IronBalance vs Worth

Know your real net worth today — every account, every currency, one number. You get paid in USD, EUR, or USDT. You live in VND, PHP, or THB. Your money is scattered across bank accounts, cards, cash, crypto exchanges, and wallets — each showing only a slice. IronBalance pulls all of it into a single net worth figure in your primary currency, right now. No bank login. No spreadsheet. No password handed to anyone. You add your accounts; the app does the currency math. Built for freelancers and remote workers who earn in one currency and live in another — the people budgeting apps and bank apps were never designed for. ONE NET WORTH, EVERY CURRENCY Add accounts in any fiat currency or crypto. Live exchange rates are built in. Each account keeps what it actually holds; everything rolls up into one primary-currency total — so you always know where you stand. ALL YOUR ACCOUNTS IN ONE PLACE Bank accounts, cards, cash, crypto exchanges, hardware wallets — add them all and tag each with a custom emoji and color. Up to 2 accounts free. DAILY BALANCE DIFFERENCE The number banks don't show you: how your net worth moved overnight, across every account and currency, as one clean delta. It separates real balance changes from exchange-rate swings — so an FX move never catches you off guard. NET WORTH OVER TIME Watch your total grow. The net worth chart tracks your primary-currency total across any range — grouped by day, month, or year. INCOME VS EXPENSE See what comes in and what goes out, period by period, with clear profit and loss. Understand the pattern, not just the balance. UNLIMITED CATEGORIES Organize income and expenses into the categories you actually use — emoji, colors, and as many subcategories as you want. Never someone else's buckets. SMART SUGGESTIONS Your most-used accounts, categories, and currencies rise to the top automatically — recalculated every day — so logging a transaction is a tap, not a scroll. Nothing to set up. CUSTOM CHARTS Build the views you want. Filter by any mix of accounts and categories, pick the visualization, see your money from any angle. Up to 2 charts free. SCHEDULED PAYMENTS & SUBSCRIPTIONS Set recurring income, expenses, and transfers once — daily, weekly, monthly, or yearly — and they post themselves on time. IronBalance even spots likely subscriptions in your history and offers to track them, so every renewal sits in one list with its next charge date. Pause and resume anytime. SAVINGS GOALS Set a target on any account and the progress bar follows your real balance as it grows. Add a deadline and the app tells you how much to set aside each month to hit it. TRANSFERS BETWEEN ACCOUNTS Move money between your own accounts — even across currencies — at live or custom rates, without distorting your net worth. FREE — NO TIME LIMIT - Up to 2 accounts or wallets - Up to 2 custom charts - 1 savings goal - Up to 3 scheduled payments - Unlimited currencies, fiat and crypto - Unlimited categories - Live exchange rates - Smart suggestions - Net worth across all accounts - Daily balance difference - Income and expense tracking PRO - Unlimited accounts - Unlimited custom charts - Unlimited savings goals - Unlimited scheduled payments - Custom exchange rate per transaction Missing something? Suggest it — we build what users actually ask for. IronBalance is a personal analytics tool, not a crypto wallet or exchange. You record your balances; the app shows the full picture in one currency. Add your accounts and see your real net worth in under three minutes. No setup wizard. No bank connection.

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.