BalancePilot vs Net Worth Tracker

BalancePilot is a manual debt payoff planner that helps you decide what to pay next, organize upcoming payments, and build a realistic plan around the money you have available. See scheduled payments, protected cash, upcoming minimums, funding shortfalls, and extra-payoff opportunities in one clear Payday Plan. No bank connection is required. BalancePilot does not move money or make payments. You stay in control by entering and updating the information you want the app to use. BUILD YOUR DEBT PAYOFF PLAN Track credit cards, auto loans, student loans, medical bills, personal loans, and other debts in one place. • Track balances, APRs, minimum payments, due dates, and statement dates • Monitor credit utilization • Record completed payments • Plan one-time and recurring payments • Track deferred-interest promotions • View account progress and insights PLAN AROUND YOUR PAYDAY Build a plan based on available cash and upcoming obligations. • Protect your safety buffer and other cash commitments • See scheduled payments directly in your Payday Plan • Identify minimums due before your next payday • See how much of each cash protection is funded • View any remaining cash-protection shortfall • See what is available for extra payoff • Keep Available, Protected, Free to Plan, and Shortfall totals consistent across the app Scheduled payments can still count toward minimum coverage when cash reservation is off. KNOW WHAT NEEDS ATTENTION BalancePilot reviews the information you enter to help surface obligations that may need attention first. • Due and past-due payment alerts • Payday-aware payment planning • Planned Payment and AutoPay tracking • Minimum-payment coverage • Credit utilization guidance • Credit Score Focus planning • Upcoming payment timeline and reminders COMPARE PAYOFF STRATEGIES Explore payoff approaches and see how each may affect your projected debt-free date and estimated interest. • Debt Avalanche • Debt Snowball • Smart Hybrid • Accelerated Payoff • Credit Score Focus • Custom payoff ordering • Projected payoff timeline PREVIEW PURCHASES AND NEW LOANS Explore how a new purchase or loan could affect your current payoff plan before committing. • Preview the impact of a new purchase • Estimate a monthly loan payment • Compare multiple loan offers • Review changes to your payoff timeline • Save planned loans before adding them as active debt • Scan eligible loan documents to help fill in details IMPORT AND ORGANIZE STATEMENTS For supported U.S. statements, BalancePilot can help extract account information from eligible PDF statements. Imported details may include: • Current balance • Minimum payment • Due date • Statement close date • Credit limit • Promotional balances and expiration details Always verify imported information against the original statement before saving. STAY ORGANIZED • Payment calendar and upcoming timeline • Needs Attention alerts • Payoff progress charts • Payment history • Deferred-interest promotion tracking • Exportable payoff summaries BALANCEPILOT PRO Upgrade to BalancePilot Pro to unlock: • Statement PDF Analyzer • Loan Impact Preview • Compare Loan Offers • Planned Loans • Export Payoff Summary • Additional planning insights IMPORTANT INFORMATION BalancePilot is an educational planning tool. It does not connect to your bank, make payments, negotiate with lenders, or provide financial, legal, tax, credit, or investment advice. Projections and recommendations are estimates based on the information you enter and may not reflect actual lender calculations, interest charges, payment processing, promotional terms, or credit-score changes. Always confirm balances, payment amounts, due dates, interest rates, promotional terms, and payoff information with your lenders. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Built by an investment banker for the privacy-conscious investor. NetWorth is a high-performance manual wealth tracker that puts you back in control. No bank connections, no data scraping, and no middle-men. Just a professional-grade dashboard to manage your global assets, model your financial independence, and track your true net worth in total privacy. Why NetWorth? In an era of data breaches and "free" apps that sell your financial habits, NetWorth takes a different path. We believe your wealth is your business. By using manual entry, you can track complex assets—private equity, offshore accounts, real estate, and physical holdings—that automated apps cannot see. Most apps treat net worth like a social media feed. We treat it like a Balance Sheet. Experience the clarity of professional asset allocation without compromising your data security. Zero Connections. Total Privacy. Absolute Clarity. Key Features: * Complete Net Worth Command Centre
 - Track every corner of your balance sheet in one place — equities, ETFs, crypto, real estate, pension, bonds, vehicles, collectibles, liabilities and many more. One unified view of everything you own and owe. * Bulk Update in Under 60 Seconds - 
Designed for the monthly portfolio ritual. Update every asset across all brokers and banks in one session. Pro feature. * Live Market Prices
 - Connect stocks, ETFs and crypto to live market data. Position values update automatically using real prices — no manual entry required. Pro feature. * Real Estate & Mortgage Equity
 - Link mortgages directly to properties to see your true equity in real time. Factor in selling costs for an honest liquidation value, and track rental yield alongside property growth. * FIRE & Wealth Planning
 - Model your path to financial independence. FI/RE and Coast FIRE calculators, compound growth projections with inflation and TER drag, and UK tax-wrapper simulations (ISA, SIPP, GIA). * Multi-Currency, Global Portfolio 
- Track assets in 30+ currencies with live FX rates. Everything converts automatically to your chosen base currency — no spreadsheet required. * ETF Portfolio Analyser
 - Build and analyse your ETF portfolio with asset class breakdown, TER tracking, replication type and distribution type. Live valuations optional. Pro feature. * Privacy First, Always
 - Your data never touches our servers. Local storage on device, optional iCloud sync, Face ID / Touch ID lock, and one-tap privacy mode to blur all balances in public. * Portfolio Intelligence with Apple Intelligence
 - Automatic audit log separates market gains from your own contributions. Apple Intelligence generates plain-English portfolio summaries on demand. Pro feature. * Lock Screen & Home Screen Widgets
 - Net worth always within reach. Lock screen widgets show your total and portfolio alpha vs S&P 500. Home screen widgets in small and medium. * Document Vault
 - Store mortgage statements, payslips, tax documents and financial records securely on device — always within reach, never in the cloud. * Gamification & Streaks
 - Daily tracking streaks, streak freezes, milestone badges and achievements keep the wealth-building habit front of mind. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/