# NetWorth+

> NetWorth+ is a free personal finance app for Android and iPhone, for the
> Gulf, India and Southeast Asia. It tracks net worth, budgets, credit cards, loans and shared
> expenses without connecting to a bank. With the user's permission it reads
> bank alert SMS on the device to fill in transactions for approval; message
> text is processed on the phone and is not uploaded.

Publisher: NWP Technologies. Contact: support@networthplus.in
Platform: Android 8.0 or later, and iOS.
Android: https://play.google.com/store/apps/details?id=com.nwptechnologies.networthplus
iOS: https://apps.apple.com/us/app/networth-money-tracker/id6804208799
Price: free. No advertisements and no advertising SDKs. No paid tier.
Bank connection: none, in any market. No aggregator, no Plaid, no credentials.

## Key facts

- Reads bank and business sender SMS only; personal-number messages are skipped
  before anything is read. The permission is optional and revocable.
- Nothing enters the ledger until the user approves it, via the Financial Inbox.
- Multi-currency: each entry stores the exchange rate in force on the day it
  happened. Balances convert at today's rate; history is not restated.
- Three-decimal currencies (KWD, BHD, OMR) and zero-decimal currencies are
  handled correctly.
- Shared expenses between people are counted inside the user's net worth: money
  owed to them is an asset, money they owe is a liability.
- Account sharing is read-only, scoped per account, and revocable.
- Forecast: a day-by-day 90-day cash-flow projection (safe to spend, the
  lowest projected balance and its date, runway if income stopped), plus a
  monthly net worth projection to five years in conservative/expected/
  optimistic bands. The app never invents a return rate, it defaults to
  zero until the user states one. Every projection carries a confidence
  score with its reasons, and states its assumptions alongside the figure.
- Credit cards are modelled on their real statement cycle, with the payment
  deadline distinct from the cycle, and available credit net of EMI plans.
  Loan instalments split into interest, fees and a derived principal, so
  only the principal reduces debt.
- Data can be exported to CSV, and the account and its data deleted, from inside
  the app.
- Main markets: UAE (Dubai, Abu Dhabi, Sharjah), Saudi Arabia (Riyadh, Jeddah,
  Dammam), Qatar, Kuwait, Bahrain, Oman and India.

## What it does not do

- Does not connect to banks, move money, or make payments.
- Does not issue invoices, file tax, or run payroll. It is not accounting
  software.
- Does not show a credit score and has no credit bureau relationship.
- Does not give financial advice. It is a tracking tool, not a bank, lender or
  adviser. Intended for ages 18 and over.
- Interface is English only.
- No automatic categorisation from a live bank feed.

## Home

- [NetWorth+: Net Worth, Budgets & Shared Expenses](https://networthplus.in/): Track net worth, budgets and shared expenses in one app. Bank SMS read on your phone, ~165 currencies, and no bank login ever required.

