HOLDZO is the personal finance app for investors. Every account and every asset in one place, deposits never counted as gains, and every price labelled with how fresh it is.
A friend invited you. Your sign-up counts toward their 3 invitations.
Net worth
€184,210.40
+€18,432.10 · +11.12% this year
Prices 14:32 · 2 delayed
Press and hold the chart
+€412 this week. 62% came from your ETFs.
When you add money, your balance goes up. That is not performance. Take the 10-second test.
How much did you gain?
The €2,000 was your own money. HOLDZO keeps what you put in and what you earned apart, on every number and every chart.
Investments, budget, plans, news, AI and family, all running on the same numbers. Here is what HOLDZO does at launch.
Wealth
Stocks, ETFs, crypto, gold, property, savings and loans, from any broker and currency. Livret A, PEA and assurance-vie are understood, not just listed.
Plans
Set price levels and amounts in advance. HOLDZO watches every price and tells you when a level is reached, with your new average cost. You decide. HOLDZO never trades for you.
Money
Budgets that follow your payday, subscriptions found for you, and the money left at the end of the month sent straight to your plans and goals.
Pulse
Dividends, results dates, official filings and big moves, filtered to your holdings. Every item shows its source and time. No hype, no tips.
AI
The engine computes every number; the AI explains it in plain French or English and shows its sources. It never tells you what to buy. You can also connect your own ChatGPT or Claude.
Family
Each partner keeps their own login and chooses what to share. A flat you own together counts once. Children get goals and lessons you manage; teens 15+ get read-only access.
Community
Plan shapes and ideas shared in percentages, never amounts. "Holds this" is checked automatically. Seasons reward discipline, not luck. Adults only, moderated.
Budgeting apps stop at spending. Portfolio trackers stop at investments. HOLDZO connects the whole loop, so the number on one screen always matches the number on every other.
Stocks, crypto and property don't update at the same speed, so HOLDZO never pretends everything is "real-time". Each price carries its source and time. If one is missing, you see the last known price. Never €0.
HOLDZO records, calculates and notifies. It cannot trade or move money.
Your portfolio data stays in the Paris region, under GDPR.
Sign in with Face ID or fingerprint, plus an authenticator app if you want.
Hide every amount with one tap, on the train or at work.
Your plans and alerts are rules you write. HOLDZO shows the numbers.
Export or delete everything, any time, on every plan.
Planned launch prices, VAT included. Correct numbers, price labels, export and security are free on every plan.
€0forever
Track everything, the honest way.
Founding price €49/year
€59/year · or €5.99/month
For investors who budget and plan.
€99/year · or €11.99/month
Everything, with more AI and sync.
€149/year · or €15.99/month
Max for the whole household.
The first 1,000 people on the list get early access and the best terms we will ever offer.
548 of 1,000 spots taken
Invites go out in waves before the public launch. Founders go first.
From your first day in the app. No card needed.
When 3 friends join with your link and open their account at launch.
Holdzo+ at the founding price instead of €59, as long as you stay.
A personal finance app for investors. It brings together what you own and owe, your budget, your plans and your family, with numbers you can check to the cent. Deposits never count as gains, and every price shows how fresh it is.
We're building it now and will launch when it's ready. Founding members get invites first, in waves, and everyone on the list hears before the public.
Yes. The free plan has no time limit. Holdzo+, Max and Family add more. Correct numbers, export, security and deletion are free on every plan.
At launch you import your broker and bank files, add trades in seconds, and connect crypto exchanges read-only. Automatic bank and broker sync comes after launch on Max and Family. HOLDZO never asks for your bank password.
No. It records, calculates and notifies. It can't buy, sell, transfer or withdraw anything.
No. HOLDZO is an information tool. Your plans, targets and alerts are rules you write. The AI explains your own numbers and never tells you what to buy or sell.
Yes. Holdzo Family covers 2 adults with their own logins and up to 4 children, with goals and lessons for kids. Teens 15+ can have their own read-only access.
The app is hosted in the EU, in the Paris region, under GDPR. Your waitlist email is collected by our form provider, Formspree, and used only for launch news and your founding perks.
HOLDZO launches in France, in French and English. More languages will follow.
Join the waitlist. Founding spots are limited to 1,000.
