App Help Guide

A guide to using Track My Wealth on your phone. This is the guide the app itself links to — it's a separate document from the browser app's own Help page, since some workflows and features differ between the two. The pictures show the app in English; your app shows the same screens in your chosen language, and the numbers in each picture match the list underneath it.

Last updated: 10 October 2026

1. Signing in and creating your account

Signing in

Open the app and enter the email and password you use for Track My Wealth. Tap Show beside the password to check what you typed (it becomes Hide), then tap Sign in. If you've forgotten your password, tap Forgot password? below the Sign in button and we'll email you a reset link.

Once you've turned on Face ID sign-in (see section 13), you can tap Sign in with Face ID instead of typing your password. If Face ID can't verify you, just sign in with your password.

The Track My Wealth sign-in screen with email and password fields, a Show link, the Sign in button and a Sign in with Face ID button.Sign-in screenEmailPasswordShow or hide the passwordSign in buttonForgot password? linkSign in with Face ID

Two-factor code at sign-in

If you've turned on two-factor authentication (see section 13), you'll be asked for a 6-digit code from your authenticator app — or one of your backup codes — after entering your password.

The sign-in screen asking for a 6-digit authenticator code, with a Verify button and a Back link.Two-factor code entryAuthenticator or backup codeVerify buttonBack link

Creating an account

Tap Sign up from the sign-in screen. Enter your name (optional), email, and a password of at least 8 characters, then confirm the password and tap Create account. Your email is your username — you'll use it to sign in from now on.

Choose your Country when you create your account. It sets the currency and tax settings you start with, and you can change it later in Settings.

After you sign up, we'll send a confirmation link to your email address. Open that email and tap the link to activate your account, then come back to the app and sign in. If you don't see the email, use Resend confirmation email on the "Check your email" screen.

The Create your account screen with name, email, password and confirm password fields.Create your accountName (optional)EmailPasswordConfirm passwordCreate account buttonAlready have an account? Sign in

Once you're signed in for the first time, you'll be guided to create your first wealth file — this is where everything you own and owe gets tracked. You can read the Terms & Conditions at any time from the link at the bottom of the sign-in screen.

2. The four tabs and your Home screen

The bar at the bottom of the app has four tabs — Home, Overview, Files and Settings. Every account sees the same four tabs, whatever type of account you have.

On a tablet the four tabs move into a sidebar down the left of the screen and the app uses the extra width. See section 17.

The first time you open the app

With no wealth files yet, Home shows a "Welcome aboard" card with a short explanation and a + Create your first wealth file button. It's free, no card required, and you can add, edit or remove anything later.

The Home tab for a new account showing a welcome card and a Create your first wealth file button.Home tab for a new accountGreeting lineWelcome cardCreate your first wealth file button

Once you have at least one wealth file

Home shows a "Total net worth" card with your combined figure and how much it's changed this month, a + New wealth file button, and a card for each of your wealth files underneath — tap any one to open it.

The Home tab showing the total net worth card, a New wealth file button and a wealth file card.Home tab with a wealth fileTotal net worth card+ New wealth file buttonWealth file card

Light and dark appearance

The app follows your phone's light or dark setting by default. You can also choose Light or Dark yourself in Settings (see section 13).

The Home tab in dark mode.Home tab in dark modeTotal net worth card+ New wealth file buttonWealth file card

If you manage other people's files (power users and admins)

If your account can manage other people's wealth files — for example if you're a financial adviser or accountant with clients on the platform — Home instead shows your own file separately from a searchable "Your clients" list, plus buttons to + Create client or + Add wealth file. Super admin accounts additionally see a couple of platform-wide stat tiles here (Users, Active wealth files) and recent-signup and complimentary-access summaries — this part of the app is for Track My Wealth's own support team. See section 15 for managing clients.

3. The Overview tab

Overview shows your combined net worth across every wealth file you can see. Tap 1M, 3M, 6M, 1Y or All to change the time range of the trend chart and the change figure. Below the chart, a tile for each category shows its total, its share of your wealth and how it has changed.

The Overview tab with the combined net worth card, time range chips, a trend chart and category tiles.Overview tabCombined net worth cardTime range chipsNet worth trend chartCategory tile

4. Your Files

The Files tab lists every wealth file you can see — your own, plus any shared with you or that you manage. A file that isn't yours shows who shared it and what level of access you have (Owner, Manager, Editor or Viewer). Tap a file to open it.

