For the investments mainstream portfolio apps ignore.
Private credit, P2P loans, VC and EIS funds, direct equity. No tickers, no live prices — just an honest record of what you put in and what came back.
Manual by design · no bank connections · your rows only
Overview
Manage
Help
Dashboard
Overview of your income and growth assets.
Overdue
Expected date has passed — log what actually landed.
Nester · Jun 2026
Bristol BTL Bridge
£412.50
3 wk ago
Qardus · H1 2026
SME Facility 04
£287.00
6 days ago
≈€811.94
£699.50 GBP
Total portfolio
≈€182,940
Total returns
≈+€14,268
Income Assets
≈€96,412
≈€11,905
≈~€8,720
≈ €726.67 per month
Growth Assets
≈€92,000
≈€86,528
≈+€2,363
Platforms
Manage →Two kinds of holding. That’s the whole model.
Both live under a platform, so that’s where you start. Everything else — schedules, totals, the activity feed — is built on top.
Upcoming. Overdue. Confirmed.
A payout is upcoming until its date passes. Once the date is behind you with no amount logged it becomes overdue — never quietly filed under “upcoming” with a row that reads three weeks ago. Log an amount and it’s confirmed.
Overdue payouts get their own page, a counter in the nav and the top slot on the dashboard, so the pile can’t grow unnoticed.
| Period | Expected | Actual | Variance | Status |
|---|---|---|---|---|
| Apr 2026 | £412.50 | £412.50 | +£0.00 | Confirmed |
| May 2026 | £412.50 | £408.10 | -£4.40 | Confirmed |
| Jun 2026 | £412.50 | — | — | Overdue |
| Jul 2026 | £412.50 | — | — | Upcoming |
| Totals | £1,650.00 | £820.60 | -£4.40 |
Actual amount
Net realised
≈+€14,268
Capital returned
≈€9,000
Payout · Bristol BTL Bridge
Nester · 02 Jul 2026
Profit · Northern Seed Fund II
Seedrs · 28 Jun 2026
Capital returned · Bristol BTL Bridge
Nester · 21 Jun 2026 · excluded from net realised
Loss · Ardent Growth SPV
Seedrs · 30 Jun 2026
Your own money coming back is not a return.
One chronological feed of everything that actually happened: confirmed payouts, growth profits and losses, and capital returned. Repayments and withdrawals are listed — they did hit your account — but styled neutrally and deliberately kept out of net realised.
Filter by platform, type or currency; the summary above respects the filters and says so.
No number is explained twice, so two screens can never disagree.
Every metric has one definition in one place. An info button next to the label shows it where the number lives, and the About page renders the same records as a glossary. Change the wording once and it lands everywhere.
Invested
Principal still outstanding, with repayments already deducted.
Counts active assets only, so it can be lower than the individual principals added up. Growth assets have a separate "Invested" — deposits, not outstanding principal.
Current value
What is still in the asset: deposits minus withdrawals minus write-downs.
A cost basis, not a market value. Cash you already took out lowers it without that being a loss, and it never rises above what you put in.
Next 12 months
An annual run-rate: outstanding × target yield for every active asset.
It assumes each asset keeps running for a full year, so an asset ending in two months still counts in full. It is not the sum of the scheduled payouts.
Three currencies, never quietly merged.
Every asset keeps its own currency. USD stays USD, GBP stays GBP. Only combined figures convert — to EUR, at European Central Bank rates — and every one of them carries a ≈ so a conversion can’t be mistaken for a native balance. Projections get a ~ on top of that. The per-currency breakdown always sits right underneath, and each screen ends with a single footnote giving the rate date.
Earned
≈€11,905
Converted at ECB rates from 27 Jul 2026, via the app’s own Frankfurter proxy.
You clear the overdue list on a phone.
The sidebar becomes a five-slot bottom bar, every table becomes a card list, and the overdue counter comes with you. Same data, same numbers — no cut-down mobile version to fall behind.
Dashboard
Overview of your income and growth assets.
Overdue
Bristol BTL Bridge
3 wk ago
SME Facility 04
6 days ago
Total portfolio
≈€182,940
Total returns
≈+€14,268
Overdue
Expected date has passed — log what actually landed.
Bristol BTL Bridge
Actual amount
SME Facility 04
What it deliberately doesn’t do.
A short list, so you know before you start.
No live prices
Nothing here has a ticker. Values move when you log something, never on their own.
No bank or platform feeds
Manual entry is the point — these platforms have no API worth connecting to.
No tax reporting
It records what you were paid. What you owe on it is between you and your accountant.
No shared portfolios
One person, one account. Row-level security scopes every row to its owner.
Questions
Income asset or growth asset — how do I choose?
If you can state a principal, an annual rate and a payout frequency, it's an income asset. If value only changes when something happens — a deposit, a distribution, a write-down — it's a growth asset.
A borrower repaid part of my capital early. Now what?
Log a repayment. Outstanding drops, every future expected payout is recalculated, and the money appears in the activity feed as capital returned rather than as earnings.
Can I edit an asset after confirming payouts?
Yes, but the start date, first payout date and frequency lock. Changing them would shift every period and orphan the actuals you already logged. The end date stays editable — and the form warns you, with counts, before deleting any confirmed payout.
Why does current value never go up?
Because it's a cost basis, not a valuation. A funding round on paper isn't money. When cash actually comes back you log it as a profit, and it lands in net P&L instead.
Is my data private?
Email and password sign-in, and row-level security at the database level scopes every row to your own account. No shared portfolios, no third-party access.
Close the spreadsheet.
Add a platform, then your first asset. The schedule builds itself and the payouts are waiting for you at month end.
Free, forever · manual by design · USD, GBP, EUR