Built by one small team, in the open

A finance app that explains itself

NetWorth+ is made by NWP Technologies. It exists because the personal finance apps we wanted either demanded a bank login, sold the data, or quietly got the arithmetic wrong the moment more than one currency was involved.

Milan SureshAndroid & iPhoneFlutter and Firebase

What we decided not to build

  • A bank connectionThe credential is the risk. There isn't one to lose.
  • AdvertisingNo ads, and no advertising SDKs in the build at all.
  • Data as a revenue lineNever sold, rented or handed to brokers.
  • Uploading your messagesBank SMS is parsed on your phone and stays there.
Why it exists

Most finance apps assume one country and one currency

That assumption is fine until you move, or send money home, or split a holiday with friends who bank somewhere else. Then it fails, and it fails quietly, which is the worst way for a number to be wrong.

Your March spending changes every morning because today's rate moved. A savings target priced in another country drifts daily for reasons that have nothing to do with saving. A budget silently quadruples when you change your reporting currency. None of these produce an error message; they produce a plausible figure that is simply not true.

NetWorth+ started as an attempt to get those specific things right, and most of the design decisions in it come from having got one of them wrong first.

The rule

Nothing is recorded until you approve it

Scanned messages, imported rows, generated instalments and charges from friends all wait in an inbox. Your ledger is written by you.

The rule

History is never rewritten

A past transaction keeps the exchange rate of its own day. Confirmed loan payments are never re-priced.

The rule

What it cannot compute, it names

A missing rate excludes that balance and says which currency. An unrecognised merchant waits rather than landing in “Other”.

How it is built

Choices you can check for yourself

No credentials to lose

There is no bank login, no card number, no PIN and no open-banking link anywhere in the app, because no feature uses them. The most secure way to hold a credential is not to have one.

Sensitive work stays on-device

Bank SMS parsing and receipt text recognition both run locally. What reaches our servers is the transaction you approved, not the message or the photograph.

Rules on the server, not in the app

Who owns a record and who may change it is decided server-side, so a modified client cannot talk its way past it. Those rules have their own automated test suite that runs on every change.

A check that has never failed is not a check

Verification work here includes deliberately breaking the thing being tested to confirm the test goes red. A sweep reporting zero problems means nothing until you have watched it report a non-zero number.

The reasoning is written down

The codebase carries its own standards and a history of why each rule exists, so a decision that looks strange can be traced to the bug that caused it rather than being quietly reversed.

Honest about the limits

The app says when a loan schedule is an estimate, when a currency could not be converted, and that figures may be incomplete. A finance tool that overstates its certainty is worse than one that admits a gap.

Who

The team

Milan Suresh, founder of NetWorth+

Milan Suresh

Founder · NWP Technologies

I moved between countries and realized most finance apps assume you live in one country, earn in one currency, and have access to US or UK bank aggregation. That does not hold for an expat paying a mortgage back home, or a family sending money across three currencies a month, and it did not hold for me either. NetWorth+ started as the app I wanted for my own accounts: one ledger, more than one currency, and no bank pretending it could log in on my behalf.

NetWorth+ is a small independent project rather than a venture-funded one, which is why it can afford to have no advertising in it. If you write to support, it reaches someone who has read the code.

support@networthplus.in

Flutter

Android and iOS, one codebase

Firebase

Google Cloud infrastructure

India

Where the company is governed

NetWorth+ is a tracking tool, not a bank, a lender or a financial adviser, and it does not give financial advice. See the Terms of Service and Privacy Policy.

Out now on Google Play and the App Store

NetWorth+ is available for Android and iPhone. No bank login, no advertising, and nothing recorded until you approve it.

Get it on Google Play Download on the App Store All features
No bank credentials No ads, no ad SDKs Android · iPhone