Know what you’re actually worth
NetWorthy adds up everything you own, subtracts everything you owe, and tracks the difference month over month. It can read your accounts. It can never move your money.
What you own
- Investments$186,300.00
- Property$84,000.00
- Cash$42,180.00
What you owe
- Mortgage$81,400.00
- Auto loan$12,720.00
- Cards$4,120.00
Net worth
Illustrative figures, not a member’s data.
Part of a Life OS
NetWorthy is the means pillar of a three-product Life OS. Each product tracks a different fact about you, and none of them pretend to be the other two.
MuscleBuddy
Tracks what your body can do.
NetWorthy
Tracks what you have to do it with.
AdventureOS
Tracks what you want to do next.
What NetWorthy will never do
It can never move your money
No transfers, no bill pay, no trades. NetWorthy reads balances and writes nothing back, and the seam it reads them through has no method that could do otherwise.
It is never financial advice
Projections and payoff plans are arithmetic on your own numbers. Nothing here recommends a specific security, and nothing is tuned to sell you one.
It will never sell your data
Every company that touches your data is named in the privacy notice. Export the whole account as JSON, or delete it outright, from your own settings.
Track what you have
One number, and everything underneath it.
Net worth
Every account rolled into one figure, with the history behind how it got there.
Accounts
Checking, savings, credit, loans, property, and whatever else you own.
Transactions
Categorise and tag what moved. A duplicate is raised for you, never guessed at.
Statement import
Bring a CSV from your bank and map its columns once; the mapping is remembered.
See more than a balance
What owns your house, your car, and what the market did with your money.
Assets
Property, vehicles, and anything else you own outright, priced beside your accounts.
Reports
Where your money actually went, read back against what you thought it did.
What-if scenarios
Save a debt-consolidation or payoff plan and compare it against the one you are on.
Plan what comes next
What you meant to spend, against what actually left.
Budget
Envelopes with rollover, measured against the transactions you already have.
Bills
A calendar of what falls due and when, so nothing lands as a surprise.
Goals
Name what you are saving for and watch the balance move toward it.
Savings ladder
Put your goals in priority order and see which one this month funds.
Clear what you owe
The other half of the balance sheet, on a schedule.
Debt payoff
Avalanche or snowball, simulated against your real balances and rates.
Emergency fund
How many months you could cover, measured against what you actually spend.
Go further, when you want toPaid
Four optional modules build on the same data you already track for free — nothing above requires any of them.
Investments
Holdings priced alongside your other accounts, with fee drag and a benchmark to measure against.
Career
Track applications and offers, and see how a raise or a new role moves your numbers.
Education
A financial-literacy course with progress tracking and quizzes, at your own pace.
Community
Savings challenges and a profile you control — never your account balances.
Try it before you sign up
The free tools run compound interest, debt payoff and more without an account. Read the guides for the basics, look a term up in the glossary, or go straight to the documentation.
Frequently asked questions
Start with one account
Add a single balance and NetWorthy has a net worth to track. Everything else — budgets, bills, payoff plans — builds on top of that whenever you are ready.