Percento alternative: on Android, or tracking wealth with your family? HoldingsNest compared

The short version: Percento is a beautifully designed net worth app — no sign-up, and your data stays in your own iCloud. But it’s Apple-only (iPhone, iPad, Mac) and doesn’t let you share one view of your wealth with a partner. If you’re on Android, want to check in from a desktop browser, or want to manage money with your family, HoldingsNest is worth a look.

If your whole household uses Apple devices and it’s just you, Percento is still a great choice — here’s how to decide.

At a glance

	Percento	HoldingsNest
Platforms	iPhone, iPad, Mac, Vision Pro	Any browser (desktop, Android, iPhone), installable to your home screen; App Store / Google Play apps in progress
Account required	No	Yes (email, Google or Telegram)
Where data lives	Your own iCloud	HoldingsNest servers (Google Cloud, Taiwan), encrypted daily backups
Offline	Yes	Shows your last synced data
Price	Free download, premium via in-app purchase	Core features free; premium free for 3 months when you refer 2 friends — paid plans not launched yet
Automatic prices	Global stocks, funds, crypto	Taiwan, US, Hong Kong, Japan and Korea stocks and ETFs, crypto, precious metals; funds need manual prices
Multi-currency	✅	✅
Net worth history, allocation	✅	✅
Same view for the whole family	Not mentioned (Apple Family Sharing shares purchases)	✅ Invite family to a shared ledger (premium)
Per-account visibility	Not mentioned	✅ (premium)
Cost basis and returns	Not mentioned	✅ Average cost, unrealized gains
Loan amortization	Not mentioned	✅ Applied monthly from your loan terms
Account locations, hand-over	Not mentioned	✅ Location list; Dead Man’s Switch (premium)
CSV export	✅	❌ Not yet

“Not mentioned” means Percento’s website and App Store description don’t say — not that the feature definitely doesn’t exist.

What Percento does well

• No sign-up, data in your own iCloud — you don’t hand your data to anyone, which is why many people choose it.
• Polished design — thoughtful animations, themes and charts.
• Works offline and syncs across Apple devices.
• Mature and stable — on the App Store for years and actively updated.

Where HoldingsNest is different

• Any device: your Android phone, your work laptop, your parents’ iPad — just open a browser.
• Built for families: invite your partner or parents to a shared ledger so everyone sees the same net worth, and choose who sees each account.
• Real returns: record buys and sells to get average cost and unrealized gains; mortgages and car loans amortize automatically, so you always know what’s left.
• If something happens to you: record where every account lives (only you can see it); with the Dead Man’s Switch on, it goes to the family members you trust if you stop opening the app.

Which should you choose?

Choose Percento if:

• you and your family all use Apple devices
• it’s just you, and you don’t need to share
• keeping data off any third-party server matters most

Choose HoldingsNest if:

• you use Android, or want to check in from a desktop browser
• you want to see the same picture as your partner or family
• you care about cost basis, returns and how much of your loans is left
• you worry your family wouldn’t know where your accounts are

Moving from Percento

HoldingsNest doesn’t have an import feature yet, so you’ll set up accounts by hand. Because there’s no expense logging, you only enter each account’s current balance or holdings once — usually 10–20 minutes. Importing Percento’s CSV export is on our roadmap.

Frequently asked questions

Is my data safe?

Everything travels over HTTPS and is backed up daily with encryption. We don’t connect to your bank, never store your bank passwords, and never share your financial data with ad platforms. See our Privacy Policy.

Can I use it just for myself?

Yes. Family sharing is an optional premium feature — everything else works without inviting anyone.

Is it really free?

Net worth tracking, automatic prices, cost basis and returns, loan amortization and the account location list are free. Family sharing, per-account visibility and the Dead Man’s Switch are premium — currently free for 3 months when you refer 2 friends.

Sources

• Percento website
• Percento on the App Store