Most personal finance tools ask you to pick a lane. Budgeting apps know what you spent but have no idea what you own. Investment trackers know your portfolio and nothing about the credit card balance quietly eating the returns. Net worth spreadsheets know both and forget to be updated after the second month.
NetWorthy is built around the number that includes everything, and around the workflows that keep that number honest.
What it does today
- Accounts. Checking, savings, credit, and loan accounts, each with a dated balance history rather than a single current value.
- Net worth. Assets and liabilities rolled into one figure and charted over time, with the asset and liability subtotals kept visible so the trend is readable.
- Transactions and import. Bring in a statement file, map its columns once, and NetWorthy remembers the mapping for next time.
- Budget. Envelopes for what you planned to spend, checked against what actually moved.
- Debt payoff. Avalanche, snowball, or an order you choose, simulated month by month against your real balances and rates.
- Emergency fund, bills, and goals. Sizing based on your own expense history, a calendar of what is due, and prioritized savings targets.
There is also a set of free calculators that need no account at all, and a growing library of guides and documentation.
Two rules we do not bend
NetWorthy never moves money. No transfers, no bill pay, no trades. It reads and it tracks, and that is the whole scope. This is partly a regulatory posture and mostly a trust one — an app that can only ever read is an app that can only ever be wrong in ways you can see and correct.
NetWorthy never gives financial advice. It will show you that one debt costs more in interest than another. It will not tell you which fund to buy, and it will not pretend that a projection is a plan. Every surface that projects or suggests says so plainly.
What is next
The near-term roadmap is depth rather than breadth: richer import coverage, better handling of duplicate transactions arriving from two sources, and investment tracking alongside the accounts you already have. We will write about the interesting parts here as they land.
If you want to see the shape of it before signing up, the calculators are the fastest way in.