The Files tab listing wealth files with a New button.Files tab+ New buttonWealth file card

Creating a new wealth file

Tap + New (or + Add, if you manage other people's files). Give the file a name — a nickname like "Family finances" or "SMSF" helps if you'll have more than one — and tap Create wealth file. It starts completely empty.

The New wealth file screen with a Name field and a Create wealth file button.New wealth fileName fieldCreate wealth file button

Renaming or deleting a wealth file

To rename a file, open it, go to its Settings screen, and change the "Wealth file name" field — it saves automatically. To delete one, open it, tap the ⋯ menu in the top corner, then Delete wealth file. A deleted file can be restored within 30 days; after that it's gone for good. Everyone it was shared with loses access immediately.

5. Opening a wealth file

Tapping a wealth file opens it to a header showing its name and current net worth. At the bottom, a switch moves between two views: Overview and Holdings. If you only have view access to a file, you'll see a "View only" note instead of the usual edit tools.

Holdings view

Holdings lists your entries. Under the header are three quick-action buttons — Insights, Settings and Cash flow — then a row of category chips, then the entries for the category you've chosen. The gold + button adds a new entry. The ⋯ menu at the top right holds the file's other options (see "The file menu" below).

A wealth file in Holdings view with quick-action buttons, category chips, a property entry and the gold add button.Wealth file, Holdings viewFile options (⋯) menuInsights, Settings and Cash flow buttonsCategory chipsProperty entryAdd (+) buttonOverview and Holdings switch

Swipe left and right across the entries area, or tap a chip, to move between the ten categories: Properties, Shares, Cash, Loans, Super, Other assets, Crypto, Income, Goals and Insurance. Which categories you see, and in what order, can be changed for every file you own from that file's Settings screen (see section 7).

Overview view

Overview shows this one file's net worth, the time range chips, the trend chart and a tile for each category, in the same way as the Overview tab does for all your files together.

A wealth file in Overview view with a net worth card, range chips, a trend chart and category tiles.Wealth file, Overview viewNet worth cardTime range chipsNet worth trend chartIncome tileCategory tileOverview and Holdings switch

Viewing an entry

Properties, shares, cash, loans, super funds, other assets and crypto holdings can be tapped to expand in place, showing extra detail before you commit to editing:

  • Properties always show a short summary underneath — current value and the date it's as of, annual rent and yield, any linked loan balance and your resulting net equity, and loan repayments — even before you tap to expand.
  • Properties, shares, crypto and loans show a value-over-time chart when expanded — properties and loans show a forward growth projection, while shares and crypto show their real price history instead.
  • Properties, shares and crypto also show an editable yearly valuation table when expanded, so you can enter a known value for a specific past year rather than relying on the estimate.
  • Cash and other assets show that same editable yearly valuation table, without a chart.
  • Super funds show a breakdown of every asset and loan you've tagged to that fund, with a net total.
An expanded property entry with a ten-year projection chart, a yearly price table link and an Edit button.An expanded property entryEntry header (tap to collapse)Ten-year projection chart with the linked loanShow yearly price tableEdit button

Income, goals and insurance entries are simpler — tap one to go straight to its edit screen.

Adding, editing and saving

Tap the gold + button to add a new entry to whichever category you're viewing. Tap Edit inside an expanded entry (or tap a plain row) to change it. Nothing is stored until you tap the save button. It reads Save when you're adding a new entry and Save changes when you're editing an existing one. Cancel leaves the entry exactly as it was, and Delete removes it.

The Edit property form with Save changes, Cancel and Delete property buttons.Editing a propertySave changes buttonCancel buttonDelete property button

If you try to leave a screen with something unsaved, you'll be asked whether to keep editing, save what you've entered, or discard it — so a stray back-swipe never silently throws away your work.

A prompt asking whether to keep editing, save or discard unsaved changes.Discard changes promptKeep editingSaveDiscard

Undo

If you delete something by mistake, a message appears at the bottom of the screen for a few seconds with an Undo button — tap it to bring the entry straight back.