## Who it's for

- [Budget App for Students & First Jobs in the UAE, Saudi Arabia and India](https://networthplus.in/for/students): Small money disappears fastest. Track an allowance, a part-time wage or a first salary in Dubai, Sharjah, Riyadh, Doha or Bangalore, split costs with friends, and start a net worth from zero. Android and iPhone, free.
- [Credit Card Tracker for the UAE, Saudi Arabia and India](https://networthplus.in/for/credit-card-users): Multiple cards in Dubai, Abu Dhabi, Riyadh, Doha or Mumbai? Track statement dates, minimum due, real balance and what a card actually costs you. Android and iPhone, no bank login, free.
- [Expense & Income Tracker for Freelancers in the UAE and GCC](https://networthplus.in/for/freelancers): For freelancers and the self-employed in Dubai, Abu Dhabi, Sharjah, Riyadh and Doha: uneven invoices, clients in three currencies, and a business that shares a wallet with your life. Android and iPhone, no bank login.
- [Expense Tracker for Delivery Riders & Drivers in the UAE and Saudi Arabia](https://networthplus.in/for/gig-workers): For riders and drivers in Dubai, Abu Dhabi, Sharjah, Riyadh, Jeddah and Doha: separate the company's cash from your own, track fuel, bike rent, Salik and fines, and see what a week really earned. Android and iPhone, free.
- [Family & Household Budget App for the UAE, Saudi Arabia and India](https://networthplus.in/for/families): School fees, groceries, the maid's salary and a card everybody uses. Track a household in Dubai, Abu Dhabi, Sharjah, Riyadh or Doha, share what you choose, and keep one figure. Android and iPhone, free.
- [For Indian Expats in the UAE: Track Net Worth in AED and INR](https://networthplus.in/for/indian-expats): Salary in dirhams, family, property and gold back in India. NetWorth+ holds both currencies, remittances, an NRE or NRO account and property back home in one real net worth figure. Android and iPhone, no bank login, free.
- [For Remote Workers & Digital Nomads in the UAE](https://networthplus.in/for/remote-workers): Paid in USD, GBP or EUR while your rent, DEWA and groceries are in dirhams? NetWorth+ holds every account in its real currency, treats transfers as transfers, and keeps your history intact if you move again. Android and iPhone, no bank login, free.
- [Just Moved to Dubai, Abu Dhabi or Riyadh? Track the First 90 Days](https://networthplus.in/for/new-arrivals): New in the UAE, Saudi Arabia, Qatar, Kuwait, Bahrain or Oman? Deposits, agency fees, Emirates ID, furniture and the first rent cheque, tracked in one place while your salary has not started yet. Android and iPhone, free.
- [Loan & EMI Tracker, Personal, Car and Home Loans in the GCC and India](https://networthplus.in/for/emi-borrowers): Track personal loans, car finance, home loans and buy-now-pay-later in the UAE, Saudi Arabia, Qatar, Kuwait, Bahrain, Oman and India. See the balance, the schedule and the end date. Android and iPhone, free.
- [Money App for Couples, Shared Costs, Separate Accounts](https://networthplus.in/for/couples): For couples in Dubai, Abu Dhabi, Riyadh, Doha and beyond: split shared costs, keep separate accounts, share what you choose read-only, and see one household picture. Android and iPhone, no bank login, free.
- [Splitting Rent and Bills With Flatmates in the UAE & GCC](https://networthplus.in/for/flatmates): Sharing a flat or a bedspace in Dubai, Abu Dhabi, Sharjah, Riyadh, Doha or Manama? Track rent cheques, DEWA, internet and groceries, and see what you are owed land in your own net worth. Android and iPhone, no bank login.
- [Tracking Money You Send Home, Remittance & Net Worth App](https://networthplus.in/for/remittance-senders): Sending money home from Dubai, Abu Dhabi, Riyadh, Jeddah, Doha, Kuwait City, Manama or Muscat? Record every transfer at the rate you actually got, keep a goal in your home currency, and see both sides as one figure. Android and iPhone, no bank login.
- [Tracking Net Worth With Property in Another Country](https://networthplus.in/for/overseas-property): A flat back home, a mortgage in a different currency, rent collected by a relative. NetWorth+ counts property, the loan against it and the rental income as part of one real net worth figure. Android and iPhone, no bank login, free.
- [Who NetWorth+ Is For, Money Tracking by Situation](https://networthplus.in/for/): Flatmates, riders, freelancers, couples, families, Indian expats, remote workers, overseas property owners, new arrivals and people sending money home in the UAE, Saudi Arabia, Qatar, Kuwait, Bahrain, Oman and India. Find the page that matches your situation.

