked questions
What is net worth?
Net worth is the total value of your assets minus your liabilities. Assets may include cash, investments, retirement savings and property. Liabilities may include mortgages, credit cards, loans and vehicle finance.
Does Libevyn connect to my bank accounts?
No. You enter and update the account balances you want to include. No bank login is required. Libevyn is for a strategic wealth plan, not daily bank transactions.
Do I need to add every account?
No. You can begin with your biggest assets and debts and add more accounts later.
How often should I update my balances?
You can update them whenever it is useful to you. Some users may update monthly, while others may update after major financial changes.
Can I track property?
Yes. You can add residential or investment properties, record valuations and link a mortgage account so that property equity feeds into your net worth.
Can I track retirement accounts?
Yes. Libevyn supports retirement annuity, pension and provident accounts.
Can I track investments outside South Africa?
You can add offshore brokerage accounts and manually enter their balances.
Does Libevyn provide live investment prices?
No. You enter and update account balances manually. Libevyn tracks the value snapshots you provide.
Is Libevyn financial advice?
No. Libevyn is a South African wealth-planning tool. It does not provide personalised financial, investment or tax advice, does not execute investments, and is not a licensed financial services provider. You remain responsible for financial decisions.
Can I use Libevyn with a partner?
You can create multiple profiles to maintain separate wealth views.
Stop guessing what you are worth
Bring your assets, debts, property and retirement savings into one clear South African net-worth view.
Track my net worth
Free trial · Start with only a few accounts