Six pillars and a long tail of detail. No bank connection, no advertising, and no figure on screen that cannot be traced back to something you approved.
Total Net Worth
$407,028.67
CASH
$4,500.00
BANK
$393,162.00
Each one has its own page with the detail behind it.
Start here
The nine pillars below are not nine apps in a bundle. They are subsystems of one ledger, with sixty-plus engines keeping them agreeing with each other. This page explains the architecture they all sit on.
See how it fits togetherThe alert your bank already sends becomes a transaction you approve. Optional, off until you switch it on, and the message text never leaves your phone.
ExploreBank accounts, cash, credit cards, loans and money owed between friends resolve into one number, with a history you can chart.
ExploreWhere the money goes next, not just where it went. A day-by-day cash-flow projection, safe to spend, runway if income stopped, and a five-year outlook with its assumptions on the front.
ExploreAround 165 currencies. Every transaction keeps the rate in force on the day it happened, so last March's dinner still costs what it cost.
ExploreSplit with a partner, flatmates or friends. Settle up, and the balance flows into your own position. Everyone approves what they are charged.
ExploreStatement cycles, grace periods and the credit you actually have left. EMIs split into interest and principal, so a repayment reduces debt by the right amount.
ExploreCategory budgets that stay in the currency you set them in, and savings goals that draw from the money you actually hold.
ExploreNo bank login, no card number, no PIN. No advertisements and no advertising SDKs. Delete your account and everything in it from inside the app.
ExploreEverything the app captures for you waits for approval before it counts. Plus reconciliation that never rewrites history, and a backup file you hold yourself.
ExploreTap any screen to read how that part of the app works.
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The things that do not need a page of their own, but are the reason the app is usable day to day.
Photograph a receipt and the amount, date and merchant fill themselves in. Text recognition runs entirely on your device.
Salaries, rent, subscriptions and loan instalments generate ahead as pending rows you confirm or dismiss.
Statement cycles, available credit, and converting a card balance into an EMI plan that keeps its own schedule.
Amortised or flat. Principal, interest and fees always sum to the instalment, and Match Statement corrects the drift.
Bring an existing ledger with you. Rows land as pending entries for review rather than straight into your history.
Twenty badges across habits, saving and social. XP and level are always derived, never stored, and date-sensitive badges use server time.
At most five cards at a time. Real warnings stay put while they are true; advisory cards rotate so none of them becomes wallpaper.
Bill reminders, budget alerts and digests are scheduled on the device, so they still arrive with no connection.
Scanned messages, imported rows, generated instalments and charges from friends all arrive as pending entries. You approve or skip each one.
A past transaction keeps the exchange rate of its own day. Confirmed loan payments are never re-priced. Snapshots record the currency they were written in.
A missing exchange rate excludes that balance from the total and tells you which currency it was. A merchant it does not recognise waits for you rather than landing in "Other".
NetWorth+ is available for Android and iPhone. No bank login, no advertising, and nothing recorded until you approve it.