Holdings vs Sedge

Holdings is a private net worth tracker that brings your entire financial life into one clear picture — month after month. From cash and ETFs to crypto, real estate, and mortgages, track every line of your net worth and watch it grow over time. WHAT YOU CAN TRACK • Bank accounts and cash • Stocks, ETFs, and bonds — with automatic live prices • Crypto • Real estate and property • Mortgages, loans, and other debts HOW IT WORKS • Create your assets once • Update values each month — manual for accounts, automatic prices and FX rates for market assets • See the trend with clean charts, statistics, and allocation breakdowns MULTI-CURRENCY Hold assets in different currencies and see your whole net worth converted to the currency you choose, with up-to-date exchange rates. PRIVATE BY DESIGN Your financial data stays on your device and syncs privately through your own iCloud — across iPhone, iPad, and Mac. No account to create, no servers storing your portfolio, no ads. Lock the app behind Face ID or Touch ID. STAY ON TRACK Optional monthly reminders help you keep your history complete, so your trend line never has gaps. HOLDINGS PRO Unlock deeper insight with a one-time purchase — no subscription: • Global distribution — see which countries your wealth is invested in • Company & sector distribution — see what your stocks and ETFs are really exposed to • Real estate valuation — automatic property estimates from OMI and HPI data • Import & export your whole portfolio as CSV Start building a clear, honest view of your wealth today.

Your whole net worth, in every currency you hold — without handing your financial life to anyone. Sedge is a net-worth and spending tracker built for Europe. Add accounts by hand, import a statement, and see one honest number across EUR, GBP, CHF and more. ON YOUR DEVICE, NOT OURS There is no account to create and no server to trust. Everything you enter stays in encrypted storage on your iPhone, unreadable while it's locked. We have no ability to see your balances, because they never reach us. No analytics, no advertising, no third-party SDKs of any kind. MULTI-CURRENCY THAT ACTUALLY WORKS Hold accounts in euro, sterling, francs, krona, zloty and more. Sedge converts everything at the European Central Bank's daily reference rates — the same rates your bank quotes against — so your net worth is right, not roughly right. Rates are cached, so the number is still correct offline. IMPORT A STATEMENT IN SECONDS Bring in CSV exports or PDF statements from EU banks. Sedge reads the file on your device, maps the columns itself, and checks that the transactions add up to the closing balance before importing a single row. If the numbers don't reconcile, it says so instead of guessing. Import the same file twice and nothing is duplicated. CATEGORIES WITHOUT THE BUSYWORK Merchants are categorised offline using simple rules — no AI, no cloud, no waiting. Anything Sedge isn't sure about goes to a review card, so you stay in control of what counts as what. SEARCH AND FILTER YOUR HISTORY Find any transaction by name, account or category. Days are grouped and totalled, so you can see what a Tuesday actually cost you. LOCK IT DOWN Require Face ID, Touch ID or your passcode before your balances appear. TAKE YOUR DATA WITH YOU Export everything as CSV for a spreadsheet, or as a full JSON backup, whenever you like. It's your data, so you can always leave with it. SPEAKS YOUR LANGUAGE English, German, French, Spanish, Italian, Dutch, Polish and Portuguese — with amounts and dates in your local format. Change language in Settings without leaving the app. READ-ONLY, ALWAYS Sedge can never move your money. It has no payment capability of any kind, by design. Free. No subscription, no ads, no tracking, no analytics.