Wortly vs BondVault

Take full control of your financial life — without handing your bank password to anyone. Wortly is a privacy-first net worth and budget tracker designed for people who want clarity, not complexity. You enter your numbers manually each month, and Wortly does the math: net worth, savings rate, investment rate, passive cash flow, and a prediction of when you'll reach your goals. NO BANK LINKING. NO ACCOUNTS. NO ADS. Your data lives only on your device and (optionally) in your own iCloud. We never see it. ------------------------------ WHAT YOU TRACK ------------------------------ • Cash flow: income, expenses, and investments — split by periodical and one-time • Assets: savings, real estate, stocks, crypto — in any currency • Liabilities: mortgages, loans, credit cards • Net worth across multiple currencies with live FX rates ------------------------------ WHAT YOU SEE ------------------------------ • Dashboard Panel 1: Your net worth today, change vs last month, trend chart, savings rate streak • Dashboard Panel 2: 8 key metrics, assets bar chart with trendline, cash flow chart with moving average • Cash Flow tab: Full income/expense/investment breakdown, tag-based subtotals • Net Worth tab: All assets and liabilities with multi-currency conversion • Goals tab: Progress bars, 24-month projections based on linear regression of your actual history ------------------------------ PREMIUM FEATURES (14-day free trial) ------------------------------ • Dashboard Panel 2 with advanced charts and KPIs • Tags and tag-based subtotals for detailed budget analysis • Multi-currency support with live FX and crypto rates (BTC, ETH, SOL) • Financial goals with AI-powered projections • Home screen and lock screen widgets • iCloud sync across your devices • PDF, CSV, and JSON export Free features: Full Dashboard Panel 1, unlimited cash flow and net worth entries, all historical data. ------------------------------ DESIGNED FOR FINANCIAL INDEPENDENCE SEEKERS ------------------------------ Wortly tracks the metrics that matter on the path to FIRE: savings rate, passive cash flow vs expenses, asset growth rate, months until goal. Every month you update your data, you get a cleaner picture of your trajectory. ------------------------------ PRIVACY BY DESIGN ------------------------------ • All data stored locally using Apple's SwiftData framework • iCloud sync uses your personal iCloud — we cannot access it • No analytics SDKs, no crash reporters phoning home, no advertising identifiers • Full data export and delete at any time ------------------------------ SUBSCRIPTION DETAILS ------------------------------ Wortly Premium is available as: • Monthly: $4.99/month • Annual: $34.99/year (save 42%) 14-day free trial included. Cancel anytime in Settings → Apple ID → Subscriptions. Payment charged to your Apple ID account. Subscription automatically renews unless cancelled at least 24 hours before the end of the current period. Privacy Policy: https://petrhomolka.com/wortly-privacy Terms of Service: https://petrhomolka.com/wortly-terms

BondVault is a simple, on-device tracker for U.S. Treasury I Bonds and EE Bonds bought through TreasuryDirect. TreasuryDirect has no mobile app and is hard to use on a phone. BondVault gives you a clean portfolio view of the savings bonds you already own. Enter each bond once — series, amount, and issue date — and BondVault estimates what it's worth today, how much interest it has earned, and when it crosses key milestones. WHAT IT DOES • Estimates current redemption value using the official Treasury composite-rate formula for I Bonds and the fixed-rate method for EE Bonds • Shows accrued interest and your total portfolio value at a glance • Flags the 3-month interest penalty that applies before 5 years, and shows each bond's penalty-free date • Tracks the May and November rate-reset schedule and 30-year final maturity • Projects future value so you can plan ahead • Keeps your bond list on your device — no account or sign-up required BONDVAULT PREMIUM (optional one-time unlock) • Track unlimited bonds (free tracks up to 3) • Full future-value projections • Remove ads IMPORTANT: BondVault is an independent, unofficial tool. It is not affiliated with, endorsed by, or connected to the U.S. Department of the Treasury, TreasuryDirect, or any government agency. Values shown are estimates calculated from published rate data and may differ from official figures. Always confirm balances and redemption values at TreasuryDirect.gov. BondVault is free and supported by ads. Premium is a single purchase that unlocks everything forever — no subscription.