NetWorth Balance Sheet

Track assets, debts, and net worth. Health score, insights, goals — private and on-device.

NetWorth Balance Sheet is a complete personal balance-sheet workspace that turns scattered account numbers into a clear, trackable view of your finances — all on your device, with no account and no internet required.

NET WORTH AT A GLANCE See your net worth instantly: total assets minus total liabilities, with the change since your last check-in. A built-in Financial Health score (0–100) grades your balance sheet using your debt-to-asset and liquidity ratios, so you know not just your number but how healthy it is.

ACCOUNTS Track every asset — cash, savings, investments, retirement, real estate, vehicles, crypto — and every liability — mortgage, loans, credit cards. Tag assets as liquid, record loan interest rates, and organize everything by category and color.

INSIGHTS Go beyond a single total. An interactive asset-allocation donut chart, a liquid-vs-illiquid breakdown, and a debt-by-interest-rate ranking help you see where your money actually sits and which balances cost you the most.

GOALS Set net-worth milestones — your first $100k, half a million, financial independence. Add a monthly savings figure and the app projects how many months or years until you reach each target.

TREND Save dated snapshots and watch your wealth chart grow over time. The trend is where habits become visible.

LEARN Six plain-English guides cover net worth, liquidity, the debt avalanche, debt-to-asset ratio, goal setting, and why snapshots matter.

Private by design: everything is stored locally with SwiftData. No sign-up, no ads, no in-app purchases, no tracking.