## Comparisons

- [A Free YNAB Alternative for the GCC and India](https://networthplus.in/compare/ynab-alternative): YNAB costs about $109 a year and its bank sync barely reaches Gulf banks. What a free alternative can and cannot replace, written honestly, including what YNAB does better. Android and iPhone.
- [A Splitwise Alternative That Counts the Balance as Money](https://networthplus.in/compare/splitwise-alternative): Splitwise splits well and stops there. NetWorth+ splits, then carries what you are owed into your net worth. An honest comparison, including the three things Splitwise still does better.
- [Best Money Tracker App Picked by Reddit (2026)](https://networthplus.in/compare/best-money-tracker-app-reddit): What r/personalfinance, r/YNAB and expat subreddits actually recommend for tracking money, and the gap none of those picks fill for GCC and Indian banks. Free, Android and iPhone, no bank login.
- [Best Net Worth Tracker App in the UAE (2026)](https://networthplus.in/compare/best-net-worth-tracker-uae): Most net worth trackers are built for US accounts and US dollars. What an expat in Dubai or Abu Dhabi actually needs: AED plus a home currency, liabilities modelled properly, and no bank login.
- [Budget App Without a Bank Login, No Plaid, No Credentials](https://networthplus.in/compare/budget-app-without-bank-login): Apps that track money without connecting to your bank: how they work, what you give up, and where SMS capture fits. Written for the UAE, Saudi Arabia, the GCC and India. Android and iPhone, free.
- [Cash Flow Forecast App Without a Bank Login](https://networthplus.in/compare/cash-flow-forecast-without-bank-login): Every cash-flow forecasting app wants your bank credentials, and none of them work in the Gulf. NetWorth+ forecasts your balance day by day, shows safe-to-spend and runway, and never asks to connect an account.
- [Choosing an Expense Tracker in Saudi Arabia (2026), What Actually Matters](https://networthplus.in/compare/best-expense-tracker-saudi-arabia): What to look for in a money app in Riyadh, Jeddah, Dammam and Al Khobar: SAR handling, bank SMS alerts, no bank login, and multi-currency for family abroad. An honest checklist, including where NetWorth+ falls short.
- [Choosing an Expense Tracker in the UAE (2026), What Actually Matters](https://networthplus.in/compare/best-expense-tracker-uae): What to look for in an expense tracker in Dubai, Abu Dhabi and Sharjah: AED handling, bank SMS alerts, no bank login, multi-currency for money sent home. An honest checklist, including where NetWorth+ falls short.
- [How NetWorth+ Compares, Honest Side-by-Sides](https://networthplus.in/compare/): Comparisons against Splitwise, Mint, YNAB and bank-linked apps generally, plus what to look for when choosing a money app in the UAE, Saudi Arabia and the GCC. Including where NetWorth+ loses.
- [Mint Alternative for the Gulf and India, Free, No Bank Login](https://networthplus.in/compare/mint-alternative): Mint closed in March 2024 and Credit Karma did not replace it. What to look for in a replacement, and why the answer is different in the UAE, Saudi Arabia and India than in the US. Android and iPhone, free.

## Features

- [Bank SMS Capture & Financial Inbox](https://networthplus.in/features/sms-capture): NetWorth+ reads the bank alerts already on your phone and turns them into transactions you approve. On-device, bank senders only, optional.
- [Budgets, Savings Goals & Achievements](https://networthplus.in/features/budgets-goals): Category budgets pinned to the currency you set them in, savings goals derived from live balances, plus recurring schedules and achievements.
- [Credit Cards, Loans & EMI Tracker, Statement Cycles Done Right](https://networthplus.in/features/credit-cards-loans): Track credit card statement cycles, minimum due and real available credit, plus loan EMIs split into interest and principal. Card-to-EMI conversions handled properly. No bank login. Free on Android and iPhone.
- [Features](https://networthplus.in/features/): Every NetWorth+ feature: bank SMS capture, one net worth figure, multi-currency with historical rates, shared expenses, budgets, goals and privacy.
- [Financial Inbox, Nothing Is Recorded Until You Approve It](https://networthplus.in/features/financial-inbox): Captured messages, scanned receipts and imported CSV rows wait in a Financial Inbox for your approval. Plus balance reconciliation, backup and restore, and read-only sharing. No bank login. Free on Android and iPhone.
- [Forecast & Cash Flow, Will I Make It to Payday?](https://networthplus.in/features/forecast): See your money forward: projected net worth, a day-by-day cash-flow forecast, safe-to-spend, runway if income stopped, and what-if scenarios. No bank login. Free on Android and iPhone.
- [Multi-Currency Tracking with Historical Rates](https://networthplus.in/features/multi-currency): Around 165 currencies. Every transaction keeps the rate of the day it happened, and switching your reporting currency is fully reversible.
- [Net Worth & Portfolio Tracking](https://networthplus.in/features/net-worth): Bank accounts, cash, cards, loans and friend balances resolve into one net worth figure, with charted history and amortised loan schedules.
- [Privacy & Security](https://networthplus.in/features/privacy-security): No bank login, no card number, no PIN. Bank SMS and receipt text read on your device and never uploaded. No ads and no advertising SDKs.
- [Shared Expenses & Social Ledger](https://networthplus.in/features/shared-expenses): Split costs with partners, flatmates and friends, settle up, and watch shared balances flow into your own net worth. Per-group currency.

