Portfolios by purchase model (3, 4 or 8 %), monthly rebates paid in fiat or crypto, live portfolio value and forecasts in seconds – on your phone, on your desktop, in the browser. GoldenRatio replaces the spreadsheet, for you and for advisors juggling dozens of portfolios.
Jürgen looks after clients with gold portfolios. For Monika, a long-standing older client, he built a spreadsheet that made her portfolio – purchase models and monthly rebates included – finally understandable. It worked so well that he passed it on through his network – and that network kept growing.
The catch: spreadsheets do not scale. You had to know your way around and sit at a PC to maintain a portfolio. In May 2025 the decision was made – over a bratwurst: this belongs in an app.
Almost a year later, GoldenRatio calculates portfolios, rebates and forecasts automatically – in the cloud, on every device, for the whole network.
“The spreadsheet worked – but you had to sit at a PC and know what you were doing. Today I tap it in on my phone and the forecast is there in seconds.”
The spreadsheet could do a lot – but it needed know-how, time and a PC.
With GoldenRatio GoldenRatio models portfolios the way they actually work: by purchase model, with monthly rebates – and a forecast that thinks along.
Every purchase with its model – 3, 4 or 8 % – and the monthly rebates, paid in fiat or crypto, flow into the portfolio automatically. Plus contracts, price difference and realised gains. Physical gold is tracked right alongside.
Wealth projection across up to nine years – with your own assumptions on gold price, savings rate and reinvestment. Compare scenarios such as standard, top-up or reinvestment in seconds.
Income and expenses by category and account, recurring items such as rent or subscriptions carried forward automatically, Excel import and tax-ready reports included.
For advisors and sales partners: map your referral network with status, commission rate and reinvestment quota – and see per period which commissions were actually realised.
The one thing the spreadsheet could never do: a forecast without building the formulas first. You set the assumptions, GoldenRatio projects portfolio, rebates and reinvestment across up to nine years – and puts the result next to what plain gold would have done.
Forecasts are model calculations based on your assumptions – not a guarantee of returns.
All data sits on a server in Frankfurt – GDPR-compliant and encrypted. There is deliberately no bank connection: you decide what gets recorded, manually or via Excel import. Synchronisation across phone, desktop and browser happens automatically.
That was exactly the spreadsheet’s problem. So the Academy explains every function step by step in short videos – from first sign-in through your first portfolio to the forecast.
Browse all tutorials
Every plan includes encrypted cloud storage and access on the web, iOS and Android. Cancel monthly.
To dip a toe in
For a budget book without limits
The full app – 66 cents a day
Cancel monthly · Billed via App Store, Google Play or Stripe · Refund requests within 14 days
Set up in two minutes: enter your purchases or import them from Excel – from then on portfolio, rebates and forecast calculate themselves.
No installation needed · Cancel monthly · For iOS, Android and the browser
