Worth vs Pennies Plus

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.

Pennies+ is the next generation of Pennies, the award-winning budgeting app loved by everyday people worldwide. Everything that made Pennies famous, made simple enough for your whole household: now you can share budgets with the people you share money with. ••• SHARE BUDGETS WITH YOUR HOUSEHOLD ••• Money is a team sport. Invite your partner, family or flatmates into a budget and everyone adds their spending to the same pot. Everyone sees the same numbers, updated live, so there are no surprises at the end of the month. > ONE PLAN COVERS EVERYONE One household plan covers your whole budget. You subscribe, then invite up to 6 people to each budget, and they join free. No one else needs to pay a thing. > INVITES MADE EASY Send an invite by email. One tap on the link (or a simple code) and they're in your budget, adding expenses in seconds. ••• MAIN FEATURES ••• > HELPS YOU KNOW HOW MUCH TO SPEND Pennies+ does the hard work for you by telling you how much you have to spend today. Spend less? No worries, there's more to spend tomorrow. > HELPS YOU SAVE MONEY Should you spend or should you save? Pennies+ shows your spending health with bold colors, helping you slow down or speed up to stay on track. > BUDGETS THAT FIT YOUR LIFE Weekly, bi-weekly, twice-monthly, monthly, custom and one-off budgets, starting on any day you want. Create budgets that work perfectly with your lifestyle, and set up as many as you need. > YOUR BUDGETS ON ANY IPHONE Sign in with Apple or Google and your budgets follow you. New phone? Sign in and everything is right there, always backed up and always in sync for everyone in your budget. > YOUR BUDGETS ON THE HOME SCREEN Add a widget in three sizes and see one or more budgets at a glance, today or this period. Spend, receive and transfer in one tap from the Home Screen. > MOVING FROM PENNIES? Bring your budgets with you. Pennies+ imports your budgets and history from the original Pennies app in one tap. > FLEXIBLE EXPENSES Sometimes we forget when we spend, and that's OK. Add and edit expenses on previous dates and periods, and your spending money today is always up to date. > MULTIPLE CURRENCIES Use any currency in the world for individual budgets. > TRANSFER BETWEEN BUDGETS Easily move money between budgets with a single tap. > SUPER SIMPLE, SUPER QUICK Made a purchase? Sweet, just add it in. No tags, no charts, no complex breakdowns. Just the amount of money you have to spend, for you and your household. Budgeting shouldn't be hard work, boring, or a solo job. Pennies+ is friendly, bold and unbelievably easy to use, for you and everyone you share money with. Keep things easy, spend what you want, and save money together at the end of the month. ••• PENNIES+ HOUSEHOLD PLAN ••• Creating and owning budgets requires the Household Plan, an auto-renewable subscription with monthly and yearly options and a free trial for new subscribers. One plan covers every budget you own, and the people you invite join free (up to 6 members per budget). Prices are always shown in the app before you subscribe. Payment is charged to your Apple Account at confirmation of purchase. The subscription renews automatically unless it is cancelled at least 24 hours before the end of the current period. You can manage or cancel your subscription anytime in your App Store account settings. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://theappshop.io/privacy Start budgeting together today with Pennies+! If you enjoy using Pennies+ please rate the app! If you have any feature requests we'd love to hear them. Check out Pennies in action: http://www.getpennies.com Contact us: hello@getpennies.com