Comparison

Net Worth Tracker vs Cypher Pay

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Net Worth Tracker

This app helps you understand your financial picture by tracking your net worth and all your accounts in one place. Easily monitor savings, investments, property, and more with simple visualizations and data import options. Build financial confidence and peace of mind.

Highlights
  • Net worth and finance tracking
  • Track savings, investments, property
  • Manual account entry
  • Spreadsheet import (Excel, CSV, TXT)
  • Home and lock screen widgets
  • Multi-currency support
  • Cross-device sync
  • Bank-level security
Features
Read full description

Worth it is a manual net worth tracker for people who want to enter assets and debts by hand, without budgeting or linking bank accounts. Track savings, investments, property, loans, crypto and more in one place. Add accounts manually or import your spreadsheet instantly. Worth it helps you see your net worth, money balance and monthly progress at a glance. Whether you're starting fresh or replacing a spreadsheet, Worth it keeps personal finance simple, private and easy to follow. Key features: • Simple and powerful finance tracker and net worth calculator • Track all your finance and account balances • Keep your finances top of mind with home and lock screen widgets • Import your spreadsheet from Excel, CSV or TXT • Monitor your money, savings, loans, property and more • See insights and trends with clear visualizations • Works in any currency (EUR, GBP, USD, …) • Syncs across all your devices • Export your data anytime • No ads. No login. Just a focused money and finance tracker Track all your assets: • Real estate (home, apartment, land, …) • Bank accounts (Revolut finance, Bank of America, HSBC, Chase, N26, Tracker, …) • Investment brokers (Robinhood, Charles Schwab, IBKR, …) • Crypto wallets and exchanges (Binance, Coinbase, Kraken, …) • Private equity, collectibles, crowdfunding, and more Bank-level security: • Encryption and protection used by top banks • 2FA, fingerprint, and PIN support • No banking credentials ever stored Your data is always backed up and secure. Use a finance tracker and money management app that puts your privacy and simplicity first. Start tracking your money, understanding your finances and growing your net worth with Worth it. --------------------- Terms & conditions: https://getworthit.com/terms-of-service Privacy policy: https://getworthit.com/privacy-policy

About

Cypher Pay

Features
Read full description

Cypher Pay gives Cypherwave business customers secure, on-the-go visibility into their accounts. Sign in with your existing Cypher Pay credentials to view your business activity anytime, anywhere. The app is a companion to the Cypher Pay web platform — accounts are opened and managed through the web portal, while the app keeps you informed wherever you are. VIEW YOUR ACCOUNTS See your business accounts at a glance, with balances and account details always up to date. TRACK EVERY TRANSACTION Browse your full transaction history with clear credit and debit entries, amounts, dates, references, and counterparty details. STAY ON TOP OF TOTALS Instant summaries of total credits and debits help you understand money in and money out without opening a spreadsheet. YOUR CLIENTS IN ONE PLACE View your client list and the transaction activity associated with each client. BUILT FOR SECURITY Access is available only to verified business customers. All accounts are opened and verified through the Cypher Pay web portal before app access is granted. Note: Cypher Pay is available to existing Cypherwave Technologies Limited business customers. New accounts cannot be created in the app.

Screenshots

Net Worth Tracker4 screens
Cypher Pay4 screens

Verdict

The call

The clearest difference is in-app purchases: Cypher Pay at none against Net Worth Tracker's 5. Cypher Pay also leads on update cadence (every 4 days vs fortnightly). On price, ads, device support and iOS requirement there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Net Worth Tracker sells 4 in-app purchases, starting at $4.99 per month. Cypher Pay asks for nothing beyond the download.

UpkeepUpdate frequency

Net Worth Tracker ships an update fortnightly, Cypher Pay every 4 days. The most recent releases landed on October 24, 2026 and October 10, 2026 respectively.

Scorecard2 real differences · 8 level
Net Worth Tracker versus Cypher Pay: the parameters behind the verdict, then further details
ParameterNet Worth TrackerCypher Pay
PriceFreeFree
Rating4.6 (19 ratings) — better—
Positive reviews93.3% of reviews—
Number of ratings19 — better—
Update frequencyFortnightlyEvery 4 days — better
AdsNoNo
In-app purchasesYesNo — better
MonetizationFree with in-app purchases—
DevicesiPhone, iPad, iPod, Mac — betteriPhone, iPad, iPod
Requires iOS15.015
Further details — not scored
Size59 MB61 MB
Age rating4+4+
DeveloperMaxime MazzoneC4D TECHNOLOGY LIMITED

Bugs and requests

Net Worth Tracker

Reported bugs

7 issues
  • Creating new accounts is paid now?
  • Membership premium once paid not unlock benefits
  • Hard to type the numbers because of the decimal formatting
  • Keyboard is the only thing visible in the screen and the update pop up is somehow hidden by it
  • Cannot enter the app, the sign in process for apple doesnt work, and ALL the data is lost
Show 2 more
  • New app update doesn’t let you update values to your categories
  • Rate in the App Store button not working for iOS 14.3 on IPhone XR

Requested features

11 requests
  • Family net worth tracking
  • Pension projections
  • Set goals and progress chart
  • More sophisticated features
  • More complex graphs showing stacked breakdowns
Show 6 more
  • Option to port data to a spreadsheet
  • Ability to export data from the app
  • Indicate different types of dollars in current display
  • Option to export data as a spreadsheet
  • More detailed graph with dates
  • UI improvements

Cypher Pay

Not enough reviews yet to summarise bugs or requests.

In-app purchases

4 purchases

Net Worth Tracker

Subscriptions3
  • Monthly Premium$4.991 Month
  • Yearly Premium7 Days trial$24.991 Year
  • Worth it Membership2 variants$44.991 Year
One-time1
  • Worth it Membership$59.99
None

Cypher Pay

No in-app purchases

Questions

Is Net Worth Tracker free?
Net Worth Tracker is free to download, with in-app purchases available.
Is Cypher Pay free?
Cypher Pay is free to download, with no in-app purchases.
Do Net Worth Tracker or Cypher Pay have ads?
Neither Net Worth Tracker nor Cypher Pay shows ads.
Which is updated more often, Net Worth Tracker or Cypher Pay?
Net Worth Tracker ships an update fortnightly, and Cypher Pay every 4 days. Most recently, Net Worth Tracker was updated on October 24, 2026 and Cypher Pay on October 10, 2026.

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