Worth vs Capventory

Worth is a net worth tracker that treats your money as nobody's business but yours. No sign-up. No bank linking. No servers. No analytics. The app makes zero network calls — your accounts, balances, and history live in a private database on your device, synced only through your own iCloud. That's the whole story. WHAT IT DOES • One calm number: your net worth, with a monthly delta and 12-month trend — no daily flicker, no red-green anxiety • A five-minute monthly ritual: walk through your accounts, type the new values, see what changed • Built for Indian portfolios: FDs, EPF, PPF, NPS, SGB, gold in grams, real estate — alongside global stocks, crypto, and any currency • Fixed deposits track themselves: enter principal, rate, and dates once — Worth computes today's value, maturity value, and handles auto-renewal • Scan instead of typing: photograph a bank FD page, holdings screenshot, or PDF statement — on-device OCR pre-fills your deposits and mutual funds for review. The image is read entirely on your iPhone and never uploaded • Insights that tell the truth: FD maturities, milestones, biggest movers, debt ratio, and stale accounts — every account measured from when you added it, so a new account never passes for growth • Runway for when savings are funding life: your monthly drawdown, how long spendable money lasts, and your emergency reserve kept separate • Spend-first order: which account to draw from first (lowest return), with emergency cash and EPF/PPF never suggested • Charts and projections: allocation, trends, per-asset-type history, and "at this pace you reach ₹X by year Y" • Home Screen, Lock Screen and Control Center widgets; Siri & Spotlight for "what's my net worth?" • CSV export and import — your data is portable, always • Face ID lock, Indian numbering (₹12,34,567), dark mode designed first-class WHAT IT COSTS Free: up to 3 accounts, full monthly check-in, dashboard, 1-year chart, CSV export. One purchase unlocks everything, forever: unlimited accounts, all chart ranges, insights, runway and projections, goals, widgets, themes, CSV import. No subscription. Ever. Face ID lock and CSV export stay free for everyone — a privacy app that holds your own data hostage would be no privacy app at all. WHAT IT NEVER DOES • No price fetching — you own every number in the app • No bank linking, no SMS reading, no email scraping • No accounts, no cloud (except your own private iCloud), no ads, no analytics • Deleting is never instant: accounts wait in Recently Deleted for 30 days The App Store privacy label says "Data Not Collected" because there is nothing to collect.

Capventory is a private journal of your net worth. Everything you own and everything you owe — bank accounts, cash, deposits, gold, a flat, a car, a mortgage — in one figure you update in minutes. • Manual: you record what a thing is worth today, not every transaction. • Complete: 19 kinds of asset and liability, 63 currencies, one total. • Private: no account, no bank connections, nothing leaves your phone. • Yours: a backup file and a spreadsheet export that open anywhere. • Free: no ads, no subscription, nothing to buy inside. HOW IT WORKS Add a position for every asset worth remembering, and save what it is worth on a chosen day. Several positions can be updated at once under one date — that is the whole ritual, and it takes a few minutes a month. Capventory converts every currency into the one you chose as your main one, and shows your assets, your debts, your net worth, and how they changed. WHY THERE ARE NO TRANSACTIONS You are never asked for trades, purchase prices or receipts. Each position asks one question: what is it worth now. That is what keeps updating your assets this fast. WHAT YOU GET • Assets and liabilities in one net worth, shown in any of 63 currencies • 19 kinds of position: accounts, cash, deposits, investments, brokerage, bonds, crypto, precious metals, collectibles, jewellery, property, vehicles, business, cards, loans, mortgages, private debt • Exchange rates for the day you chose, with their source shown — or entered by hand • The history of your capital and of every position, with corrections to the past • Structure by category, by currency, and by a label you invent yourself • An optional expected annual rate, and an optional inflation adjustment that changes labels only and never your figures • Several portfolios, each with its own currency and history • A backup file, and a spreadsheet that opens in Numbers, Excel or Google Sheets • Face ID lock and update reminders HONEST DATA When no rate was published for a day, Capventory says the total is partial and names what is missing. It will not carry yesterday's rate forward to make a figure look complete. WHAT IT DOES NOT DO No bank connections, no statements, no reading of your messages. No transactions, budgets or spending categories. No market quotes for property, cars or crypto — those values are yours to set. No account, no cloud, no ads, and nothing to buy inside. Questions and requests: support@capventory.com Privacy: https://capventory.com/privacy