Investments
Investments and net worth in Amon Budget
See cash and investments together and understand your portfolio result: annual XIRR, time-weighted return, and dividends and coupons inside the portfolio. Net worth subtracts your debts. Pro adds multiple portfolios, market prices within supported coverage, and allocation and value-history charts.
Your budget and portfolios, in one place.
Portfolio results describe past transactions and valuations, not future returns. Annualized XIRR is hidden for histories shorter than 90 days; insufficient data or no solution does not mean 0%. A cost-based valuation differs from a market quote. Cash inside a portfolio (deposits, withdrawals, currency exchange, dividends, coupons, taxes) is tracked, and a time-weighted return (TWR) is shown alongside XIRR. In Pro you can import an Interactive Brokers Activity Statement (CSV) or the Amon CSV template for other brokers: trades, dividends with withholding tax, deposits, withdrawals and splits land in the portfolio, and a re-import skips rows already loaded.
Why XIRR and TWR differ: a worked example
| Date | Event | Portfolio value |
|---|---|---|
| 2025-01-01 | Deposit 1,000 | 1,000 |
| 2025-07-01 | Up 10% | 1,100 |
| 2025-07-02 | Deposit 1,000 | 2,100 |
| 2026-01-01 | Down 5% | 1,995 |
TWR = 1.10 × 0.95 − 1 = +4.5%: it measures the investments themselves, whatever the timing of your deposits. XIRR = −0.33% a year: it measures your money — most of it arrived just before the fall, so 2,000 went in and 1,995 is left. Both numbers are pinned by unit tests in Amon’s code.
Actual Amon screens with fictional data. Figures illustrate the interface, not an investment strategy or future returns.
Information, not personal investment advice. Amounts are a guide based on your data.
What is free and what requires Pro?
Core is free and ad-free. Pro is $4.99 a month on the US App Store; in other countries the store sets the local price. Members inherit Pro from the owner of their shared workspace.
What works offline, and where is my data processed?
Everyday budgeting is saved locally and syncs through our backend when connected. Investments, fresh exchange rates and AI need a connection. AI requests are processed through our backend by an external model provider. No bank login is requested.
Is the investment plan investment advice?
No. Amon shows a guide based on your own budget and your questionnaire answers; it never names what to buy for you. Information, not personal investment advice.