## Regions

- [Expense & Net Worth Tracking in India](https://networthplus.in/regions/india): Reads Rs, INR and ₹ bank SMS alerts from headers like VM-HDFCBK. Lakh and crore grouping, EMI breakdowns and multi-currency for NRIs.
- [Expense Tracking in Saudi Arabia](https://networthplus.in/regions/saudi-arabia): Reads SR and SAR bank SMS alerts on your phone and turns them into transactions you approve. Track riyal income against savings abroad.
- [Money & Expense Tracker for Bahrain, BD and SAR in One Week](https://networthplus.in/regions/bahrain): Live in Manama, spend in Saudi at the weekend. NetWorth+ tracks BHD at three decimals and SAR alongside it, with every transaction keeping the rate of its own day. No bank login. Free on Android and iPhone.
- [Money & Expense Tracker for Kuwait, KD Read Correctly](https://networthplus.in/regions/kuwait): The Kuwaiti dinar divides into 1,000 fils, and most apps force it into two decimals. NetWorth+ reads KD 18.500 as eighteen and a half dinars. Net worth, budgets and shared costs in KWD. Free on Android and iPhone.
- [Money & Expense Tracker for Oman, Rials and Baisa](https://networthplus.in/regions/oman): The Omani rial divides into 1,000 baisa and most apps round it to two decimals. NetWorth+ reads RO 4.250 correctly, tracks net worth in OMR, and needs no bank login. Free on Android and iPhone.
- [Money & Expense Tracker for Qatar, QAR, Doha](https://networthplus.in/regions/qatar): Track net worth, budgets and shared costs in Qatari riyals. Reads QR and QAR in bank alerts on your phone, handles money sent home at the rate you actually got. No bank login. Free on Android and iPhone.
- [Money Tracking across Southeast Asia](https://networthplus.in/regions/southeast-asia): SGD, ringgit, peso, baht, rupiah and the zero-decimal dong, each read with its real decimal rules. Multi-currency tracking for a region that moves.
- [Money Tracking in Qatar, Kuwait & Oman](https://networthplus.in/regions/gcc): Gulf dinars divide into thousandths and NetWorth+ reads them correctly. KD 18.500 is eighteen and a half dinars, not eighteen thousand.
- [Multi-Currency Money Tracking for Expats](https://networthplus.in/regions/expats): Earn in one currency, save in another, support family in a third. Historical rates frozen by date and fully reversible currency switching.
- [Net Worth & Expense Tracking in the UAE](https://networthplus.in/regions/uae): Built for the UAE: reads Dhs and AED bank SMS alerts on your phone, and tracks a dirham salary against savings goals in another currency.
- [NetWorth+ by Region: Gulf, India & Asia](https://networthplus.in/regions/): How NetWorth+ fits the UAE, Saudi Arabia, the GCC, India and Southeast Asia, covering the currencies, bank alert formats and decimal conventions of each.