The Entry removed message at the bottom of the screen with an Undo button.Undo after deleting an entryMessageUndo button

Profiles and the household total

Some wealth files hold more than one profile, for example you and a partner, or a family trust or SMSF. When a file has profiles, a Profile bar appears above the file. Tap it to switch profile, or to Add profile, Rename or Delete one. Viewers can switch profiles but can't change them. Every tab, chart and report then shows the profile you picked. The choice is remembered on this phone only, so it won't change what someone else sees.

With more than one profile, a Household total card at the top of Overview combines them all, with a row for each profile. Tap a row to switch to that profile. Your Home and Files lists show the household total for these files, and an exported report adds a household summary page followed by a page for each profile.

The file menu

Tap the ⋯ button at the top right of a file for its other options: Settings, Export report, Share summary with an AI, Past exports, Notes, Manage access and Delete wealth file. Each is covered in the sections that follow.

The file menu listing Settings, Export report, Past exports, Notes, Manage access, Delete wealth file and Cancel.The file menuExport reportPast exportsNotesManage accessDelete wealth file

6. Adding and editing entries

Every category uses the same basic form — a list of fields with clear labels, a Save button at the bottom (Save changes when you're editing an existing entry), and, when editing, a Delete button too. Fields marked "optional" or "blank = default" can be left empty. Shares and crypto holdings also get a Refresh live price button, and a search option if a ticker symbol can't be matched automatically.

What each category actually asks for:

Properties

  • Nickname and address
  • Purchase price and the date purchased (the contract date). The details are split over three tabs: Property details, Income & expenses, and Purchase & improvements, where you also list improvements with their cost and the value they added
  • Current value (your own valuation, if you know it) and its growth rate
  • Annual rent and its growth rate
  • Council rates, strata/body corporate fees, insurance, maintenance, and management fees
  • State/territory and land value, for the land tax estimate — plus a "primary residence" toggle, which is exempt
  • Which super fund it belongs to (if any), and a beneficiary note

Shares

  • Ticker symbol (used to look up a live price) and quantity held
  • Current price per unit — refreshed automatically, or set your own
  • Year acquired, annual dividend per unit, franking percentage, and average cost per unit (for CGT)
  • Growth rate, super fund, and beneficiary

Cash

  • Account name and current balance, plus currency and exchange rate if it's not in AUD
  • A start year and starting balance, so the real growth rate to today can be worked out automatically — or a manual growth rate if you'd rather set that yourself
  • An interest rate, shown on the Cash flow screen
  • Super fund and beneficiary
  • Money in and out: list deposits, inheritances, gifts and withdrawals below the balance. The opening balance is worked out for you so the lines always add up. Tick In balance to add a line to the current balance

Loans

  • Loan name and original amount
  • Interest rate, start year, and term — with these three set, the balance owing today and your annual repayment are both calculated automatically
  • An interest-only toggle, and a residual/balloon amount if relevant
  • What the loan is linked to (a property or other asset), and its super fund

Super

  • Fund name
  • Fund type — industry, retail, or self-managed (SMSF)
  • Retirement planner balance and the date it is as at (optional). Leave the balance blank and the grey figure shown is used; type one from your fund statement only if you want the Retirement planner to use that instead. It never changes your net worth.

A super fund's own balance comes from whatever you tag to it elsewhere (properties, shares, cash, and so on) — see "Viewing an entry" above.

Other assets

  • Asset name and category (private equity, business interest, collectibles, art, crypto, or other)
  • Value, currency and exchange rate
  • Start year and growth rate, to project the value forward from that year
  • Super fund and beneficiary

Crypto

  • Ticker symbol and name, and quantity held
  • Current price — refreshed automatically, or set your own
  • Purchase date and price per unit
  • Growth rate, super fund, and beneficiary

Recording a sale

Open a share, crypto holding, investment property or other asset and tap Record a sale (save any changes first). Enter the date, the units sold (shares and crypto), the sale price and any fees, then choose the cash account that receives the proceeds. If a loan is linked to the asset, you can pay it out of the proceeds or keep it.

The holding then shows as Sold (or loses the units), the proceeds appear in the cash account's money in and out, and the sale shows in the Capital gains screen on your phone and the Capital gains tab in the browser. A sale dated in the future is stored as scheduled. Tap Remove sale to reverse it. Estimated tax is not taken out of the cash.

