Worthflow: Net Worth Tracker

Worthflow is a quiet, private ledger for your net worth. Once a month, write down what you own and what you owe. Worthflow does the rest.

WHAT YOU OWN, MINUS WHAT YOU OWE • Tiles for savings, FDs, stocks, mutual funds, EPF, PPF, NPS, gold, property, ESOPs, and the loans against them. • Change only what moved. Everything else carries forward from last month. • Your net worth, the change since last month, and the split between assets and liabilities at a glance. • Amounts in lakhs and crores, or in thousands for dollars, euros, pounds, dirhams, and more.

INSIGHTS THAT MEAN SOMETHING • A goal to aim at. Everyone starts with First crore. • Your pace, your CAGR, and your debt ratio. • A trend line you can drag across to read any month. • Your asset mix, and exactly what moved this month. • Loan repayments count as gains, because they lift your net worth.

A MONTHLY RITUAL, NOT A CHORE • A reminder on the day you choose. It's skipped when the month already has figures, and it never shows your numbers. • Takes a couple of minutes a month. No bank logins and no syncing statements.

PRIVATE BY DESIGN • No account. No Worthflow servers. No analytics. No ads. • Your figures stay on your iPhone, with an automatic copy in your own iCloud Drive that only your Apple Account can reach. • Export a backup whenever you like, as a plain JSON file you keep.

MADE FOR iPHONE AND iPAD • Built with SwiftUI and the system's Liquid Glass look. • Light and dark mode, Increase Contrast, Reduce Motion, and full VoiceOver support. VoiceOver reads amounts in lakhs and crores.

WORTHFLOW PRO Tracking is free, forever. Pro is a single lifetime purchase for the things you'd like to change: • Tiles you name yourself, for anything the defaults don't cover • Hide tiles you never use, and reorder the rest • Name your own goal and set the amount • Notes beside any figure • Indigo, teal, rose, and violet themes, plus alternate app icons • A privacy veil, with Face ID before your figures return • CSV export, one row per month

No subscription and no renewal. Family Sharing is on.

Privacy policy: https://worthflow.netlify.app/privacy/

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