The number that actually counts
A current account balance says little. Net worth says more: accounts, savings, investments, the car and the house on one side; the mortgage and the rest of the debt on the other. Navefi records that number once a day, so there is a line and not only a moment.
Seven asset classes, six debt types
Property, vehicles, investments, cash, collectibles, companies and other. On the other side, mortgage, car loan, student loan, credit card, personal loan and other.
The house tracked by the INE index
Enter a value you know — the purchase price or a bank appraisal — and the date it refers to. Navefi tracks it with the monthly INE bank-appraisal index for your município. It does not guess a value from property features: the anchor value is yours, and what Navefi adds is the change. With no anchor, it shows no estimate at all.
One snapshot a day, correctable
Every night total assets, total liabilities and net worth are recorded and kept for two years. If an old mistake spoils the line, the correction is logged and can be undone.
The Banco de Portugal credit report, imported
The Mapa de Responsabilidades de Crédito is a PDF anyone can request. Navefi reads it inside your browser — the file is never uploaded — and proposes one debt per line, with the lender, balance, instalment and term. "Potencial" lines, which are credit limits rather than debt, are left out. "Vencido" lines are flagged.
A loan schedule, and the true cost
Given the rate, the term and the start date, Navefi builds the amortisation schedule month by month — principal and interest — and simulates paying more each month or repaying a lump sum. Insurance, arrangement fees and stamp duty go into the total cost.
A loan tied to what it financed
The mortgage next to the house gives the number that matters: property value minus outstanding balance. On a shared house or loan the split can be 70/30; with no percentages set, it splits equally.
€128,400
20% paid off · €160,000 original
Monthly payment
Equity
Mortgage terms
- Rate type
- Variable
- Euribor 6M
- 2.3%
- Spread
- 1.1%
- Effective rate
- 3.4%
As of 2026-06-30
The car registration month and last year’s IMI amount feed the tax calendar: IUC falls due in the registration month, and IMI splits into one, two or three instalments depending on the amount. Navefi never invents an IMI figure, because it holds neither the VPT nor the municipal rate.
Frequently asked questions
How is my house value calculated?
From the value you enter and its date, multiplied by the change in the INE index for the município between that date and today. It is a statistical estimate, not an appraisal. When INE suppresses a month for a município, Navefi falls back to the NUTS III region and then to Portugal.
Is my Banco de Portugal credit report uploaded to the server?
The PDF is not. It is read in your browser, and only the lines you confirm reach your account.
Can I record assets that no bank knows about?
Yes. A car, gold, a collection, a stake in a company. The value is yours and you update it by hand — only property with an anchor is tracked automatically.
How often is it updated?
The net-worth snapshot is written once a day. The INE index is fetched once a month, on the 2nd, because that is the cadence INE publishes at.
The fastest way to understand it is to use it
Start free, or book twenty minutes with us and we show this with your bank and your kind of income.