Income

  • Income name
  • Type — salary, consulting, or self-employed
  • Annual amount, after tax
  • Pay before tax a year — worked out for you from the after-tax amount (shown in grey) unless you type your own. Typing it with no after-tax amount fills the after-tax amount in for you.
  • Super contribution rate (%) — blank means 12% for a salary and none for consulting
  • This income — continues, stops when you retire, or stops after a year you choose (then enter the last year received)
  • Super contributions a year — worked out from the rate (shown in grey), or type a dollar amount instead

Goals

  • Goal name
  • Target net wealth and target year

Insurance

  • Type — life, TPD, income protection, trauma, or other
  • Sum insured and annual premium

7. Wealth file Settings

Open a wealth file and tap the Settings quick-action button (or ⋯ → Settings) to reach it. Everything here saves automatically as you change it, except Legacy contact, which has its own explicit save button. A "Saved" note at the top confirms it.

The top of the wealth file Settings screen with the file name, growth and tax defaults and the included-in-totals switches.Wealth file Settings, topWealth file name (renames the file)Default growth rates for this fileMarginal tax rateIncluded-in-totals switchesSaved status
  • Wealth file name — rename the file here.
  • Growth & tax defaults — the property, rental, share and crypto growth rates, and the marginal tax rate, used for any entry that doesn't set its own.
  • Included in totals — switch a category off to leave it out of this file's Insights widgets.
  • Who has access — everyone on the file, with their role. Owners and managers can revoke someone here.
  • Weekly summary email — get this file's net worth emailed to you once a week (owner only).
  • Legacy contact — if you go quiet for a while, we'll check in, then send this person a read-only snapshot of the file (owner only). Nothing is sent unless the check-in goes unanswered.
  • Display — choose which of the ten category tabs show and in what order, plus which Insights widgets appear. This applies to every wealth file you own, not just this one.
The lower part of the Settings screen with the access list, weekly email switch, legacy contact and Display section.Wealth file Settings, access and displayWho has access listRevoke buttonWeekly summary email switchLegacy contact switch and detailsSave contact buttonDisplay section (tab order and visibility)

8. Insights

Tap the Insights quick-action button on an open wealth file to see a set of estimate widgets built from that file's data: Tools (calculators), an asset breakdown, a net worth benchmark against others your age, a FIRE countdown, a future wealth projection, retirement drawdown, an estimated land tax figure and a net worth history chart. Tap a card to open it. Turn individual widgets on or off from the Display section of the file's Settings screen.

The Insights screen with a Tools button and cards for asset breakdown, benchmark, FIRE countdown, future wealth projection, retirement drawdown and land tax.InsightsTools buttonAsset breakdown cardFIRE countdown cardFuture wealth projection cardEstimated land tax card

The drawdown table lists, for each age, the Rate used, the Annual drawdown (what you draw that year) and the remaining Balance, so you can see how long your savings might last. It's an estimate only.

Every figure here is a general estimate based on what you've entered — not financial, tax, or legal advice. See the Terms & Conditions for the full disclaimer.

9. Cash flow

Tap the Cash flow quick-action button to see your money moving in and out over a year: rent, dividends, interest, salary and consulting income, minus loan repayments and property holding costs, for a net income figure, followed by a five-year projection of available income. Properties and shares each get their own breakdown showing their individual yield. An estimated negative-gearing tax benefit is also shown here — this one figure is only available on the Advanced plan.

The Cash flow screen with income and cost tiles, a net income tile, a projected income chart and a properties table.Cash flowIncome and cost tilesNet income tileProjected available income chartProperties table

Capital gains report (Australia)

Tap the Capital gains quick-action button for your estimated capital gains tax, worked out by the server the same way as the browser. You get a summary for each financial year (gains, indexation, losses used, 50% discount, taxable gain and tax), a list of each sale with how it is taxed, and the unrealised gain on every holding you still own with an estimate of the tax if it were sold today. Tap a sale or holding to open it. At the bottom you can change the other taxable income, capital losses carried forward and income support setting used for the estimate (owners and editors only), and tap Export report to save or share it as a PDF. It is a rough estimate, not tax advice.

10. Sharing a wealth file

Open a file, tap ⋯ → Manage access (owner or manager only), and you'll see everyone who currently has access, plus an invite form.

