Comparison

DecentWealth Portfolio Tracker vs XNLO

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

DecentWealth Portfolio Tracker

Track all your assets, from stocks and crypto to real estate and vehicles, with a focus on privacy. Your financial data stays securely on your device, with no account creation or server storage. Enjoy features like dividend tracking, real-time prices, and iCloud sync across Apple devices.

Highlights
  • Track stocks, ETFs, crypto, commodities, real estate, and more
  • Data stays on your device; no account or servers needed
  • Automatic crypto balance fetching via public address
  • Dividend tracking with calendar and income projections
  • Real-time prices for over 15,000 coins
  • iCloud sync for iPad and Apple Watch
  • Supports 45 currencies for cash accounts
Features
Currently charting
Read full description

Know what you own. All of it. DecentWealth gives you a clear view of everything you own: stocks, ETFs, precious metals, property, retirement, savings, and yes, crypto too. The difference? Your data stays on your device. No account to create. No servers storing your finances. No company tracking your wealth. Just you and your phone. DESIGNED AND BUILT FOR iOS Written in Swift and SwiftUI, with no third-party frameworks and no analytics or tracking SDKs of any kind. Nothing here is a web page in a native wrapper. That is why the App Store privacy label reads "Data Not Collected", and why your portfolio still opens with no signal. Widgets, an Apple Watch app with complications on every face style, Face ID and Touch ID, dark mode. Fully localized in 12 languages, every screen, not only the menus. WHAT YOU CAN TRACK - Stocks & ETFs: add buy/sell transactions, see your profit or loss, track dividends - Commodities: Gold, Silver, Platinum and Palladium, with live spot prices in troy oz, grams or kg - Real estate: your home equity, rental properties, land - Vehicles: cars, motorcycles, boats - Retirement: 401(k), IRA, pension values - Cash accounts: bank savings, linked to the trades you make - Loans & debt: mortgage, car loan, student loans, credit cards - Crypto wallets: Bitcoin, Ethereum, Solana, and more - Interactive Brokers: trades, dividends and cash, synced automatically WHY PEOPLE SWITCH TO DECENTWEALTH Your data stays local. Other apps upload your financial data to their servers. We don't. Everything lives on your iPhone, protected by Face ID. No account needed. Open the app and start adding assets. No email, no password, no verification. iCloud sync Want it on your iPad? Turn on iCloud sync. Your data goes through your personal iCloud, still never touches our servers. FOR PEOPLE WHO OWN CRYPTO Networks: Bitcoin, Ethereum, Solana, Polygon, Arbitrum, Optimism, Base, Avalanche, BSC, ZKsync, Linea, Scroll, and more. Just paste your public address or scan a QR code. We fetch your balances automatically. You never share private keys, we don't need them, don't want them. 15,000+ coins recognized with real-time prices. DIVIDEND TRACKING Own dividend stocks? See your passive income grow: - Dividend calendar: upcoming ex-dates and payment dates at a glance - Income summary: what you've received, this year's total, projected annual - Future projections: estimate your income many years out - Yield tracking: compare yield on cost vs current market yield - All dividend data pulled automatically, no manual entry CASH ACCOUNTS Track bank savings in 45 currencies as their own asset class. Sell a stock and the proceeds land in the account you choose. Buy one and it is paid from there. Your cash balance moves the way your money really does, and you still never connect a bank. ANALYTICS THAT MAKE SENSE - See where your money actually is (allocation by asset type) - Sector allocation: your stock portfolio broken down by industry - Monthly performance heatmap: which months made money, which didn't - Chart with filter by time: today, this week, month, year, or all time EXPORT FOR TAXES Export your transactions to CSV or PDF. Pick a date range, download the file, hand it to your accountant. WIDGETS & APPLE WATCH Home screen widgets in three sizes, and lock screen widgets showing your total, the 24-hour change and a chart without unlocking the phone. On Apple Watch, a full app plus complications for every face style. All of it in the currency you picked. 45 CURRENCIES See your wealth in USD, EUR, GBP, JPY, CHF, CAD, AUD, TRY, NGN, UAH, or 35 others. Live exchange rates, updated automatically. Built for people who want their entire financial picture in one private place. Not a portfolio tracker bolted onto an account system, a wealth dashboard that belongs to you. Questions? Reach out: hey@decentwealth.app Terms of Use: https://decentwealth.app/terms Privacy Policy: https://decentwealth.app/privacy

About

XNLO

Manage your digital assets with a non-custodial wallet that integrates with an AI ecosystem. View balances, send/receive assets across networks, and track activity from your phone. It's built for a clean experience today with future AI agent capabilities.

