One Portfolio - Net Worth

A mordern finance app focused on clarity over noise, combining assets, risk and daily insights to help users make smarter financial decisions.

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Inspiration

Managing personal wealth becomes exponentially harder once assets extend beyond a single bank account. Stocks, crypto, real estate, private investments, mortgages, and recurring obligations often live in separate tools or spreadsheets. This leads to blind spots: hidden concentration risk, forgotten liabilities, and poor decision making during market stress.

The inspiration for this project came from seeing how many financially literate people still lack a view of their entire net worth, and more importantly lack contextual insights about risk, concentration, and upcoming obligations. Existing tools either oversimplify or overwhelm. We wanted something calm, opinionated, and actionable.

What it does

This app provides a unified portfolio view across asset classes, paired with intelligent insights and reminders that help users understand risk, not just returns.

Key capabilities include:

  • Manual asset tracking across stocks, ETFs, crypto, real estate, commodities, cash, and private investments
  • Net worth and allocation snapshots computed dynamically from user data
  • Risk analysis highlighting concentration, liquidity, and geographic exposure
  • Upcoming payment tracking (e.g. mortgages, loans)
  • Daily questions and story-style insights designed to build long-term engagement
  • A demo mode that mirrors real usage while allowing safe exploration
  • A subscription model (via RevenueCat) that gates advanced analytics and insights

The goal is not to “trade faster,” but to think more clearly about wealth.

How I built it

The app was built as a mobile first product with a strong emphasis on UX, performance, and monetization realism.

Development was done using Replit as the primary environment, which allowed rapid iteration, secure secret management, and easy testing across demo and production modes. Demo users are seeded with realistic portfolio data so analytics and insights reflect real behavior without requiring onboarding friction.

Data flows are intentionally simple:

Portfolio analytics (allocations, risk drivers, scenarios) are computed dynamically from asset data No hardcoded demo results, everything reflects actual underlying values Demo mode and authenticated mode share the same computation paths to avoid divergence

Monetization was implemented early rather than as an afterthought, ensuring feature gating, entitlement handling, and upgrade flows were production-ready during the hackathon.

Challenges I ran into

Balancing realism with speed was the biggest challenge. Financial apps are judged harshly if numbers feel “fake,” yet hackathons reward fast execution. This required careful seed data design and shared computation logic between demo and real users.

Monetization clarity was another challenge. The app needed to clearly communicate value without aggressively blocking exploration. Solving this meant allowing meaningful insights in demo mode while reserving deeper risk analysis for Pro users.

Finally, designing insights that are helpful but not alarming, especially around risk, required thoughtful wording and UX restraint.

Accomplishments that we're proud of

  • Built a production feeling financial app in a hackathon timeframe, including real analytics logic rather than static mock data
  • Implemented a fully functional demo mode that mirrors real user behavior without compromising UX or insight quality
  • Designed and shipped a clear subscription model using RevenueCat, with meaningful feature differentiation instead of artificial paywalls
  • Created cross asset risk analysis (concentration, liquidity, geographic exposure) that is easy to understand for non-professional investors
  • Balanced polished UI with actionable insights, avoiding the common trap of overloading users with charts and jargon
  • Successfully integrated multiple financial data sources into a cohesive, unified portfolio view Delivered a product that is stable, performant, and extensible, not just a proof of concept

What we learned

Demo modes should behave like real products, not mockups Monetization works best when aligned with genuine moments Clear, opinionated UX beats feature overload in finance RevenueCat significantly simplifies subscription experimentation during rapid development

What's next for One Portfolio

  • Automatic account connections to financial institutions to reduce manual data entry
  • Smarter scenario modeling (e.g. rate changes, market drawdowns, income shocks)
  • Personalized risk thresholds and alerting based on user goals and time horizon
  • Deeper real estate analytics, including rental yield and mortgage sensitivity
  • Social and creator-driven “portfolio perspectives” delivered via story-style insights
  • Expanded daily questions to drive long-term engagement and financial reflection
  • Continued iteration on monetization to align pricing with perceived insight value

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