The Manage access screen with a list of people and roles and an invite form.Manage accessRole and Pending markerRole pickerRemoveInvite email fieldRole for the invitationSend invite
  • Owner — full control, including deleting the file and changing owner-only settings.
  • Manager — can edit entries and manage who else has access.
  • Editor — can view and edit entries, but can't manage sharing or delete the file.
  • Viewer — read-only access.

To invite someone, enter their email, choose Editor or Viewer, and tap Send invite. The invitation shows as Pending until they accept. To change someone's role, use the role picker beside their name; to remove their access, tap Remove.

11. Notes

Open a file and tap ⋯ → Notes to keep a running, timestamped log of anything worth remembering about this file — a valuation you got, a decision you made, anything at all. Type a note and tap Add note. Notes show who wrote them and when, and can be removed if you have permission to.

The Notes screen with a note box, an Add note button and a list of saved notes.NotesNote boxAdd note buttonA saved noteRemove

12. Exporting a report

Tap ⋯ → Export report and choose Full report (a complete summary of the file) or Lender statement (a tidier view for a bank or broker). The report is made as a PDF. On iPhone it opens in a preview you can share. On Android the app can't show a PDF inside itself, so tap Share / Save to open it in your PDF viewer, save it to Drive or Files, or send it by email.

The Export report chooser with Full report, Lender statement and Cancel.Export reportFull reportLender statement

Reports you've made are kept on your phone under ⋯ → Past exports, so you can open or share one again. Tap Remove to delete the saved copy — this only removes it from your phone, not your wealth file.

The Past exports list with saved reports and a Remove button on each.Past exportsA saved export (tap to open the PDF)Remove

Sharing a summary with an AI assistant

On the Advanced plan you can share your wealth file with an AI assistant such as Claude or ChatGPT and ask it questions in plain English. Tap ⋯ → Share summary with an AI. The app asks our server to write a plain-text summary of the file (for the profile you have selected) and opens your phone's share sheet. Tap Copy and paste it into a chat, or pick the Claude or ChatGPT app in the share sheet to send it straight there.

The summary includes your figures and estimates but not your Notes, your legacy contact, who the file is shared with, or any email addresses. It is a snapshot of the moment you share it, so share again after your figures change. If your account isn't on the Advanced plan, the app tells you. Once shared, the text is handled under the assistant company's own terms and privacy settings, and any answers are general information, not financial, tax or legal advice.

Want the assistant to look up your figures itself, without pasting? That is a live, read-only connection, set up once on a computer in the assistant and approved on the Track My Wealth website. The steps are in the browser Help Guide. Anything you connect is listed under Account → Connected AI apps on the website, where you can disconnect it at any time.

13. Settings tab, account & security

The Settings tab (bottom navigation) shows who you're signed in as and holds your appearance, language, plan and security settings.

The top of the Settings tab with the signed-in card, appearance options, a language row and the plan row.Settings tabSigned in as cardAppearance: Automatic, Light or DarkLanguage rowPlan row

Appearance and language

Under Appearance, choose Automatic (follows your phone), Light or Dark. Tap Language to open the list and pick one of Automatic, English, Chinese, Vietnamese, Arabic, Hindi, French, German or Spanish. The whole app switches straight away, and so does this guide.

The language list opened, showing Automatic and the eight available languages with the current one highlighted.Language listLanguage rowCurrent languageLanguage choices

Security and support

Two-factor authentication and Face ID sign-in live under Security. Under Support you'll find Help (this guide), Contact Us, the Terms & Conditions and the Privacy Policy.

The Security and Support sections of Settings.Security and supportTwo-factor authentication rowFace ID sign-in rowHelpContact UsTerms & Conditions and Privacy Policy

Two-factor authentication

Tap Two-factor authentication to turn it on. Scan the QR code shown with an authenticator app (Google Authenticator, Authy, or similar) — or enter the code underneath it by hand if you can't scan — then enter the 6-digit code it gives you and tap Verify and enable. You'll then be shown a set of one-time backup codes; save or share them somewhere safe, since they're only ever shown once and are the only way back in if you lose access to your authenticator app.

