Networthy vs Worth

Track your net worth without a single bank login. Networthy is the offline, private way to log your assets, liabilities, and cash flow. No accounts. No cloud. No tracking. Your financial life stays on your phone — exactly where it belongs. WHY NETWORTHY - Pay once, own it forever — no subscription traps - Manual entry, fully on-device — your data never leaves your phone - No Plaid, no bank credentials, no third-party servers - No ads, no analytics, no tracking pixels - Face ID protected - Built by an indie developer who hates surveillance finance apps WHAT YOU CAN DO - Track every asset — cash, savings, investments, property, vehicles, crypto - Log every liability — loans, credit cards, mortgages - See your real net worth update instantly - Project your wealth 3 months, 6 months, 1 year, or 5 years ahead - Track recurring income and expenses - Visualize asset allocation with clean, beautiful charts - Spot trends with month-over-month change tracking - Export everything to CSV — your data, always yours PRIVACY-FIRST BY DESIGN Other finance apps want your bank login. Networthy doesn't. Your balances, your accounts, your debts — all stored locally on your device with iOS-level encryption. We can't see your data because it never leaves your phone. Optional encrypted iCloud backup is available if you want it. Off by default. You're in control. PERFECT FOR - People rebuilding after Mint shut down - FIRE community members tracking progress to financial independence - Privacy-conscious users who don't trust Monarch, Copilot, or Empower - Anyone who prefers manual tracking to bank syncing - Couples and families who want a simple shared net worth log THE FREE VERSION INCLUDES - 2 assets - 2 liabilities - 2 expenses - 2 income sources - 2 recurring expenses UPGRADE ONCE FOR LIFETIME PREMIUM - Unlimited assets and liabilities - Unlimited expense tracking - Unlimited recurring items - Lifetime access — pay once, never again Stop renting your finance app. Own it. Download Networthy and take back control of your net worth. — Questions? hello@wish2app.com Web: wish2app.com

Worth is a net worth tracker for people who would rather not hand over their bank logins. It does not connect to your bank. You update your balances when it suits you — weekly, monthly, whenever you happen to check — and Worth keeps the history, draws the trend, and tells you why the number moved. WHY MANUAL IS THE POINT An app that syncs with your bank can only see what a bank API exposes. The holdings that move a net worth the most are often the ones that aren't there: equity and options, private investments, property, loans, and accounts at institutions that were never supported in the first place. Worth holds all of it, because you enter it. Fifteen accounts take about two minutes a month to update — and those two minutes are the moment you actually look at your finances. That is most of the value. WHAT IT DOES • Net worth at a glance — assets, debts, and the current total, with amounts hidden behind a tap when you are not alone. • Attribution that does not guess. When your total changes, Worth asks what happened: money in, money out, investment gains, interest, a transfer, a correction. It never picks for you, because a wrong guess quietly rewrites your history and you would never notice. • A trend you can trust. Every update writes a dated snapshot. Exchange rates are frozen into each snapshot as they were on that day, so past points never move when today's rates change. • Read balances from a screenshot. Point Worth at a screenshot from your banking app and it reads the amount on-device, matches it to the right account by the last digits, and asks you to confirm. Nothing is uploaded. • Every kind of account. Bank, cash, wealth products, securities, crypto, provident fund, property, credit cards, loans — plus a custom type for whatever else you hold. • Multi-currency, handled properly. Rates update in the background from public sources, and you can override any rate by hand. If a rate is missing, Worth says so instead of quietly adding the numbers up as if they were the same currency. • Internal transfers do not fake growth. Move money between your own accounts and your net worth stays exactly where it was. • Batch update. Go through every stale account in one pass instead of opening them one at a time. • Reminders that are actually about you — accounts you have not touched in a while, and the repayment day on a card or a loan. • Face ID lock, plus a cover over the app when you switch away. • Backup and export. Encrypted backups to a folder you choose in iCloud Drive, and plain JSON or CSV whenever you want your data somewhere else. PRIVACY There is no account. There is no server. There is no third-party SDK, no analytics, and no advertising. Worth makes exactly one kind of network request: fetching public exchange rates. That request carries none of your data — no balances, no account names, no identifiers. Everything you enter stays in local storage on your device. Turn off the network and the app still works, using the last rates it saw. Full policy: https://worth.karowang.com/privacy FREE AND PRO Free covers up to five accounts, with the full home screen, trend, attribution, and screenshot reading. Worth Pro is a single one-time purchase — not a subscription — and lifts the account limit while unlocking batch update, encrypted backup, and reminders.