WorthBook: Net Worth & Ledger

Worthcat

About this app

Your lucky cat for building wealth.

WorthBook is a private net worth tracker and daily ledger in one app. See everything you own and owe on one screen and watch your wealth grow over the years. Your data stays on your phone: no sign-up, no cloud, no ads.

YOUR NET WORTH, AT A GLANCE
• Total net worth, assets and liabilities on one home screen
• Multi-year trend chart with ranges from 6M, YTD and 1Y up to All time
• Assets and liabilities grouped, with sparklines and the latest change for every account
• Filters: hide an account type and every total updates to match

EVERY ACCOUNT, EVERY CURRENCY
• Cash & bank, investments, real estate, crypto, vehicles, mortgages, loans and credit cards
• 10 currencies including HKD, USD, CNY, JPY, EUR, GBP, SGD, AUD, CAD and TWD
• Set your own exchange rates; totals convert to your base currency automatically
• Full value history for each account, so you can see how every balance has changed

LOG SPENDING IN SECONDS
• Quick ledger with a built-in calculator keypad
• Categories for food, transport, travel, housing, shopping, health, management fees, family and more
• Link an entry to an account and its balance and your net worth update instantly
• Day, month and year-to-date income, expense and net totals

SUBSCRIPTIONS, SORTED
• Track Netflix, Disney+, Spotify, ChatGPT, PlayStation Plus, gym, mobile plan and more
• Popular services grouped into Video, Music, AI, Cloud & apps, Gaming and Living
• See your monthly and yearly total, and a by-category chart of where it goes
• Get reminded before each renewal — on the day, or 1, 3 or 7 days before

REMINDERS THAT HELP
• Credit card statement reminders, 3 days before each statement day
• An optional evening reminder to log the day — skipped when you already have
• Weekly and monthly recaps of your ledger and net worth changes

WATCH YOUR MONEY GROW
• Monthly, quarterly and yearly growth charts
• Allocation by account type, and how each type — from property to credit cards — has moved
• Spending by category, income vs expense cash flow, and assets vs liabilities
• Records and milestones: your best month, up streaks and the next milestone

PRIVATE BY DESIGN
• 100% offline: your balances never leave your device
• No account, no cloud, no ads, no tracking
• Fingerprint / face unlock
• Privacy mode hides balances with dots when you open the app in public

MADE FOR REAL LIFE
• Multiple books: keep personal, family or business finances separate
• Import accounts and ledger entries from CSV
• Export a full JSON backup at any time
• Light and dark mode
• English, 繁體中文 and 简体中文

WorthBook is a net worth tracker, not a bank app. It never connects to your bank or asks for your login details. You stay in full control of your numbers.

Start with the demo portfolio and see your whole financial picture in minutes.