NetWorth+ | Net Worth Tracker

NetWorth+ turns the accounts, cards, loans and shared costs you already have into one clear net worth figure — and shows you where that figure is heading. Without ever asking for a bank login.

THE PART NO OTHER APP DOES
Money you split with friends lands in your actual net worth. Splitting apps stop at who owes whom. Net worth apps ignore the split entirely. Here, a balance owed to you is an asset, a balance you owe is a liability, and both are counted.

SEE THE NEXT 90 DAYS BEFORE YOU LIVE THEM
Rent leaves on the 25th, salary arrives on the 28th. A monthly average cannot see that three-day hole. A day-by-day forecast can.
• Safe to spend — what is spare once your known commitments are covered
• The lowest balance you will hit, and the date you hit it
• Runway — how many months you would last if income stopped
• What if — earn more, spend less, or buy something large, and see the difference
• Net worth projected to five years, in conservative, expected and optimistic bands
It will not invent a return rate for you. With none set, the projection shows accumulated savings only, and every projection states its assumptions and the history behind it.

READS YOUR BANK SMS SO YOU TYPE LESS
Automatic transaction capture is core to NetWorth+. With your permission, the app reads the alert messages your bank and card issuer already send you, extracts the amount, date and merchant, and drops each one into your Financial Inbox for approval. Nothing is recorded until you approve it.
Reading messages is optional and off until you switch it on. Only messages from bank and business senders are examined; messages from personal numbers are skipped before anything is read. Message text never leaves your phone, is never uploaded to our servers, and is never shared with anyone. You can withdraw the permission at any time.

ONE NET WORTH FIGURE
Bank accounts, cash, credit cards, loans, assets and money owed between friends resolve into a single number, with a daily history you can chart. Past days are never rewritten.

CREDIT CARDS, LOANS AND EMIs
Cards on their real statement cycle: statement date, grace period, minimum due, and the credit you actually have left after any EMI plans. Loans on a proper amortisation schedule, with each instalment split into interest, fees and principal — so a repayment cuts your debt by the right amount, not the whole payment.

MULTI-CURRENCY THAT STAYS HONEST
Every transaction records the exchange rate in force on the day it happened, so last March's dinner still costs what it cost. Balances convert at today's rate; history does not get rewritten. Three-decimal currencies such as the Kuwaiti, Bahraini and Omani dinar are handled correctly rather than rounded to two.

SHARED EXPENSES
Split costs with a partner, flatmates or friends, evenly or by any ratio you agree, and settle up when it suits you. Shares are apportioned to the smallest unit of the currency, so they always add back to the total exactly.

ALSO IN THE APP
• Scan a receipt — text recognition runs on your device
• Monthly budgets by category, and savings goals forecast against what you really save
• Recurring payments, scheduled transactions and bill reminders
• CSV import and export, and a full backup to a file you keep
• Read-only account sharing, and one tap to hide every amount on screen
• Achievements and streaks

NO BANK CREDENTIALS, NO ADS
NetWorth+ never connects to your bank and never asks for a card number, PIN or password. No advertisements, no advertising SDKs. You can delete your account and everything in it from inside the app.

Permissions: SMS is used only for bank transaction alerts, as described above. Camera and photos are used only for receipts you choose to scan. Notifications are used only for reminders and shared expense alerts you turn on.

NetWorth+ is a tracking tool, not a bank, a lender or a financial adviser, and it does not give financial advice. Figures may be incomplete — always check your official bank statements.