Netto vs Worth

Netto is a private, calm net worth tracker. No bank logins, no Plaid, no aggregators — you add your accounts and log balances yourself, and Netto turns those numbers into a clear picture of where you stand and where you're headed. PRIVATE BY DESIGN Most money apps want your banking credentials. Netto doesn't. Your accounts and balances live on your device and sync through your own private iCloud — NorthPack Studios has no servers and never sees your data. A CALMER WAY TO TRACK Netto isn't an anxiety dashboard. It's a quiet check-in with your money: • A monthly check-in that greets you with a plain-language read on how things are going • Narrative insights that turn your numbers into sentences — "You're up $4,200 this quarter," not just a chart • An insights screen that opens with a Highlights list — your trend, top movers, and what changed, summed up in plain-language sentences above the charts TRACK EVERYTHING • Add asset and liability accounts — cash, investments, property, loans, anything • Log balances over time with optional notes • Scan a balance straight from a statement or your screen with the camera — manual entry made easy • Multi-currency accounts with a single display currency • Recently Deleted recovery and CSV import/export SEE YOUR TRAJECTORY • Home dashboard with current net worth, your change this quarter at a glance, a growth-streak badge, a highlighted insight, 90-day trend, top movers, and a preview of your next milestone • Tap any chart to expand it full-screen — high, low, average, change, and growth-rate stats, plus drag across to compare any two dates • Lock Screen and Home Screen widgets • Face ID lock so your balances stay private NETTO PRO — one-time purchase, no subscription • History tab with full balance history and range filters • Insights — narrative insights, monthly trends, projections, milestones, and allocation health • Bulk Entry across every account on one date • PDF reports • Custom account categories • Entry reminders • Add values with Siri & Shortcuts and from the Share Sheet • 90-Day Trend widget PRIVACY FIRST No account. No analytics. No tracking. Works offline. Your data stays yours. Netto is made by NorthPack Studios LLC.

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.