## Free tools

- [Can I Afford This? Calculator](https://networthplus.in/tools/can-i-afford-it-calculator): A quick, honest read on a purchase: cash impact on your emergency fund, or a financed payment's share of your income. Runs in your browser.
- [Credit Card Payoff Calculator](https://networthplus.in/tools/credit-card-payoff-calculator): How many months to clear a credit card balance at a given payment, or the payment a target date needs, with total interest shown. Runs in your browser.
- [Debt-to-Income (DBR) Calculator](https://networthplus.in/tools/debt-to-income-calculator): Your debt burden ratio against the UAE Central Bank's 50% lending ceiling: monthly debts divided by gross income. Runs in your browser.
- [Emergency Fund Calculator](https://networthplus.in/tools/emergency-fund-calculator): How big an emergency fund should be, how far you are from it, and how many months it takes to close the gap. Runs in your browser.
- [Expat Net Worth Calculator (Multi-Currency)](https://networthplus.in/tools/expat-net-worth-calculator): Net worth across two currencies at once: what you hold in the UAE and what you hold back home, converted to one real total. Runs in your browser.
- [FIRE Calculator (Financial Independence)](https://networthplus.in/tools/fire-calculator): How many years to financial independence at your current savings rate and return, using the 4% rule or a withdrawal rate you set. Runs in your browser.
- [Free Bill Split Calculator](https://networthplus.in/tools/split-calculator): Split a bill evenly or by shares with tip and tax. Largest-remainder rounding means every share adds back to the total exactly.
- [Free Financial Calculators](https://networthplus.in/tools/): 14 free financial calculators: net worth, EMI, UAE gratuity, FIRE, savings goals and more. No sign-up, nothing stored, everything stays in your browser.
- [Free Loan & EMI Calculator](https://networthplus.in/tools/emi-calculator): Calculate your monthly loan instalment, total interest and full amortisation schedule on a reducing-balance basis. Runs in your browser.
- [Free Net Worth Calculator](https://networthplus.in/tools/net-worth-calculator): Work out your net worth: add assets, subtract liabilities, watch it update as you type. Runs in your browser: nothing sent anywhere.
- [Monthly Runway Calculator](https://networthplus.in/tools/runway-calculator): How many months your savings last against your burn rate, built for freelancers, gig workers and anyone with irregular income. Runs in your browser.
- [Rent vs Buy Calculator (UAE)](https://networthplus.in/tools/rent-vs-buy-calculator): Compare the real, long-run cost of renting against buying in the UAE: mortgage, DLD fees, service charges, appreciation, and what renting frees up to invest. Runs in your browser.
- [Savings Goal Calculator](https://networthplus.in/tools/savings-goal-calculator): The monthly amount a savings goal actually needs, given what you've already saved, your timeline and an expected return. Runs in your browser.
- [Savings Rate Calculator](https://networthplus.in/tools/savings-rate-calculator): Turn take-home pay and monthly spending into one honest percentage: how much of what you earn you actually keep. Runs in your browser.
- [UAE Gratuity Calculator (2026)](https://networthplus.in/tools/uae-gratuity-calculator): Work out end-of-service gratuity under UAE law: basic salary, years of service, the 21/30-day tiers and the two-year cap. Runs in your browser.

## Trust and transparency

- [Backups, Export and What Happens If NetWorth+ Stops](https://networthplus.in/trust/data-ownership): Automatic backups written to your own device on a daily, weekly or monthly schedule, CSV export at any time, and a direct answer to the question most people do not ask until it is too late: what happens to years of financial history if the company behind the app stops.
- [How NetWorth+ Makes Money, and Why It Is Free Now](https://networthplus.in/trust/how-we-make-money): NetWorth+ is free while the user base grows, not because it costs nothing to run. What the app actually costs, why a paid tier is the intended model, and why advertising and the sale of user data were ruled out before launch.
- [Security, Audit Status and Responsible Disclosure](https://networthplus.in/trust/security): An account of NetWorth+ security: what the architecture removes from the threat model, what protects your account today, what a breach could and could not reach, and the status of independent validations including SOC 2, ISO 27001 and an independent penetration test.
- [Trust Center: Security, Funding and Data Ownership](https://networthplus.in/trust/): Direct answers to the three questions that decide whether a finance app deserves your financial history: what our security has been validated against, how NetWorth+ will pay for itself, and what happens to your records if the company stops.

