UPI, cards, NEFT, ATM withdrawals: Indian banks send an SMS for practically all of it. NetWorth+ reads those alerts on your phone and turns them into transactions you approve, without ever asking for a bank login.
Incoming SMS · VM-HDFCBK
Rs 1,250.00 debited from A/c XX4471 on 08-Aug-26 at STARBUCKS. Avl Bal Rs 42,310.55. Not you? Call 18002586161.
Read on your phone
Operator-prefixed headers like VM-HDFCBK and AD-ICICIB are recognised, and so are Rs, Rs., INR and ₹.
12,34,567.89
the Indian grouping convention, supported as a first-class option alongside international and European
Rs · ₹ · INR
all three forms recognised, because banks are not consistent about which they print
~$56bn
remitted from the GCC to India in FY 2024–25 alone, about 49% of the inward total
Figures are from public sources and are indicative. NetWorth+ does not move money and is not a remittance service.
Most finance apps offer one grouping convention and expect you to live with it. NetWorth+ carries three, because grouping and the decimal separator always travel together: no convention in the world mixes them.
Number format
12,34,567.89
1,234,567.89
1.234.567,89
You can also set a display symbol per currency, useful wherever the canonical glyph is not the one your bank prints.
Indian alerts arrive from headers like VM-HDFCBK or AD-ICICIB. The sender check accepts alphanumeric IDs with or without separators, so these pass while personal numbers are excluded before anything is read.
Banks print Rs, Rs., INR and ₹ more or less interchangeably. All four are matched, and the marker list is sorted longest-first so a shorter one never swallows a longer one.
No hardcoded registry of sender IDs to fall behind. Matching runs against the account names you created, so co-operative banks, regional banks and neobanks work from day one.
Correct the category on a scanned row once and that merchant is remembered. Learning is on by default for scanned rows, and only for those, since text you typed yourself is not a merchant name.
Home, car and personal loan instalments split into principal, interest and fees that always sum to the payment. You type interest and fees from your statement; principal is derived, so the breakdown cannot disagree with the money that moved.
Converting a card balance into an instalment plan moves the debt onto its own liability funded by the card, exactly as the bank charges it. The conversion fee is booked as an expense rather than rolled into the principal, where it would be silently amortised.
Trips, flatshares and family costs. Everyone approves what they are charged, and settling up moves the balance into your own accounts rather than leaving it in a separate app.
Report in rupees while holding dirhams, dollars or pounds, or switch your reporting currency when you move, and switch it back. Both directions re-derive from each row's own date, so nothing drifts.
Photograph a bill and the amount, date and merchant fill themselves in. Text recognition runs entirely on your device.
Import a CSV of what you already track. Rows arrive as pending entries for review rather than dropping straight into your history.
Bank names on this page are examples only. They illustrate the alert formats NetWorth+ is able to read. NetWorth+ is not affiliated with, endorsed by, sponsored by or connected to any bank, card issuer, exchange house or financial institution, and no partnership is implied. NetWorth+ does not connect to any bank, does not move, hold or transfer money, and is not a remittance service, a payment provider, a bank or a lender. It is not licensed or regulated as a financial institution in any jurisdiction, and it does not provide financial, tax, zakat, legal or investment advice. Figures may be incomplete; always check your official bank statements. For ages 18 and over.
NetWorth+ is available for Android and iPhone. No bank login, no advertising, and nothing recorded until you approve it.