You own property in Dubai, crypto on Binance, stocks through a broker, gold in a safe, and cash across three banks. No single app sees all of it. Until now.
The term "wealth tracker" means something different in the UAE than it does in the US or Europe. In those markets, wealth tracking usually means linking a bank account and watching a balance go up or down. In the UAE, your wealth is spread across asset classes that rarely talk to each other: a villa in JVC, Bitcoin on Binance, Apple stock through Interactive Brokers, a gold bar in an DMCC vault, and savings in AED and USD across multiple banks.
A real wealth tracker for UAE residents needs to consolidate all of that into one number, displayed in AED, updated in real time. Most apps on the market cannot do this. This article explains why, what to look for, and which apps actually work.
The UAE has one of the most diversified investor populations in the world. According to Henley & Partners, Dubai is the number one destination for millionaire migration globally. These investors do not hold simple portfolios.
A typical UAE resident's wealth includes:
The core problem: there is no bank in the UAE that sees all of this. Emirates NBD does not know about your Binance wallet. Your broker does not know about your property. Your crypto exchange does not know about your gold. The only way to see your true net worth is with a wealth tracker that pulls everything together.
Not every portfolio app qualifies as a wealth tracker. A stock tracker only tracks stocks. A crypto tracker only tracks crypto. A true wealth tracker must handle every asset class you own and present a single consolidated view. Here is what separates a good one from a mediocre one:
If your rent is in dirhams, your salary is in dirhams, and your lifestyle costs are in dirhams, your net worth should be displayed in dirhams. The best wealth trackers let you set AED as the primary currency and convert every holding — whether it is Bitcoin priced in USD or gold priced in troy ounces — into AED using live exchange rates.
A wealth tracker that cannot handle real estate is not a wealth tracker. It is a stock app. In the UAE, property is often the largest single holding in someone's portfolio. The app must support manual entry for assets like property and physical gold, alongside automatic price feeds for crypto, stocks, and ETFs.
Manually entering every crypto trade is not realistic. A good wealth tracker connects to exchanges like Binance, Coinbase, and Kraken, and reads wallet addresses for on-chain assets. This keeps your crypto holdings up to date without manual work.
A wealth tracker sees your entire financial picture. It should use bank-grade encryption, biometric authentication (Face ID or fingerprint), and a PIN lock. Critically, it should be read-only — the app should never have the ability to move your money, only to view balances.
Numbers without context are just numbers. The next generation of wealth trackers includes an AI advisor that can answer plain-language questions about your portfolio: "Am I overexposed to crypto?", "How has my net worth changed this quarter?", or "What percentage of my wealth is in real estate?" This turns raw data into actionable insight.
| App | AED | Property | Crypto | Gold | AI | UAE-Built |
|---|---|---|---|---|---|---|
| Cedrus | Yes | Yes | Yes | Yes | Yes | Yes |
| Kubera | Yes | Yes | Yes | Yes | No | No |
| Delta | Yes | No | Yes | No | No | No |
| Empower | No | No | Yes | No | No | No |
| CoinStats | Yes | No | Yes | No | No | No |
| Spreadsheet | Yes | Yes | Manual | Manual | No | N/A |
The spreadsheet problem. Many UAE investors still track their wealth in Google Sheets. It works, but it does not update prices, it breaks when formulas get complex, and it cannot answer questions about your portfolio. A dedicated wealth tracker automates what a spreadsheet forces you to do manually.
Cedrus was built in Dubai, for Dubai. It was created by a founder who faced the same problem every UAE investor has: multiple asset classes, multiple currencies, and no single app that could show the full picture in AED.
What makes Cedrus different from global alternatives:
Tracking your wealth is not just about knowing a number. It changes how you make decisions.
Before a wealth tracker: you check your property value on Bayut, your crypto on Binance, your stocks on your broker app, and your savings on your bank app. You add them up in your head or a spreadsheet. You probably forget about the gold. You have a vague sense of your net worth but no real clarity on allocation or trends.
After a wealth tracker: you open one app and immediately see that your net worth is AED 1.4M, up 3.2% this month. You see that 42% is in real estate, 28% in crypto, 18% in stocks, 8% in gold, and 4% in savings. You ask Cedar AI whether your crypto allocation is too high given your risk profile, and it gives you a specific, data-backed answer. You make decisions with full context instead of fragments.
UAE investors who use a wealth tracker report making more confident allocation decisions because they can see the full picture for the first time. The gap is not information — every asset has a price somewhere. The gap is consolidation.
A wealth tracker is most valuable if you match any of these profiles:
If your wealth lives in more than two places, you need a tracker. If it lives in more than four, you need one urgently.
Setup takes under 10 minutes. Most users see their complete net worth consolidated for the first time in a single session.
Join UAE and GCC investors using Cedrus to track crypto, stocks, real estate, gold, and savings — all in one app.
Download on App StoreStarter plan is free forever. Pro from AED 22/month.