A rider holding company cash in Dubai and a freelancer waiting on a London invoice do not need the same explanation. Pick the situation that looks like yours.
In short
NetWorth+ is a free personal finance app for Android and iPhone, used across the UAE, Saudi Arabia, Qatar, Kuwait, Bahrain, Oman and India. It tracks net worth, budgets, credit cards, loans and shared expenses without connecting to a bank, and can read bank alert SMS on the device with permission so transactions fill themselves in. The pages below describe how it fits particular situations, sharing a flat, sending money home, driving for a delivery platform, freelancing across currencies, running a household, carrying several cards or loans, holding property in another country, earning outside the UAE while living in it, or having arrived in the country last month.
Platform
Android 8.0+ and iOS
Cost
Free, no ads
Bank login
Never required
Main markets
GCC and India
Start here
Each one covers the same app from a different angle, with the specifics that actually apply, the rent cheque, the payout cycle, the statement date, the exchange rate.
Rent cheques, DEWA, groceries and the person who fronts everything. Splits that hold, and a balance that counts as money.
Read moreTransfers that are not spending, at the rate you actually got, into a goal priced in the currency it will be paid in.
Read moreCompany cash separated from your own, fuel and bike rent counted, and a weekly figure you can trust.
Read moreDeposits held as recoverable, reimbursements tracked, and two countries counted as one position.
Read moreUneven splits, read-only sharing scoped to what you agree, and one household picture from two private ledgers.
Read moreInvoiced versus received, clients in three currencies, business costs separable, CSV out when the accountant asks.
Read moreStatement dates, minimum due, and a balance that reduces your net worth from the moment you swipe.
Read moreThe schedule, the outstanding balance and the date it ends, for every loan you are carrying.
Read moreSchool terms, rent cheques and annual travel, held on the rhythm they actually arrive on.
Read moreSmall money tracked before it disappears, friends who owe you, and a net worth that starts near zero.
Read moreAED and INR held as one real net worth number, property and gold counted, remittances as transfers not spending.
Read morePaid in USD, GBP or EUR, spending in AED, and a ledger that survives the next move.
Read moreThe flat back home, the mortgage against it, and the rent it earns, all counted properly.
Read moreThe common thread
These situations look unrelated. They share a constraint that most personal finance software is not built around.
In the Gulf and in India, the apps that automate everything do it by connecting to your bank, and in this part of the world that connection often does not exist, is not offered, or is not something people are willing to grant. So the choice on offer is usually automation you cannot have, or manual entry you will not sustain.
NetWorth+ takes the third route: your bank already sends you an SMS for every transaction, so the app reads those on the phone, with your permission, and puts them in front of you for approval. The text is processed on the device and is not uploaded. No credentials are involved because there is nothing to log into.
Where this applies
The pages above are written from the Gulf outwards, because that is where most of this app's users are and because the specifics matter, a rent cheque in Dubai, a payout cycle in Riyadh, a bank alert format in Doha. Everything on them applies elsewhere too; the examples would simply be different.
NetWorth+ also covers India, Singapore, Malaysia, the Philippines, Thailand, Vietnam, the United Kingdom and the United States. Currency handling is not limited to the list above: three-decimal dinars and zero-decimal currencies are treated correctly rather than being forced into two decimal places.
Questions
Keep reading
Honest side-by-sides against Splitwise, Mint, YNAB and bank-linked apps generally.
Read moreThe mechanics, described once, without a persona attached.
Read moreCurrency, alert formats and local specifics by country.
Read moreNet worth, EMI and split calculators in the browser. No sign-up.
Read moreWhat the app never asks for, and what leaves your phone.
Read moreQuestions, problems and how to reach a person.
Read moreNet worth, budgets, cards, loans and shared money, without a bank login, and without a subscription.
Android and iPhone. No bank login. No ads. Message reading is optional and off until you switch it on.