Net Worth Tracker vs Appurum

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/

Appurum — Know exactly where you stand. Most finance apps want your bank login. Appurum doesn't. It gives you a clear picture of your net worth and spending without connecting to anything — no accounts to create, no data leaving your device, no monthly fee. NET WORTH AT A GLANCE Add your accounts — savings, investments, real estate, loans, credit cards — and Appurum calculates your net worth instantly. Watch it grow over time with a built-in history chart you can filter by 3 months, 6 months, a year, or all time. EXPENSE TRACKING THAT RESPECTS YOUR TIME Scan a receipt and Appurum reads the merchant, amount, and date for you. Or add expenses manually in seconds. Every expense is categorized so you always know where your money is going. SPLIT GROUP EXPENSES Planning a trip or sharing a flat? Create an expense group, add everyone's name, log what was spent, and Appurum tells you exactly who owes what — and what your own balance is. BUILT FOR PRIVACY Your data is stored on your device and optionally backed up to your personal iCloud account. No servers, no trackers, no analytics, no bank connections. What's yours stays yours. ONE-TIME PURCHASE No subscription. No free trial that expires. Pay once and use Appurum forever, including all future updates. Appurum Premium unlocks unlimited accounts, expenses, and expense groups. A free tier is available to try the app before purchasing.