The two-factor setup screen with a QR code, a manual code, a field for the 6-digit code and a Verify and enable button.Setting up two-factor authenticationQR code to scanManual code6-digit code fieldVerify and enable

Once it's on, you can view a fresh set of backup codes or turn two-factor authentication off again at any time — both ask you to re-enter your password first.

Face ID sign-in

Face ID sign-in lets you sign in with your face instead of typing your password. After you sign in with your password, the app offers to enable Face ID for next time. You can turn it off at any time with the Face ID sign-in switch in Settings; to turn it back on, sign out and sign in again with your password and you'll be offered Face ID right after.

Signing out, the server address and the app version

At the bottom of Settings you'll find Delete account (see section 16), the Server address with a Change link, Sign out and the app's version and build number. The Server setting is a development setting used while the app is being tested, and isn't something you need to change. Tap Sign out and you'll be asked to confirm, with an optional star rating for your experience — rating is entirely optional and never required.

The bottom of Settings with Delete account, the Server address, Sign out and the app version.Account, server and sign outDelete accountServer address and Change linkSign outApp version and build

Changing your password or profile

To change your password, go to Settings → Account → Change password. Enter your current password, then the new password twice (at least 8 characters). If two-factor authentication is on, you'll also be asked for a code from your authenticator app. When it's done, your other devices are signed out and this one stays signed in. You can also change your Country in the same Account section. To change your name or other profile details, sign in to the browser app at trackmywealth.au.

14. Plans and subscriptions

Track My Wealth has three plans. Starter is free. Advanced adds Australian tax and scenario tools on top of Starter. Client Manager adds everything in Advanced plus client management. Your current plan is shown on the Plan row under Subscription in Settings — tap it to see your plan or to upgrade.

Both paid plans include a 14-day free trial. A card is required to start, but you won't be charged until the trial ends, and you can cancel any time before then. Use the Monthly and Annual buttons at the top to choose how you're billed — Annual gives you two months free. The price for your choice is shown on each plan card.

The plan screen showing Monthly and Annual buttons, the Advanced plan card, its price and a Start 14-day free trial button.Upgrade your planMonthly (selected)Annual, 2 months freePrice for the chosen billing periodStart 14-day free trial

Further down you'll find the Client Manager card, a Restore purchases button (for getting your plan back after reinstalling the app or changing phone) and the renewal notice with links to the Terms of Use and Privacy Policy. Subscriptions renew automatically unless you cancel at least 24 hours before the end of the current period.

The Client Manager plan card with a Start 14-day free trial button, Restore purchases and the auto-renewal notice.Client Manager planClient Manager plan cardStart 14-day free trialRestore purchasesAuto-renewal and cancellation noticeTerms of Use and Privacy Policy links

If you already have a plan

The Plan screen shows your plan, its status, your next renewal date and how you're billed. If you subscribed through the App Store or Google Play, tap Manage in App Store (or Google Play) to change or cancel — Apple and Google handle that, not us.

The subscription status screen showing the plan, status, next renewal, billed through and a Manage in App Store button.Your subscriptionYour plan and how you are billedPlan detailsManage in App StoreYour plan and how you are billedPlan detailsManage in Google Play

Want to manage other people's finances? On the Plan screen, an Advanced plan bought through the App Store or Google Play shows an Upgrade to Client Manager option with a Monthly / Annual choice and the price. The upgrade is billed through the same store.

On Android, your Advanced subscription keeps running until you cancel it in Google Play, because Google Play lets plans stack. After upgrading, cancel Advanced there so you aren't billed for both.

If your account has been given complimentary access, the Plan screen says so and shows no renewal or billing details — there's nothing to pay or cancel.

The subscription screen for an account with complimentary access.Complimentary accessPlan and complimentary access notePlan details

15. For power users and managers

If your account manages other people's finances, tap + Create client from Home or Files to set up a brand-new client in one step — their account and their first wealth file are both created together. Enter their name and email and a temporary password, then tap Create client. Share the temporary password with them another way (phone or in person) — they can change it once they're in. Adding clients needs the Client Manager plan; if you don't have it yet, View plans takes you to the upgrade screen.

