Wortly – Net Worth Tracker

Take full control of your financial life — without handing your bank password to anyone.

Wortly is a privacy-first net worth and budget tracker designed for people who want clarity, not complexity. You enter your numbers manually each month, and Wortly does the math: net worth, savings rate, investment rate, passive cash flow, and a prediction of when you'll reach your goals.

NO BANK LINKING. NO ACCOUNTS. NO ADS.
Your data lives only on your device and (optionally) in your own iCloud. We never see it.

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WHAT YOU TRACK
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• Cash flow: income, expenses, and investments — split by periodical and one-time
• Assets: savings, real estate, stocks, crypto — in any currency
• Liabilities: mortgages, loans, credit cards
• Net worth across multiple currencies with live FX rates

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WHAT YOU SEE
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• Dashboard Panel 1: Your net worth today, change vs last month, trend chart, savings rate streak
• Dashboard Panel 2: 8 key metrics, assets bar chart with trendline, cash flow chart with moving average
• Cash Flow tab: Full income/expense/investment breakdown, tag-based subtotals
• Net Worth tab: All assets and liabilities with multi-currency conversion
• Goals tab: Progress bars, 24-month projections based on linear regression of your actual history

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PREMIUM FEATURES (14-day free trial)
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• Dashboard Panel 2 with advanced charts and KPIs
• Tags and tag-based subtotals for detailed budget analysis
• Multi-currency support with live FX and crypto rates (BTC, ETH, SOL)
• Financial goals with AI-powered projections
• Home screen and lock screen widgets
• iCloud sync across your devices
• PDF, CSV, and JSON export

Free features: Full Dashboard Panel 1, unlimited cash flow and net worth entries, all historical data.

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DESIGNED FOR FINANCIAL INDEPENDENCE SEEKERS
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Wortly tracks the metrics that matter on the path to FIRE: savings rate, passive cash flow vs expenses, asset growth rate, months until goal. Every month you update your data, you get a cleaner picture of your trajectory.

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PRIVACY BY DESIGN
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• All data stored locally using Apple's SwiftData framework
• iCloud sync uses your personal iCloud — we cannot access it
• No analytics SDKs, no crash reporters phoning home, no advertising identifiers
• Full data export and delete at any time

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SUBSCRIPTION DETAILS
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Wortly Premium is available as:
• Monthly: $4.99/month
• Annual: $34.99/year (save 42%)

14-day free trial included. Cancel anytime in Settings → Apple ID → Subscriptions. Payment charged to your Apple ID account. Subscription automatically renews unless cancelled at least 24 hours before the end of the current period.

Privacy Policy: https://petrhomolka.com/wortly-privacy
Terms of Service: https://petrhomolka.com/wortly-terms