You can build up your transaction history two ways in NetWorthy: entering transactions one at a time, or importing a statement file. Both paths end up in the same place, and both run through the same duplicate check before anything is added.
What the Transactions screen shows
The Transactions screen has a form for adding a single transaction, a set of filters, and a list of your recorded transactions with the newest first. Each transaction has an account (optional), a category, an amount, a date, and an optional vendor and note. Categories cover everyday spending (groceries, dining, housing, utilities, debt, entertainment, and more) as well as health-adjacent categories such as supplement, therapy, medication, and labs.
You can filter the list by vendor text search, account, category, date range, and amount range, and clear all filters at once. The list loads in pages — a Load more button appears when there are more transactions than the current page shows.
How to use it
- Add a transaction — fill in the amount, date, and category at minimum; account, vendor, and note are optional. Amounts are entered in dollars and stored as exact integer cents, so there's no rounding drift.
- Split a transaction — click Split on any row to divide it into two or more parts, each with its own category and a weight. Weights don't need to add up to anything in particular — equal weights split the amount evenly, and NetWorthy distributes any leftover cent so the parts always add back up exactly to the original amount.
- Delete a transaction — removes it immediately.
- Filter and search — narrow the list by account, category, date range, amount range, or vendor text, or clear everything back to the full list.
Health-adjacent transactions are treated as health data. If any exist and you haven't consented yet, they're hidden from the list and a consent prompt tells you how many are hidden; consenting reveals them going forward.
Importing a statement
The Import screen accepts a CSV, OFX, or QFX file. For a CSV, you map which column holds the date and amount (required) and, optionally, vendor, category, and note — NetWorthy suggests a mapping automatically based on the file's headers, and you can adjust it before committing. OFX and QFX files don't need column mapping since their format is already structured.
Before you commit, you get a preview: how many rows are new, how many already match an existing transaction exactly, and how many are ambiguous and need a decision. Committing creates the new rows, silently skips the exact matches, and raises a merge prompt for anything ambiguous — a transaction with the same vendor, amount, and date from two different sources is never silently kept as two rows, and never silently dropped as one. Every committed import appears in a batch list below the upload form and can be fully undone with one click, which reverses everything that batch created.
Ambiguous rows from either an import or from a Life OS partner are queued on the Merge prompts screen. Each one shows the existing transaction next to the new candidate, and you choose either to merge them as the same transaction or keep them as two separate ones — nothing is decided for you.
Exporting to a spreadsheet
Export CSV on the Transactions screen downloads every transaction you have — date, account, category, vendor, note, amount, currency, and whether it is still pending — as a file Excel, Google Sheets, and Numbers open directly. Amounts are written as plain numbers in the currency's own precision, with the currency code in its own column, so a spreadsheet totals them without any cleanup.
The export is the whole history, not the page or filter you are currently looking at, and it includes health-adjacent spend even when the transaction list is hiding it. A split transaction exports as its parts, never as both the parts and the original, so the file's total matches your own. Because it is your complete financial history leaving NetWorthy, the download asks for a code from your authenticator app first, and every export is recorded in your audit log.
Notes and limits
NetWorthy only reads statement files you upload yourself; it does not connect to a bank or pull transactions automatically. Optional account currency on manual entry is fixed to USD today.