UpdraftFi is a private net worth tracker that combines crypto wallets, DeFi positions, exchanges, cash, investments, property, and liabilities into a single dashboard with zero-knowledge encryption.
What is UpdraftFi?
UpdraftFi is a personal finance and net worth tracking platform built for people whose wealth spans both crypto and traditional assets. Users paste wallet addresses and add manual entries for real estate, cars, and investments; the app fetches balances across 50+ EVM chains, Bitcoin, Solana, and exchanges, then produces net worth snapshots, yield analytics, shared-ownership ledgers, and FIRE projections. Data is encrypted on the user's device before syncing, so the service states it cannot see portfolios or balances.
Key Features
- Multi-wallet, multi-chain tracking — Paste a wallet address once and balances are fetched automatically across 50+ EVM chains, Bitcoin, Solana, and connected exchanges.
- DeFi-aware positions — Tracks supported staking, lending, liquidity, and vault positions, including examples like sUSDe on Ethena, wstETH on Lido, HLP on Hyperliquid, and PT-eETH on Pendle.
- Realized yield analytics — Calculates 30-day yield, average APR, projected annual yield, and cumulative yield from actual balance snapshots rather than advertised protocol rates.
- Zero-knowledge encryption — Financial data is encrypted before leaving the device; the site states it never sees portfolios, balances, or net worth.
- Shared ownership funds — Contributions are priced at NAV and converted into units, so family funds, joint property, and investment clubs keep fair, automatically recalculated ownership percentages.
- FIRE planning — Projects net worth over a 15-year horizon at a configurable return rate, calculates a target from annual spending using the 4% rule, and shows the projected year of financial independence.
- Snapshots and export — Manual and daily automatic snapshots build net worth history, exportable as JSON or CSV for taxes with no lock-in.
- Migration help — Assistance importing history from Excel, Google Sheets, CoinTracker, Koinly, and other tools, free for all users.
Who is it for?
- Multi-chain crypto investors: consolidate wallets, exchange accounts, and DeFi positions into one net worth figure instead of checking each chain separately.
- DeFi yield farmers: measure realized APR and cumulative yield per position across Ethereum, Base, Arbitrum, and Optimism.
- Families and investment clubs: track contributions, units, and ownership percentages for shared funds, joint property, or pooled family investments.
- FIRE planners: model spending, asset-class returns, and net worth growth to estimate a financial independence date.
What can you do with UpdraftFi?
- Track a full balance sheet: add crypto wallets plus real estate, cars, investments, and liabilities to see one net worth number over time.
- Audit DeFi earnings: compare realized yield against advertised APRs position by position and across chains.
- Split shared investments: record contributions at NAV, issue units, and let ownership percentages recalculate automatically.
- Plan financial independence: set a spending-based target, adjust return assumptions by asset class, and watch the projected FIRE year shift.
How does UpdraftFi work?
Setup requires pasting wallet addresses rather than OAuth or scraping. Balances are fetched automatically across supported chains, and users take manual snapshots or enable daily automatic snapshots to build net worth history. All data is encrypted on-device before cloud backup and multi-device sync.
Pricing
UpdraftFi offers a 7-day free trial with no credit card required, then two paid tiers billed monthly or yearly (yearly includes two months free): Basic at $190/year ($15.83/mo) and Pro at $490/year ($40.83/mo). Basic includes 10 on-chain plus unlimited virtual wallets, 10 manual snapshots per month, daily automatic snapshots,
