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Iron Wealth vs spreadsheets
Spreadsheets are flexible and free until formulas break, rates go stale, and your “one number” becomes a weekend project. Google Sheets and Excel are excellent for custom models. They are a poor daily driver for net worth when you also need budgets, goals, and a phone-sized picture. Iron Wealth keeps that picture on iOS and Android without rebuilding the workbook every month.
Side by side
| Feature | Iron Wealth | Spreadsheets |
|---|---|---|
| Net worth rollup | Accounts + liabilities in one live figure | Manual balances and SUM formulas |
| Multi-currency | 150+ currencies with rate conversion | DIY rate tables that age quickly |
| Budgets & goals | Built-in pace tracking and milestones | Custom tabs you have to maintain |
| Privacy | Data stays on your device | Cloud sheet sharing risks |
| Mobile experience | Designed for iPhone, iPad, and Android | Desktop-first editing on a small screen |
Stop rebuilding the same model
Most personal net worth sheets share the same failure mode: a SUM of balances that nobody updated, an FX rate from last quarter, and a liability tab that drifted. Iron Wealth gives you a live rollup of accounts and liabilities, budgets that track with spending, and savings goals, without syncing rates and categories by hand every week.
Built for the phone you already use
A desktop workbook is awkward on a commute. Check your worth, log activity, and stay on pace from iPhone, iPad, or Android. Optional Finance AI insights and Pro planning tools stay in the same private app. You can still export CSV or JSON if you want a sheet for a one-off model.
When a spreadsheet is still the right tool
Keep a sheet for employer equity waterfalls, rental property depreciation, or a thesis you want to version in Git. Iron Wealth is the daily number and the plan. It is not trying to replace every tab you have ever loved. It replaces the fragile “one number” that you dread opening on Sunday night.
Privacy compared to a shared Drive file
A Google Sheet shared with a partner, an accountant, or “anyone with the link” is a cloud ledger. Iron Wealth stores app data on your device by default, with optional biometric lock and password-protected exports. That is a different threat model than a convenience spreadsheet.
Questions
- Can I replace Excel entirely with Iron Wealth?
- For daily net worth, budgets, and goals, yes. Keep Excel or Sheets for custom models, then export from Iron Wealth when you need a raw table.
- Does Iron Wealth import from a spreadsheet?
- You can import data and export CSV or JSON. You do not have to recreate every historical row to start tracking going forward.
- Is the app free if I am leaving a spreadsheet?
- The core is free with 3 accounts. Pro unlocks unlimited accounts and planning tools. iOS and Android are both public.
Start free on iOS and Android. Import what you need, unlock Pro for long-range planning when you’re ready, and leave the fragile formulas behind.
Comparison for general information as of July 2026, based on publicly available product positioning. Competitor names are trademarks of their owners; Iron Wealth is not affiliated with them. Features and pricing change; verify on official sites. Not financial advice.
