For people building wealth
Everything you’ve built, in one clear picture.
A home loan, shares and super, an investment property, a fund, a stake in a friend’s startup. The more you build, the harder it gets to see whether it’s all working. cent4cent keeps it in one set of books, so you can see how your wealth is spread, what’s growing, and how close you are to retiring early, or whatever you’re working toward.
Why wealth gets harder to see as it grows.
- Your net worth lives across a broker, a retirement fund, a property estimate and a spreadsheet, and never adds up in one place.
- You can’t easily tell whether you’re spread well, or quietly putting more and more into one thing.
- Budgeting apps count an investment or a capital call as spending, or can’t hold it at all.
How one household’s wealth is spread.
A made-up household with a home, an investment property, shares, super and a stake in a startup.
What they own, at 30 September
| Asset or loan | Value |
|---|---|
| Home, at their figure | 1,150,000.00 |
| Investment property, at their figure | 720,000.00 |
| Super | 212,500.00 |
| Shares and ETFs | 184,300.00 |
| Cash and savings | 46,200.00 |
| Startup stake, at cost | 25,000.00 |
| Home loan | −610,000.00 |
| Investment loan | −455,000.00 |
| Net worth | 1,273,000.00 |
- 63% of their net worth is property, once the loans are counted.
- Cash is about 4% of it, so most of their wealth would take time to reach.
- At their current saving rate, they reach their early-retirement number in 2041.
A made-up household, for the example.
What you can see, once it’s all in one place.
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Every asset, in one picture.
Property, shares, super, funds, a business or a startup stake, with the loans against them. At market where there’s a price, at your figure where there isn’t.
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How it’s spread, and what’s performing.
See where you’re concentrated and which assets are growing over time. The decisions stay yours, made with the whole picture in front of you.
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Investments booked properly.
A capital call moves cash into a fund and a deposit on a property moves money into an asset, so neither counts as spending. Say what happened in a sentence and it’s recorded properly.
Property, investments and your business.
Is it a share-trading or portfolio app?
No. It doesn’t stream share prices or chart the market every day. Holdings are valued from your broker’s statements and the figures you give, so you see how everything you own is spread and how it changes over time, alongside the rest of your money.
What value does it give a property or a private holding?
What you paid for it, until you give it a new figure. A figure you give is marked as yours, with its date, so your net worth never pretends to know more than you do.
What if part of it isn’t mine, or there’s a loan against it?
Say it in a sentence, like “my brother owns 40% of this” or “Mum lent me A$15,000 against it, to repay when it pays out”. cent4cent shows what it would record before it records it. Only your share goes in your books, and the loan counts in what you owe. Tax on a gain works the same way: say it once, and when it pays out you’ll see what you’d keep.
Can it handle my own company?
Yes. Your shares are an asset at your figure, and money the company owes you is kept as a figure until it pays you back. The company keeps its own books elsewhere.
See everything you’ve built in one place.
14 days free, no card needed. Then A$10 a month or A$100 a year, and your books are yours to export at any point.