How to Read an Interest Rate
APR, APY, and the rate on your statement are three different numbers, and the difference between them is the part that decides what a debt actually costs.
The NetWorthy team3 min read
Blog
Notes on building NetWorthy, plus plain-language writing on budgeting, debt, and saving.
Why Two Apps Disagree About Your Balance
Your bank, your card app and your tracker can each show a different balance for the same account on the same day, and usually all of them are right.
The NetWorthy team4 min read
What Your Net Worth Number Leaves Out
Net worth is the best single number for tracking money over time, and it is silent on four things that decide what you can actually do this month.
The NetWorthy team3 min read
Introducing NetWorthy
A personal finance app that tracks the whole picture, never moves your money, and never tells you what to buy.
The NetWorthy team2 min read
The Boring Middle of a Financial Plan
Most of the value in a financial plan comes from the years where nothing interesting happens, which is exactly when people stop tracking.
The NetWorthy team2 min read
Why Your Budget Keeps Breaking
A budget that fails every third month is usually not a discipline problem. It is a modelling problem, and there are four common versions of it.
The NetWorthy team2 min read