Net worth tracking · iPhone app
What is my
net worth?
Bring together savings, investments and property.
Subtract credit cards, loans and mortgages.
- No sign-up
- Data stays on your device
- Multiple currencies
Update balances yourself. No bank connection required.
Assets and debts,
together in one app.
- Count assets and debts together
- Keep accounts in their own currencies
- Your financial data is not uploaded
01 Organise accounts
Track what you own
and what you owe.
Record bank savings, stocks, crypto and outstanding debts separately. Update your account balances to see total assets, debts and net worth.
- Separate assets from debtsList the assets you hold and the amounts you still owe.
- HKD, USD, JPY and moreKeep each account in its original currency. Totals are converted to your chosen base currency.
- Enter records or import a CSVSet balances and exchange rates yourself. No banking passwords needed.
02 Follow changes
See changes in your wealth
and cash flow.
I like making sense of numbers through charts, so I built trends, growth, allocation and cash flow views into WorthBook. Insights shows how your net worth changes and where your money is held.
You can also record daily income and expenses in the Ledger.
Data and privacy
No account required.
Your data stays on your device.
No email address or banking passwords required. Accounts, balances and ledger records stay on your device and are not uploaded to WorthBook servers. Privacy Mode hides amounts on screen.
Back up before changing devices.
Export a JSON backup in Settings and keep it somewhere safe. If you use multiple books, export each one separately. There is no cloud sync, so back up before changing devices or deleting the app.
FAQ
FAQs
For other questions, contact the developer.
What is WorthBook, and who is it for?
WorthBook is an iPhone app for tracking net worth and keeping financial records. It brings account balances, investments and debts together to calculate net worth. It is useful if you have several bank, investment or foreign-currency accounts and want to see them in one place.
How is net worth tracking different from expense tracking?
Expense tracking records income and spending over a period. Net worth is the value of your assets minus your debts on a given date. WorthBook supports both. You can simply update account balances without recording every daily transaction.
How are currencies converted? Are exchange rates live?
Each account has its own currency. Totals use the exchange rates you set. Supported currencies are HKD, USD, CNY, JPY, EUR, GBP, SGD, AUD, CAD and TWD. You enter and update exchange rates yourself; they are not live market quotes.
Does WorthBook connect to banks or update investment prices?
No. You do not need to share banking passwords. Update account balances, investment values and exchange rates yourself. You can also import accounts and ledger records from CSV files.
Where is my data stored? What if I change devices?
Financial data stays on your device and is not uploaded to WorthBook servers. There is no cloud sync. Before changing devices, export a JSON backup of the current book in Settings, then import it on the new device. Export each book separately if you have more than one. Back up before changing devices or deleting the app.
Which devices and languages are supported? What does it cost?
The app supports Traditional Chinese, Simplified Chinese and English, with light and dark modes. For device compatibility, pricing and in-app purchases, see the App Store listing.
Articles
Net worth and financial records
Practical guides to calculating net worth and keeping your accounts organised.
What is net worth? How to calculate your assets and debts
Your bank balance is only part of the picture. Learn how to account for savings, investments, property, credit cards and mortgages, and keep your financial records up to date.
How to track net worth across multiple currencies
You cannot add HKD, USD and JPY balances directly. Learn how to choose a base currency, convert assets and debts, and distinguish balance changes from exchange-rate effects.
WorthBookNet worth tracking · Ledger
Download WorthBook
Try the demo data first, then add your own accounts.