Most portfolio trackers stop at stocks and crypto, which leaves the largest position in many private balance sheets – property – stuck in a spreadsheet. Manalyx is a free real estate portfolio tracker built for owners and small landlords: market value, financing, rental yield and recurring utilities live next to your other asset classes, not separately.
You record address, type, area, year built and amenities, and update the market value yourself whenever you have a fresh estimate. A global setting controls whether each property contributes its full market value or its net value (minus debt) to your portfolio total.
For each property you attach a loan and Manalyx generates a standard amortisation schedule with remaining balance, interest-vs-principal split and projected payoff date. Special repayments feed directly into the projection so you see how an extra payment shortens the term.
For rented units you track cold rent, service charges, tenant-since date and a vacancy timeline that gives the gross-vs-net rent figure context. Recurring utilities and maintenance tasks live on the same asset page – not in a separate folder.
Real estate sits awkwardly between an investment and a household line item. Manalyx separates the two cleanly: the financing side carries loan, interest and amortisation; the asset side carries market value, equity build-up and net rental yield; the operating side carries utilities, maintenance tasks and one-off repairs. You see all three on the property page and a single net contribution feeds the global net-worth view.
Market value is the headline number a portal would print; net value is what is yours after the outstanding loan. Manalyx lets you choose which definition flows into your overall net worth — a global setting that is enforced consistently across charts, summaries and the dashboard so you cannot accidentally compare apples to pears between two views.
Standard annuity loans are easy; the moment you make a 5,000 EUR special repayment in May, most spreadsheets break. Manalyx recalculates the amortisation curve from the next instalment onward, keeps the historical curve for context, and shows how each special repayment shortens the term. The remaining balance is computed against actual elapsed time, not the theoretical schedule.
Operating cost is split into utilities (recurring), maintenance tasks (scheduled, e.g. heating service) and repairs (one-off). Tasks have due dates and reminders so an annual inspection does not slip; one-off repairs feed the property's TCO without polluting the recurring cost-per-month figure.
Gross/net yield, cash-on-cash, rent multiplier, and €/m² calculated automatically.
Amortization schedules with special repayments visualized. Track remaining debt over time.
Log heating, electricity, and water costs. Compare against German averages.
Model scenarios with inflation, rent increases, and vacancy rates.
Manage repairs and maintenance. Track costs per task and annual summaries.
Visualize rental gaps and occupancy history per property.
Gross yield, net yield, price-to-rent ratio, price per sqm, rent per sqm, and monthly cashflow — all calculated from your actual data. Compare properties side by side.
Record heating, water, and electricity consumption per property. Track renovation and maintenance expenses over time. Everything in one place for your annual utility statement.
Manalyx is a data aggregation and visualization tool. We do not provide financial advice, investment recommendations, or tax guidance.
