WorthFlow: Assets & Net Worth

Your money is spread across cards, an exchange, a broker and cash in different currencies — and the total only exists in your head. WorthFlow brings it all into one balance in your currency and shows how it changes over time. Add accounts, cash, stocks, crypto, a deposit, an apartment, a loan you took or money you lent to family. WorthFlow converts everything at real rates and shows what you actually have — today, and on any day in the past. WHAT YOU SEE • How much you have right now, across every account and currency • How your net worth changed this month: what you paid in and what you earned • What your money is sitting in: banks, cash, crypto, stocks, property • What you owe, kept separate from what you own • Your savings rate: the share of income you did not spend, from your bank statements NEW: TOGETHER — SHARED EXPENSES A trip, a shared flat, dinner with friends: who paid what and who owes whom. • Groups you invite to with a link; guests without the app • Split equally, by amounts, by shares or by percent • Who owes whom — the fewest transfers to settle everything • Recurring expenses, weekly or monthly • From a card: split a payment from a connected bank's statement; rules for shops and a trip mode; Monobank can suggest splitting right after you pay • What others owe you, or you owe them, shows up in your net worth as a settle-up record • Export a group as CSV Together needs Sign in with Apple. Your net worth never goes to the server. HISTORY THAT DOES NOT DRIFT WorthFlow takes a snapshot of your portfolio every month and keeps it. Charts show what was actually true on those days, not the past recalculated at today's rates. CURRENCIES AND CRYPTO Rates come from the European Central Bank, with a second source covering the currencies the ECB does not publish, and crypto prices from CoinGecko. Rates work offline, and every figure shows where its rate came from and when. You can always enter a rate by hand. OPTIONAL CONNECTIONS • Monobank — personal token, accounts and statement history • PrivatBank — accounts for sole traders and companies • Binance — read-only API key, spot balances, deposits and withdrawals • Freedom24 — broker positions and cash flows, or an imported broker report • Revolut — imported CSV or XLSX statement Connections are read-only: WorthFlow cannot move money, never initiates payments or trades, and never asks for your banking password. Your token stays in the Keychain on that one device. The app is complete without a single connection — every amount can be entered by hand. YOUR FINANCES ARE YOURS Tracking your net worth needs no sign-up. No ads, no analytics, no tracking. Accounts, amounts and statements stay on your device and, if you turn syncing on, in your own private iCloud — the developer cannot see them. The server exists only for Together and holds only shared groups. Amounts hide behind Face ID. Privacy policy: https://notalamad.github.io/worthflow-site/privacy.html ALSO • Categories and tags you define • Transfers between your own accounts, with fees and cross rates — they count as neither income nor spending • Update every account in one pass • Export to JSON or CSV, and import it back • English, Ukrainian, Russian and Bulgarian, switchable inside the app • iPhone, iPad and Mac WorthFlow is not a bank, a broker, or a source of investment advice. Exchange rates and prices are shown for information only.