All your money. One clear picture.
Your bank accounts, home, car, investments, retirement funds and loans are spread across different places. Julula brings them together, so you can see your net worth and how it changes over time, with the tools you need to manage debt, invest and build your wealth.
Julula is in private early access.
Get early access
Leave your email address and we'll let you know when you can join.
See where you really stand
- Net worth. Everything you own and everything you owe in one place, with your net worth worked out for you, month by month, and the change over the last 12 months. See the Net worth tracker →
- Investments. What each investment holds, what you've put in and what it has gained, and what it costs you in fees each year. See the Investment tracker →
- Debt. When each loan will be paid off, how much interest is still to come, and how each payment splits into interest and what you owe. See the Debt tracker →
- Retirement. Whether your savings are on track for the income you want when you retire, in today's money, including rent from a property you let out. See the Retirement planner →
- Private, no bank logins. You add your own figures. Julula never asks for your banking passwords.
Three simple steps
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Add what you own and owe
Your home, car, savings, investments, retirement funds, home loan, car finance and cards. It takes a few minutes.
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Update your values now and then
Monthly is ideal. A quick update keeps the picture current.
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Watch the trend
See your net worth over time, and where your wealth really sits.
Everything you own and owe, together
Free tools, no sign-up needed
Work it out now. What you type stays in your browser.
- Net worth calculator. Add what you own and what you owe, and see your net worth as you type. Try the net worth calculator →
- Debt payoff calculator. See when each loan will be paid off, how much interest is still to come, and what an extra payment changes. Try the debt payoff calculator →
What's coming next
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Coming soon
Statement reading
Upload a statement and let Julula fill in the figures for you to check.
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Coming soon
Document vault
Keep your policies, statements, title deeds and will in one place, next to the accounts they belong to.
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Coming soon
Automatic updates
Forward your statements to your own Julula email address, and your figures are updated for you to check.
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Coming soon
Smarter debt payoff
See which loan to pay off first, and how much sooner extra payments could make you debt-free.
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Coming soon
Retirement in good and bad markets
See the chance your money lasts, not just the average.
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Coming soon
Legacy access
Choose someone you trust to see your financial picture if they ever need to.
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Coming soon
Talk to an accredited advisor
Share your net worth and goals with a licensed financial advisor when you want advice.
Who's behind Julula
Julula is made by a small team with more than 15 years of building software and just as long working in investments and data. We wanted one clear view of our own money and couldn't find a tool that gave us what we wanted and needed, so we built it. Julula is the tool we use ourselves, and we're building it carefully, one step at a time.
Questions
What is net worth?
Everything you own (your home, car, savings, investments and retirement funds) minus everything you owe (your home loan, car finance, credit cards and other loans). It's the clearest single measure of where you stand financially, and watching it over time shows whether you're moving forward.
How do I calculate my net worth?
Add up everything you own, add up everything you owe, and take the second total away from the first. Our free net worth calculator does the sums as you type, with no sign-up.
What counts as an asset and what counts as a liability?
An asset is something you own that has value, such as your home, car, savings, investments and retirement funds. A liability is something you owe, such as a mortgage, car finance, credit cards and other loans. Your net worth is your assets minus your liabilities.
Is my home part of my net worth?
Yes. Count your home at what it would sell for today, and take off what you still owe on its mortgage. What is left is your equity in the home, and it counts toward your net worth.
Is my car an asset?
Yes, at what it would fetch if you traded it in today, which is usually less than you paid. Take off any car finance you still owe. Because cars lose value, it's worth updating the figure now and then.
How is Julula different from a budgeting app?
Budgeting apps track what you spend each month. Julula looks at the bigger picture: what you own, what you owe, and how your net worth changes over months and years, with the tools you need to manage debt, invest and build your wealth.
Do I need to link my bank account?
No. You add your own figures, so Julula never needs your banking logins. Updating your values takes a few minutes.
Which currencies does Julula support?
You choose one main currency when you start, and all your figures are shown in it. Support for accounts in more than one currency is coming.
Is Julula free?
Yes, Julula is free while it's in early access. Julula Plus, with more planning tools, is coming later.
Who can see my data?
Your figures are linked to your own sign-in, and other users can't see them. We don't share them with anyone, and we never sell your personal details.
Do I need to give personal details?
Very few. Julula never asks for your ID number, bank account numbers or banking logins. You need a working email address so we can send your sign-in codes, plus a first name (a nickname is fine), your birth year (for the retirement answer) and your country. You can name your accounts however you like, e.g. "My house" instead of an address, or "Savings" instead of a bank account number.
How often should I update my figures?
Once a month works well. Some values, like your home or car, only need an update now and then.