The Create client screen with a message that adding clients needs the Client Manager plan, a View plans button and fields for the client.Create clientPlan-needed messageView plans buttonClient nameClient emailTemporary passwordCreate client button

Your plan includes some client slots; the Add client capacity screen shows how many you've used and offers capacity packs to add more, each billed monthly and renewing automatically until cancelled. Tap Buy on the pack you want, or Restore purchases if you've bought one before.

The Add client capacity screen with slots used, three capacity packs with monthly prices, a Buy button, Restore purchases and the renewal notice.Add client capacityClient slots usedA capacity pack with its monthly priceBuy buttonYour current packRestore purchasesRenewal noticeClient slots usedNote: cancel your pack in Google Play before switching sizeA capacity pack with its monthly priceYour current packRestore purchasesRenewal notice

Capacity packs only work on top of the Client Manager plan. If you're on a lower plan, the capacity screen says so and a View plans button takes you to the upgrade screen. On Android you can hold one pack at a time. You can also open the capacity screen any time from the Client capacity row in Settings, which shows how many client slots you've used.

16. Deleting your account

To delete your account, go to Settings → Delete account. The screen lists what will be deleted, including the wealth files you own.

  • If you subscribed through the App Store or Google Play, cancel that subscription first — deleting your account does not cancel it, and you may keep being charged.
  • To confirm, enter your password and type DELETE, then tap Permanently delete my account.
  • We keep a recoverable copy for 30 days. If you change your mind, email info@vergetec.au within that time and we can restore it. After that it is permanently erased.
The Delete account screen with the list of what will be deleted, a store subscription warning, a password field, a Type DELETE field and a Permanently delete button.Delete accountWhat will be deletedStore subscription warningYour passwordType DELETE to confirmPermanently delete my account

17. Using Track My Wealth on a tablet

What changes on a tablet

On a wide screen, such as a tablet, the bottom tabs become a sidebar on the left with Home, Overview, Wealth files, Tools and Settings. Super admins also see Users there. On the widest screens the sidebar shows labels; on narrower ones it shrinks to icons. Open a wealth file on a large tablet held sideways and you'll see its Holdings and Overview side by side instead of switching between them.

The Home screen on a tablet with the sidebar on the left and the net worth card and wealth files on the right.Home on a tablet
A wealth file on a tablet shown in two panes, with holdings beside the overview.A wealth file on a tablet

Rotating your tablet

Tablets can be used upright or sideways, and the app rearranges itself as you turn it. Phones always stay upright (portrait), so rotating a phone won't change the screen.

Devices and versions

The Android app needs Android 7.0 or newer and works on phones and tablets. The iPhone and iPad app needs a recent version of iOS or iPadOS and runs as a full app on iPad, with its own tablet layout in portrait and landscape. The layout follows the width of the window, so it also adapts to split-screen and foldable displays. On iPad, this guide shows pictures of the iPad screens.

18. Who owns what: trusts, companies and SMSFs

This section is for Australian files. If some of what you track is owned through a family trust, a company or a self-managed super fund (SMSF), you can record who owns each holding and see everyone's share. It is a record-keeping view with rough estimates only, not tax or legal advice.

Setting up owners

Open a wealth file, tap the ••• menu at the top, then tap Owners. Tap Add owner, enter a Name, choose the Type (a trust or a company) and, if you like, the Tax rate on gains (%) and any Losses carried forward ($). Tap save when you're done. An owner that still has holdings assigned to it can't be removed until you move those holdings to another owner.

An SMSF is not added here. Enter it once on the Super funds tab and it appears as an owner automatically.

The Owners screen listing a family trust and a company, each with a type and a tax rate on gains, and an Add owner button.OwnersOwner name and typeTax rate on gainsAdd owner button

Assigning a holding to an owner

When you add or edit a holding, use Owner (who shares this) to choose who holds it. To split a holding, choose People (split by profile) or a trust or company group and enter each share as a percentage. The shares must add up to 100%; the form tells you if they don't. A loan follows the owners of the asset it is linked to. For capital gains, use Owner (for capital gains) so the right discount and tax rate are used.

The By ownership view

Once you have owners, or have split a holding between people, a Traditional | By ownership switch appears at the top of the file. By ownership shows each person's share of everything, including what they benefit from through trusts, companies and SMSFs. This view is read-only. Tap Switch to Traditional to edit to make changes. The By ownership figures are a different way of cutting the same information, so they will not match the file's net worth.

