Bank accounts, cash, investments, credit cards, loans and money owed between friends all resolve into a single net worth figure that updates as you use the app, and a history you can chart back through the months.
TOTAL NET WORTH
$358,358.67
Assets
$407,028.67
Liabilities
$48,670.00
Assets
Liabilities
Includes 1 EMI plan · $12,000.00
Every account type behaves the way it behaves in real life, not the way it is easiest to store. New to the concept? See how to calculate your net worth for what actually counts on each side.
The spendable core. Available Balances on the home screen shows only these: investments, credit and liabilities are deliberately excluded, because money locked in gold is not money you can spend at lunch.
Counted in net worth, kept out of spendable money. Each account carries the real-world date it was opened, so backdated history charts on the right days instead of crediting its opening balance to every day since.
A billing cycle with a statement day, a projected balance for the open cycle, and available credit that accounts for anything blocked by an EMI plan, so a converted balance does not read as fresh headroom.
Amortised or flat. Only the principal portion of an instalment reduces the debt, and every payment debits a real funding account; otherwise debt would fall while nothing left your pocket.
What you are owed and what you owe, netted per currency and folded into your position. Settlements are the only thing that moves money between the social ledger and your own.
Salary, rent, subscriptions and instalments generate ahead of time as pending rows. They never move a balance until you confirm them, so a projection can never masquerade as a fact.
NetWorth+ writes a daily snapshot of your position and keeps them on a tiered schedule: every day for the last 90 days, and every month-end forever. Past the daily window, longer ranges are drawn one point per month.
Where a month genuinely cannot be shown (a snapshot in a currency with no available rate), it is excluded and named, so the chart tells you its history is shorter than yours rather than silently starting later.
Net worth
$358,358.67
Every loan payment has three parts: principal, interest and fees, and they always sum to the amount that actually moved. You type the interest and fees from your statement; the principal is derived, never entered.
That is not a convenience. It makes a breakdown structurally incapable of adding up to something other than the money that left your account. If the interest and fees you type exceed the total, it is refused rather than quietly clamped, because a negative principal is a payment that grows the debt.
Home Loan
$30,000.00
outstanding · next EMI 1 Sep
Instalment breakdown
This schedule is an estimate. Use Match Statement to reconcile against your lender.
All four land as pending entries you approve, so nothing enters your history behind your back.
On Android, the alerts your bank already sends become parsed transactions in your Inbox. Optional, on-device, and off until you turn it on.
Photograph a receipt and the amount, date and merchant fill themselves in. Text recognition runs entirely on your device.
Bring an existing ledger with you. Rows arrive for review rather than dropping straight into your history.
The ordinary way, with the account, category, currency and date all editable, and a payment method that is always required.
Income against expenses over time, so you can see the months that went sideways and why.
Where the money went, with your share of group splits folded in at the expense date under their own heading, never double counted.
How fast you are burning through the month against how much of it is left.
At most five cards at a time. Warnings stay put while they are true; advisory cards rotate so none of them turns into wallpaper.
Twenty badges across habits, saving, debt and social. XP and level are always derived from what you have done, never stored.
The full charted history, with month-end points kept forever and the last 90 days at daily resolution.
NetWorth+ is available for Android and iPhone. No bank login, no advertising, and nothing recorded until you approve it.