NetWorth+ | Net Worth Tracker

Net worth tracker for everything you own and owe. NetWorth+ turns your accounts, cards, loans, assets and shared costs into one clear net worth figure, and shows where it 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.

ONE NET WORTH FIGURE, TRACKED DAILY

Bank accounts, cash, cards, loans, assets and money owed between friends resolve into a single number, with a daily history you can chart. Asset tracking and liabilities tracking in one place, so the figure is the whole truth, not just the good half. A net worth calculator that stays current. Past days are never rewritten.

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 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
Net worth projected five years, in conservative, expected and optimistic bands

It will not invent a return rate. With none set, the projection shows accumulated savings only, and states its assumptions.

SMS EXPENSE TRACKING, 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.

BILL TRACKER, PAYMENT REMINDERS AND RECEIPTS

Bill tracker for anything recurring, with a payment reminder before it is due
Recurring payments and scheduled transactions
Bill scanner and receipt expense tracking, run on your device
Every transaction tracked in one feed you can search and export

CREDIT CARDS, LOANS AND EMIs

Cards on their real statement cycle: statement date, grace period, minimum due, and the credit left after any EMI plans. Loans on a proper amortisation schedule, each instalment split into interest, fees and principal, so a repayment cuts your debt by the right amount.

MULTI-CURRENCY EXPENSE TRACKING THAT STAYS HONEST

Every transaction records the 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 is not rewritten. Three-decimal currencies such as the Kuwaiti dinar are handled correctly.

SHARED EXPENSES WITH FRIENDS

Split costs with a partner, flatmates or friends, evenly or by any ratio, and settle up when it suits you. Shares always add back to the total.

ALSO IN THE APP

Monthly budgets by category, and savings goals
CSV import and export, full backup, read-only sharing
One tap to hide every amount

NO BANK CREDENTIALS, NO ADS

NetWorth+ never connects to your bank and never asks for a card number, PIN or password. No ads, no advertising SDKs. Delete your account and everything in it from the app.

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

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

Recent changes:
• Smoother charts. Slide a finger across a chart to read its figures.
• Home's chart now shows your net worth since you started.
• Dates and times follow your phone's settings, including 12- or 24-hour time.
• Google Pay when you pay for Pro, where available.
• Clearer messages when something can't be saved or loaded.
• Bug fixes and improvements.