Pillar 03
Assets counted honestly, not optimistically
The balance grew by 12 850 USD — but how much of that did you earn, and how much did you simply pay in? Revnance separates the two and subtracts inflation.
Three numbers instead of one
Banking apps show the balance growth and call it profit. That is the most common way people overestimate their investments.
Balance growth
+12,850.00 USD
What the bank would show. It includes your deposits.
Nominal return
+7.4%
4 610 USD of gain after subtracting 8 240 USD of deposits.
Real return
+4.3%
After 3,1% inflation — that is how much more you can actually buy.
Returns use the time-weighted method (TWR), so an August deposit does not “spoil” the whole year. The method is shown next to every holding — we do not hide it in the terms.
Where it sits
With 12 300 USD in a current account the real loss is about 380 USD a year. That is also a number worth seeing.
Five minutes once a month
- 01On the first of the month you get a reminder with the list of holdings to copy over.
- 02You enter the balance and any deposit. Deposits are marked separately — without that the return would be overstated.
- 03If you skip a month we count to the last valuation and say so plainly, rather than interpolating.
We do not pull market quotes or exchange rates here. That is deliberate: without integrations we need no access to your brokerage accounts.