Worth — Net Worth Tracker

No bank logins, no account, no server. Update your balances when you want, and see exactly what moved your net worth — and why. Everything stays on your device.

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.