Spent vs WorthSync

Forget about apps that feel like an endless spreadsheet. Spent helps you manage your expenses and savings in a simple and personal way. - Create custom wallets - Choose how you paid for each expense - Download summaries of your transactions - All without connecting your bank or overcomplicating things Spent won’t tell you what to spend on, but it will help you stick to your budget, and with that, you already have the power to improve your finances. Privacy Policy: https://ripwallet.co/spent/en/privacidad/ Terms of Use: https://ripwallet.co/spent/en/terminos/

Know exactly what you're worth — without handing your bank password to anyone. WorthSync is a manual net worth tracker for people who want a clear, honest picture of their finances. You add your accounts, you enter the balances, and WorthSync builds the ledger, the charts, and the projections. No bank linking. No aggregator. No third party quietly reading your transactions. WHAT YOU CAN TRACK • Cash, checking and savings accounts • Investments, retirement and brokerage balances • Property, vehicles and other assets • Mortgages, loans, credit cards and every other liability • Custom categories you rename, add or delete — nothing is hardcoded YOUR NET WORTH OVER TIME Every balance you enter becomes a dated snapshot. WorthSync turns that history into a real trend line: month over month change, year over year growth, and a breakdown of exactly which accounts moved the number. Snapshots are dated by you, so a balance from the 3rd counts as the 3rd — the math normalizes to period boundaries so your growth figures stay accurate. FAST BALANCE ENTRY Update every account in one pass. WorthSync remembers what you entered last time, flags what's stale, and reminds you when it's time for a new snapshot. Entry works offline — your updates queue on device and sync when you're back. DEBT PAYOFF THAT ACTUALLY SIMULATES Compare snowball and avalanche side by side using a real rollover engine, not a rough estimate. See your payoff date, total interest, and what an extra monthly payment does to both. GOALS AND PROJECTIONS Set savings and net worth goals and watch progress track against them. Project your wealth forward from your own contribution rate and growth assumptions, including retirement outlook — built from your actual snapshot history rather than a generic calculator. SHARE WITH YOUR HOUSEHOLD Invite a partner or family member and see a combined net worth alongside your own. Every account carries its own visibility setting — private, shared read-only, or shared full access — so you decide exactly what the other person sees. Toggle between My Net Worth, Shared, and Combined at any time. BUILT PRIVATE • No bank credentials, ever — WorthSync never asks for one • Balances encrypted at rest at the field level • Local cache on your phone is encrypted and wiped on sign out • Export your full history to CSV whenever you want • Delete your account and your data goes with it WorthSync syncs with the web app at app.worthsync.com — enter a balance on your phone, see it on your laptop. Start tracking your net worth today. It takes about five minutes to add your accounts, and about sixty seconds a month after that.