## Company and legal

- [About NetWorth+: who builds it and why](https://networthplus.in/about): NetWorth+ is built by NWP Technologies as a small independent project: no bank connection, no advertising, no data sold, and the reasoning behind each choice.
- [Delete Your Account and Data](https://networthplus.in/delete-account): How to delete your NetWorth+ account and all data: in the app with a 7-day grace period, or via the web request form if you cannot sign in.
- [How EMI and Loan Amortisation Work](https://networthplus.in/guides/how-emi-and-loan-amortization-work): Your EMI is fixed, but the mix inside it is not. Here is why interest dominates early on, why the balance falls slowly at first, and what that means for you.
- [How to Calculate Your Net Worth](https://networthplus.in/guides/how-to-calculate-net-worth): Net worth is assets minus liabilities. Here's exactly what counts, common mistakes to avoid, and why your own trend matters more than a benchmark.
- [How to Split Bills Fairly](https://networthplus.in/guides/how-to-split-bills-fairly): Equal, income-proportional or itemized: a practical guide to splitting bills fairly between roommates, flatmates or couples, and keeping it fair over time.
- [Money Guide for British Expats in the UAE](https://networthplus.in/guides/money-guide-british-expats-uae): A practical guide for British expats in the UAE: tracking AED and GBP, UK tax residency rules, ISAs and pensions abroad, and UK bank accounts.
- [Money Guide for Filipino Expats in the UAE](https://networthplus.in/guides/money-guide-filipino-expats-uae): A practical guide for Filipino workers in the UAE: managing AED and PHP together, comparing remittance channels, and budgeting across two countries.
- [Money Guide for Indian Expats in the UAE](https://networthplus.in/guides/money-guide-indian-expats-uae): A practical guide for Indian expats in the UAE: tracking AED and INR, sending money home, NRE/NRO accounts, NRI investing, and UAE loan eligibility.
- [Money Guide for Pakistani Expats in the UAE](https://networthplus.in/guides/money-guide-pakistani-expats-uae): Track AED and PKR together, send remittances smartly, and explore Roshan Digital Account investing: a money guide for Pakistani expats in the UAE.
- [Money Guides](https://networthplus.in/guides/): 7 in-depth money guides: net worth, EMI and loan amortisation, splitting bills fairly, and country-specific guides for Indian, Filipino, British and Pakistani expats in the UAE.
- [NetWorth+ Facts & Stats, Specs, Pricing and Coverage](https://networthplus.in/stats): The verifiable facts about NetWorth+: price, platform, countries and currencies covered, Google Play rating and what the app does and does not do. One page, kept current.
- [NetWorth+ Partner Program: Coming Soon](https://networthplus.in/partners): NetWorth+ is building a partner program for the creators, educators and communities already talking to expats, freelancers and families across the Gulf about money. Not live yet: here is what is planned.
- [Privacy Policy](https://networthplus.in/privacy): Exactly what data NetWorth+ touches and how to delete it. No bank login, bank SMS and receipts parsed on your device, no ads and no data sold.
- [Site Map](https://networthplus.in/sitemap): Every page on networthplus.in: features, regional guides, free calculators, and the company and legal documents.
- [Support & Help](https://networthplus.in/support): Help with NetWorth+: SMS capture troubleshooting, missing balances, statement matching, sharing and account deletion. Email support@networthplus.in.
- [Terms of Service](https://networthplus.in/terms): The terms governing your use of NetWorth+: a record-keeping tool, not a bank, lender or financial adviser. It never connects to your bank or moves money.
- [What Is a Personal Finance Operating System?](https://networthplus.in/personal-finance-operating-system): A personal finance operating system is one system of record for everything you own, owe, earn, spend, split and plan, with the engines to keep it consistent in every currency. Here is what that means, and why NetWorth+ is the first one.

Last updated: 2026-08-31