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 phone. Your phone's own backup keeps a copy, only when that backup is end-to-end encrypted with your screen lock.
• Export a backup whenever you like, as a plain JSON file you keep.

MADE FOR ANDROID
• Material 3 Expressive, with colours from your wallpaper if you like.
• Light and dark theme, higher contrast, and full TalkBack support. TalkBack reads amounts in lakhs and crores.
• Works on phones, foldables and tablets.

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 fingerprint, face or screen lock before your figures return
• CSV export, one row per month

No subscription and no renewal.

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