Real estate, next to everything else
Your home, a rental, a plot: recorded with their value and their story, contributing to the same net worth as your portfolio.
When your net worth mixes bricks and markets
A property is not a line in a brokerage account, and yet it may be most of what you own. Prisvera holds real estate and market investments in the same calm view.
Ownership shares, counted properly
Half a flat with a sibling, a third with partners: Prisvera scales value and totals to your share, and shows the full figure when they differ.
Loans linked to what they finance
The mortgage lives next to the property it finances, so what you see is the honest net: value minus debt.
Valuations, prudent and yours
Illiquid assets have no daily price. Update your estimate when reality gives you a reason, and the whole view follows.
Everything above is computed on your device, over data encrypted end to end. Only you can see your figures. How the encryption works, in detail
A shared flat, a mortgage and a portfolio
Figures make this concrete. Suppose you own half of a flat valued at three hundred thousand, with a hundred and twenty thousand left on the mortgage, alongside a portfolio of funds.
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The property is recorded with your share
The flat goes in at its full three hundred thousand, with your ownership set to fifty per cent. A hundred and fifty thousand counts toward your net worth, and the full figure stays visible beside it, because the two answer different questions and you will want both.
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The mortgage sits beside what it finances
The outstanding hundred and twenty thousand is recorded as a liability, with your share of it counted the same way the flat is. Sixty thousand against a hundred and fifty leaves ninety thousand of genuine net worth in that flat, which is a very different sentence from owning half of three hundred thousand.
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The portfolio keeps its own rhythm
Your funds are priced by the market, several times a day. The flat is priced by your judgement, a few times a year. Both feed the same total, and neither is asked to pretend to a precision it does not have.
The valuation, the balance and the ownership share are encrypted on your device before they are stored. Our servers hold text they cannot read.
Questions
How is a property I own with someone else counted?
You record your ownership as a percentage, and Prisvera scales the value and every total that includes it to your part. Where your share and the full figure differ, both are shown, so a jointly held home never quietly inflates or deflates what you think you own.
Where do property valuations come from?
From you. An illiquid asset has no daily price, and inventing one would be worse than admitting the gap. Update your estimate when reality gives you a reason: a comparable sale, an appraisal, a change in the street. Everything downstream follows from there.
Can I record the mortgage against the property it finances?
Yes. A loan is recorded as a liability with its outstanding balance and its repayments, in the same view as the assets it paid for, so the figure you read is value minus debt rather than value alone.
Early access
Prisvera is opening gradually
Access is by invitation. Leave your email and we will be in touch when there is room. Clarity is worth the wait.