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FeaturesBudget and net worth

4 min read

From mindful spending to growing wealth

Expense tracking becomes a tool for managing your finances strategically, while every asset you own rolls up into a single net worth figure.

Income and spending plan
Real-time net worth
Multi-currency support
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Budget and planning

The art of mindful spending

A complete budgeting system that helps you stay on top of your cash flow, avoid unnecessary spending and free up money for future investments sooner.

Personal plan

Detailed monthly or annual plans with a limit for every category, from rent to travel.

Real-time tracking

Donut charts and progress bars show what you have spent and what is left until the end of the period.

Detailed categorization

Spending split across budget categories that suit you: groceries, transport, education, entertainment.

Investing power

Automatic calculation of the amount you can direct into growing your capital.

Overspend alerts

A warning when you go over budget, so you can adjust spending in time.

Wallet sync

Transactions from connected accounts and cash entries are counted in your budget automatically.

Strum budget view with a spending plan by category and progress indicators

Net worth

One complete picture of your wealth

Instead of checking dozens of banking apps and crypto exchanges, you get one consolidated report that shows your net worth in real time.

  • All assets consolidated.portfolios, crypto and cash accounts in a single figure.

  • Savings trend analysis.a visual comparison of your pace of growth across different periods.

  • Cash account management.balances in any currency, across cards, exchanges and cash.

  • Cash flow.income versus expenses, month by month.

  • Debts and liabilities included.an honest view of your real capital with loans taken into account.

  • Change tracking.volatility and value change for the day or the entire holding period.

  • Multi-currency reporting.automatic conversion into your base currency.

Strum Net worth section with total net worth, assets and savings growth over time

Strum removes the boundaries between different asset types, turning scattered accounts into a structured financial system where every cent is under your control.

Budget and net worth

How does Strum connect budgeting and investing?

Strum's budget module helps users see income, expenses, assets, debts, and net worth in one picture. This shows not only portfolio performance, but also investment capacity: how much can be regularly directed toward long-term goals.

FAQ

Frequently asked questions

Yes. You can adapt the system fully to the way you live by creating your own categories and assigning transactions however it suits you, so your statistics stay as detailed as you need.

Strum reflects it on the progress indicators immediately. You see a red zone, which lets you stop in time or review spending in other categories so you stay within your overall plan for the month.

Any change in the balance of your connected accounts, or an expense you add manually, is pulled into the budget automatically. There is no need to sit down in the evening and work out where the money went: the system has already accounted for it.

It is the sum of all your assets (cash, stocks, property) minus your liabilities (debts and loans). It is the one objective measure of your real wealth, and Strum helps you grow it systematically.

The net worth section shows the current market value of your assets. To understand future purchasing power, use our Planner, which can discount amounts for inflation.

You choose a single base currency (USD or UAH, for example), and Strum automatically converts all your hryvnia cards, euro accounts and crypto holdings into it at the current exchange rate.

You can create a separate account with a negative balance in the liabilities section. When your total net worth is calculated, the system subtracts that amount from your assets automatically, giving you an honest picture.

Yes. The savings bar chart lets you go back to any past period and compare how your wealth changed thanks to investing and saving.

More Strum features

Goals and planner

Turn your investing power into a financial goal.

Read more

Dashboard

One screen for all your assets and portfolios.

Read more

Analytics

Realized and unrealized P&L, dividends and sectors.

Read more

Features overview

See how budget, portfolios, goals and analytics work together.

Read more

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