Highlights
  • Non-custodial wallet
  • Send and receive assets
  • Multi-chain access
  • Wallet activity and balance view
  • Access to NLO ecosystem
  • Foundation for AI agent experiences
Features
Read full description

NLO is a money app and a self custody wallet in one. Add money in your local currency, keep it in your own wallet, and withdraw to your bank whenever you want. No branch visits, no waiting, no minimum balance. SET UP IN YOUR OWN LANGUAGE NLO detects your country and currency the moment you open it, and the whole app is available in twelve languages including English, Hindi, Bengali, Tamil, Telugu, Marathi, Gujarati, Arabic, Spanish, Indonesian, Portuguese and Chinese. ADD MONEY THE WAY YOU ALREADY PAY Choose from bank transfer, debit and credit cards, and the local payment methods people use where you live. Payments are processed by our payment partners and usually arrive within minutes. YOUR MONEY STAYS YOURS NLO is self custody. Your keys are created on your device, encrypted by your device, and never leave it. Not even we can access your funds. A secret recovery phrase lets you restore your wallet on any device. ONE WALLET, MANY NETWORKS Hold and move assets across Ethereum, Base, BNB Chain, Arbitrum, Polygon, Avalanche and more, from a single balance. Send, receive and swap in a few taps. TRADE ON QUANTUM DEX Live prices, clear charts and real pool data. Buy or sell with any token you hold, on any supported network, with fees shown before you confirm. BUILT TO BE SAFE A PIN is required every time you open the app. Add Face ID or Touch ID if you prefer. NLO locks itself when you switch away, and your recovery phrase is shown only to you. INVITE ONLY FOR NOW We are opening NLO gradually so we can support every new person properly. Join the queue inside the app, or use an invite code from someone already using NLO to come straight in. New places open every Friday. The value of digital assets can go down as well as up. You alone control your wallet and your recovery phrase. If the phrase is lost it cannot be recovered by anyone, including NLO.

Screenshots

DecentWealth Portfolio Tracker4 screens
XNLO4 screens

Verdict

The call

The clearest difference is rating: XNLO at 5.0 against DecentWealth Portfolio Tracker's 4.5. XNLO also leads on in-app purchases (none vs 3) and iOS requirement (16.0 vs 18.0). DecentWealth Portfolio Tracker's advantage is chart position (#185 vs unranked) and device support (3 vs 1). On price, ratings volume, update cadence and ads there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. DecentWealth Portfolio Tracker sells 3 in-app purchases, starting at $9.99 per month. XNLO asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

XNLO holds the better App Store score, 5.0 against 4.5. Both are backed by a comparable volume of ratings — 2 and 1 respectively.

UpkeepUpdate frequency

DecentWealth Portfolio Tracker ships an update every 2 weeks, XNLO every 9 days. The most recent releases landed on November 5, 2026 and October 31, 2026 respectively.

Scorecard6 real differences · 5 level
DecentWealth Portfolio Tracker versus XNLO: the parameters behind the verdict, then further details
ParameterDecentWealth Portfolio TrackerXNLO
PriceFreeFree
Rating4.5 (2 ratings)5.0 (1 ratings) — better
Positive reviews100.0% of reviews—
Number of ratings2 — better1
Update frequencyEvery 2 weeksEvery 9 days — better
AdsNoNo
In-app purchasesYesNo — better
MonetizationFreemiumFree — better
Best chart rank#185 — better—
DevicesiPhone, iPad, Apple Watch — betteriPhone
Requires iOS18.016.0 — better
Further details — not scored
Size18 MB53 MB
Age rating4+17+
DeveloperANDRII BONDARLayerOneX

Customer experience

DecentWealth Portfolio Tracker

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews2 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

XNLO

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

3 purchases

DecentWealth Portfolio Tracker

Subscriptions3
  • Monthly$9.991 Month
  • Yearly$59.991 Year
  • Family$99.991 Year
None

XNLO

No in-app purchases

Questions

Is DecentWealth Portfolio Tracker free?
DecentWealth Portfolio Tracker is free to download, with in-app purchases available.
Is XNLO free?
XNLO is free to download, with no in-app purchases.
Which has better reviews, DecentWealth Portfolio Tracker or XNLO?
XNLO is rated higher. DecentWealth Portfolio Tracker averages 4.5 out of 5 from 2 ratings, while XNLO averages 5.0 from 1 ratings.
Do DecentWealth Portfolio Tracker or XNLO have ads?
Neither DecentWealth Portfolio Tracker nor XNLO shows ads.
Which is updated more often, DecentWealth Portfolio Tracker or XNLO?
DecentWealth Portfolio Tracker ships an update every 2 weeks, and XNLO every 9 days. Most recently, DecentWealth Portfolio Tracker was updated on November 5, 2026 and XNLO on October 31, 2026.

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