CustomWorth vs Sedge

The private net worth tracker. No login. No bank connection. No cloud. No tracking, ever. CustomWorth is the offline-first net worth app for people who want financial clarity without surrendering their privacy. Manual control. Beautiful charts. One screen, one truth. WHAT IS CUSTOMWORTH? Think of it as stepping on a scale for your finances. Not a budget. Not a bank feed. Just one clear number, your net worth, and whether it's moving in the right direction. Add your assets and liabilities manually, capture monthly snapshots, and watch your wealth trend through beautiful charts. That's it. WHY CUSTOMWORTH? 100% Private Every dollar stays on your device. No account required. No analytics on your numbers. No tracking. What you earn, own, or owe is yours alone. Beautifully Simple One screen shows what matters: your net worth and the trend behind it. No clutter. No upsells in your face. No notifications you didn't ask for. Fully Offline No internet required. Works in airplane mode. Your financial data never touches a server, ever. Own Your Data Backup, restore, and migrate freely. JSON exports you control. No vendor lock-in. No subscription required to keep your data. KEY FEATURES • Net Worth Dashboard: Current total, change since last snapshot, quick inline updates per account. • Asset & Liability Tracking: Cash, checking, savings, investments, retirement, crypto, property, vehicles, business, collectibles, plus credit cards, student loans, mortgage, auto loans, medical debt, and BNPL. • Immutable Snapshots: Historical records of your exact financial position. Never editable, always accurate, fully auditable. • Trend Charts: Net worth over 1M, 3M, 6M, 1Y, or all-time. Category donut breakdown. Assets versus liabilities bar comparison. • Goal Tracking: Set a target net worth, with an optional target date, and watch your progress fill up. • Time Capsules: Write a sealed letter to your future self, unlocked when you hit a net worth milestone. Share letters with others too. • Document Vault: Store financial documents such as statements, deeds, and tax returns with AES-256 encryption, on-device only. • Multi-Currency Support: Track foreign currency accounts with custom exchange rates. Supports 30+ currencies. • Learning Tab: 27 built-in articles on personal finance, net worth, FIRE, debt payoff, and long-term wealth building. • Backup & Restore: Export your data as JSON. Import on a new device anytime. PDF and CSV exports available for taxes or personal records. • Smart Reminders: Optional monthly or quarterly nudges so you stay consistent without nagging. • Dark Mode: Follow System, Light, or Dark. Refined for late-night check-ins. • 5 Languages: English, Mandarin, Hindi, Spanish, and French. WHO IT'S FOR CustomWorth is built for people who: • Value financial privacy above convenience • Are pursuing FIRE or long-term financial independence • Are tired of handing Mint, YNAB, Copilot, or Rocket Money their bank credentials • Want a simple progress tracker, not another budgeting system • Prefer manual control over automated syncing • Have walked away from net worth apps that got acquired, shut down, or pivoted to ads WHAT IT IS NOT • Not a budgeting app • Not a financial advisor • Not connected to your bank • Not collecting your data • Not training an AI on your numbers 100% FREE OUR PRIVACY GUARANTEE Your financial data never leaves your device. No servers. No accounts. No third-party analytics on your balances. The only backup is the one you make. Anonymous crash reports help us fix bugs, and nothing else. Download CustomWorth and start measuring your financial progress privately, simply, and on your own terms.

Your whole net worth, in every currency you hold — without handing your financial life to anyone. Sedge is a net-worth and spending tracker built for Europe. Add accounts by hand, import a statement, and see one honest number across EUR, GBP, CHF and more. ON YOUR DEVICE, NOT OURS There is no account to create and no server to trust. Everything you enter stays in encrypted storage on your iPhone, unreadable while it's locked. We have no ability to see your balances, because they never reach us. No analytics, no advertising, no third-party SDKs of any kind. MULTI-CURRENCY THAT ACTUALLY WORKS Hold accounts in euro, sterling, francs, krona, zloty and more. Sedge converts everything at the European Central Bank's daily reference rates — the same rates your bank quotes against — so your net worth is right, not roughly right. Rates are cached, so the number is still correct offline. IMPORT A STATEMENT IN SECONDS Bring in CSV exports or PDF statements from EU banks. Sedge reads the file on your device, maps the columns itself, and checks that the transactions add up to the closing balance before importing a single row. If the numbers don't reconcile, it says so instead of guessing. Import the same file twice and nothing is duplicated. CATEGORIES WITHOUT THE BUSYWORK Merchants are categorised offline using simple rules — no AI, no cloud, no waiting. Anything Sedge isn't sure about goes to a review card, so you stay in control of what counts as what. SEARCH AND FILTER YOUR HISTORY Find any transaction by name, account or category. Days are grouped and totalled, so you can see what a Tuesday actually cost you. LOCK IT DOWN Require Face ID, Touch ID or your passcode before your balances appear. TAKE YOUR DATA WITH YOU Export everything as CSV for a spreadsheet, or as a full JSON backup, whenever you like. It's your data, so you can always leave with it. SPEAKS YOUR LANGUAGE English, German, French, Spanish, Italian, Dutch, Polish and Portuguese — with amounts and dates in your local format. Change language in Settings without leaving the app. READ-ONLY, ALWAYS Sedge can never move your money. It has no payment capability of any kind, by design. Free. No subscription, no ads, no tracking, no analytics.