Set monthly limits by category and savings goals in the currency they were created in, and watch them fill. Goals are derived from the money you actually hold, so a balance can never claim to be reserved twice.
Spent this month
$1,842.40 / $2,600
96% used · 9 days left
Over by $68.00
₹ set in INR · converts at today's rate
A budget ceiling is stored with the currency you set it in. Type 5,000 while reporting in dirhams and it is 5,000 dirhams forever; switch your reporting currency to dollars and it does not silently become a 5,000-dollar limit, which would be a near-fourfold loosening applied to the one figure whose entire purpose is to be a limit.
Groceries
Monthly · carries over
Set as AED 2,200.00 · shown in your reporting currency
Carried in
+$85.00
Days left
9
Most apps solve savings goals by moving money into a virtual envelope. NetWorth+ deliberately does not, because a stored envelope balance is a second version of the truth, and it becomes a lie the moment cash leaves the parent account without it knowing.
Instead, a goal stores only your intent: the target, the accounts that fund it, and the order. Every time you look, the allocation is re-derived from your live balances and cascades down the list. What is reserved and what is free always add up to what you actually hold, by construction.
Linked pool
$48,200.00
$15,000 of $15,000 · drawn first
$25,000 of $30,000
₹6,80,000 of ₹68,00,000 · kept in INR
Reserved + free always equals your real balance
A finance app that shouts at you every morning gets muted. These are the rules that keep it useful.
Across habits, saving, debt and social: from Ledger Keeper and Full Week through Dream Achieved, Budget Boss and Debt-Free. XP and level are always derived from what you have actually done, never stored as a number that could drift.
Date-sensitive badges advance only from server time. Re-dating your phone does not move it, and a forged timezone falls outside the window. Leap of Faith really does need 29 February.
At most three warnings and two advisory cards, one per kind. A new insight can never re-create a wall of notifications, because generating a card and showing one are separate decisions.
Warnings do not rotate while they are true. Advisory cards rotate every three days; a card that changes every morning reads as churn and gives nobody a reason to act on any particular one.
Closing a card leaves an empty slot until the next window rather than instantly promoting the next one. That endless-queue behaviour is the single most complained-about pattern in finance apps.
Bill reminders, budget alerts and digests are scheduled on the device, so they arrive with no connection. Only social notifications need the network, because they are about someone else.
Salary, rent, subscriptions, insurance and loan instalments are set up once and generated ahead of time. Every generated occurrence arrives as a pending row you confirm or dismiss, so generation can never move a balance on its own.
NetWorth+ is available for Android and iPhone. No bank login, no advertising, and nothing recorded until you approve it.