The By ownership view with a Traditional and By ownership switch, a read-only banner and each person's share of properties, shares, cash and loans.By ownershipTraditional and By ownership switchRead-only bannerEach person's share

19. Capital gains

The Capital gains button on an open Australian wealth file shows an estimate of the capital gains tax on the sales you have recorded, by financial year, and the unrealised gain on what you still hold. It is a rough estimate, not tax advice. It leaves out foreign currency conversion, managed fund distributions and wash sale rules.

The Capital gains report showing estimated tax across financial years, a year-by-year table and unrealised gains on holdings still held.Capital gainsEstimated tax on your salesBy financial yearUnrealised gains

Recording a sale

Open a holding and tap Record a sale. Enter the sale date, units sold, price and any fees, choose the cash account for the proceeds and, if the asset has a linked loan, whether to pay the loan out of the proceeds. A sale dated in the future is stored as scheduled and recorded on its date. Sold holdings move to the bottom of the list with a Sold label. You can remove a sale to put the units, cash and loan back as they were.

Earlier buys, parcels and 2027 values

Each buy is kept as a parcel, and the report shows the Parcels still held with the cost base of each. If your file has buys from an earlier version, they appear under Earlier buys and are used as the cost base. From 1 July 2027 the way gains are taxed is changing, and the report shows a value at 30 June 2027 for each holding. Leave it blank to use the estimate, or type a figure to override it. Because the final rules are not yet settled, these figures may change.

Owner, tax rate and settings

Choose who owns the assets (an individual, trust, company or SMSF) because that sets the discount and tax rate. Under Capital gains settings you can enter other taxable income a year, capital losses carried forward, and whether you receive an income support payment.

Importing trades and sharing with your accountant

Tap Import trades from a CSV, paste the export from your broker or exchange (CommSec, CoinSpot, Stake, SelfWealth, Vanguard or Interactive Brokers) and tap Check the file. The app tells you how many trades it will add, how many it already has and how many it skipped, then tap Import. Only buys and sells are read; your cash and holdings are not changed. Tap Share CSV for your accountant to send the ledger, or Export report for a report.

20. Retirement planner

The retirement planner is on the Advanced plan for Australian files. Tap Insights on an open wealth file, then Retirement planner (it sits under Tools). It estimates, in today's dollars, how long your super and savings could last after work stops. If you leave spending blank, it shows the steady yearly income your money could support.

The Retirement planner with year of birth and retirement age fields, a headline figure and a retirement cash flow chart.Retirement plannerYour settingsHeadline resultRetirement cash flow chart

Enter your Year of birth, Retire at age and optionally your spending, pay, Age Pension, super contributions, growth and inflation. The result tells you how much a year your money could support, or the age it runs out. A chart shows where each year's income comes from, a year-by-year table lists your balance, and Compare retirement ages shows what changes if you retire earlier or later. When a file has more than one profile, the Combined view shows a household plan built from everyone's super and savings; switch to one person's profile to change settings. It is a rough estimate only, not financial advice.

21. Loan history

Loan balances have no automatic history, so past years use today's balance carried backward. To record a combined loans total that actually applied in a past year, tap Loan history on an open wealth file, enter the Year (financial year ending 31 July) and the Loans total ($), then tap Save year. Tap Remove beside a year to go back to using today's balance. In the Combined view this screen is read-only, so switch to one person's profile to add or remove years.

The Loan history screen with a year and a loans total field, a Save year button and a list of recorded years.Loan historyYear and loans totalSave year buttonRecorded years

22. Sharing a summary with an AI assistant

Tap the ••• menu on an open wealth file, then Share summary with an AI. The app builds a plain-text snapshot of the file (your notes are not included) and opens your phone's share sheet. From there you can copy it or send it to an AI assistant app such as Claude or ChatGPT. Once you share it, the other app's own terms and privacy policy apply, so only share what you are comfortable sharing.

23. Changing your name

To fix a typo or update the name on your account, go to Settings, then Account, then Change name. Enter your name and tap Save name. Your email address stays the same.

24. Getting more help

If anything in the app doesn't match this guide, or you run into a problem, tap Contact Us in Settings to send us a message, or email info@vergetec.au. If your access was set up by a Verge Technologies account administrator, they can help too.