Real estate, in the picture without pretending to be a real-estate app
For most serious investors, the largest single line on the balance sheet isn't a stock or a fund — it's a home, a rental, a piece of land bought a decade ago. Most portfolio apps pretend that doesn't exist. Evibe doesn't.
What Evibe is: a net-worth tracker that lets you add real estate as a custom asset alongside your equities, with a manual valuation you update at your own pace, optional recurring income tracking, and FX conversion into your portfolio currency.
What Evibe is not: a real-estate valuation service. We don't pull comps from Zillow or its local equivalents. We don't connect to your mortgage lender. We don't track occupancy or expenses. If you need those, you need a property management app — Evibe is the net-worth layer on top.
How it actually works
- You add a custom asset with the "real estate" category. Pick a label — the address, "apartment in Lisbon", whatever helps you recognize it later.
- You enter a value. What you think the place is worth today, in any currency. That value becomes part of your net worth immediately, converted to your portfolio currency at the FX rate of the entry date.
- You update it when you want. Once a quarter, once a year, whenever a new comp comes in. The value-over-time chart reflects each update so you can see the trajectory next to your equity returns.
- You optionally tag a recurring income. Net rent received, less the recurring expenses you want to subtract. The income flows into the same calendar as your dividends, so your monthly income figure is honest about every source.
- Multi-currency handled the same way as stocks. Bought the apartment in EUR, anchor your portfolio in USD? Evibe applies the FX rate at the entry date — no retroactive rewriting.
What we deliberately don't do
- No automated property valuations. We tried using free APIs (Zillow, SeLoger, Idealista and friends) — the data quality wasn't honest enough to be useful. A quarterly manual update from someone who actually knows their local market is better data than an "AI estimate" that drifts 15% per year.
- No mortgage amortization built in. If you want to track equity = property − loan, add the mortgage balance as a separate custom asset (in the "Loans" category) and read the delta on your dashboard. Not as slick as a dedicated property tool, but accurate.
- No occupancy, expense or maintenance tracking. Different product — for operations use a property management app. We're the wealth view on top, not the operational ledger underneath.
Why bother adding it then
Equities update by the millisecond. Real estate updates by the year, sometimes by the decade. Both belong on the same screen — because the ratio between them is what tells you whether you're concentrated, diversified, or both. That picture has been hiding in spreadsheets for too long.
Evibe puts it in your pocket — without pretending to be something it isn't.