# worthi: private net worth tracking

> Track accounts, liabilities, cash flow, investments, real-world assets, and multi-currency history in one private, manual-first dashboard.

- Canonical URL: https://www.worthi.app/
- Product name: worthi
- Category: personal finance software; net worth tracker; private finance dashboard
- Public web price: USD 29.99 one time; no subscription
- Content reviewed: July 15, 2026

## What worthi is

worthi is a personal finance product for people who want one clear picture of what they own, what they owe, and how that total changes over time. It combines manually entered account balances, liabilities, assets, investment holdings, transactions, recurring cash flow, and financial history.

The product is manual-first. It does not require a user to connect bank, brokerage, or card login credentials. A user chooses what to enter and when to update it.

## Core features

- A consolidated net worth dashboard.
- Bank, cash, wallet, brokerage, credit, and loan accounts.
- Real estate, vehicles, land, collectibles, crypto, private investments, and other real-world assets.
- Stocks, ETFs, funds, and other holdings with quantity, cost basis, current price, market value, and unrealized gain.
- Transactions, categories, and recurring income or expenses.
- Net worth and allocation history.
- A primary currency, secondary display currencies, and FX conversion.
- Guided setup that lets a user build an initial snapshot before checkout.

## How net worth is represented

worthi combines positive-value accounts, investment holdings, and assets, then subtracts liabilities. Shared market prices and FX rates help express a mixed portfolio in the user's selected base currency. Historical snapshots make the overall trend visible rather than showing only today's number.

## Pricing and access

The public web price is USD 29.99 as a one-time payment, with no subscription. A new user can build an initial financial snapshot before paying. Web payments are processed with Stripe Checkout; worthi does not store full card numbers.

The product includes a public website, an authenticated web application, and support for the official mobile app. Authentication and purchase flows vary by platform.

## Privacy and security summary

- No bank, brokerage, or card login credentials are required.
- User-owned financial records are scoped to the authenticated account in server-side data access.
- Sensitive finance fields are encrypted before ordinary database storage using AES-256-GCM and per-user data keys.
- Manually entered financial records are not sold or used for third-party advertising.
- Market and FX lookups use shared reference information such as symbols, exchanges, dates, and currency codes rather than bank credentials.
- No online service can be guaranteed perfectly secure; see the security and privacy documents for the complete public claims.

## Who it is for

worthi is designed for people who want more structure than a spreadsheet and more control than an account-linking aggregator. It is especially useful when a financial picture includes property, vehicles, collections, private investments, several currencies, or other records that do not appear in a single bank app.

## Getting started

Use https://www.worthi.app/login to sign in or begin an initial snapshot. Existing web users authenticate through private email sign-in. The authenticated dashboard and product APIs are private surfaces and are not public third-party integrations.

## Related public documentation

- [Net worth tracker](https://www.worthi.app/net-worth-tracker/index.html.md)
- [Private finance dashboard](https://www.worthi.app/private-finance-dashboard/index.html.md)
- [Security](https://www.worthi.app/security/index.html.md)
- [Privacy policy](https://www.worthi.app/privacy/index.html.md)
- [Support](https://www.worthi.app/support/index.html.md)
- [Concise AI index](https://www.worthi.app/llms.txt)
- [Complete AI-readable context](https://www.worthi.app/llms-full.txt)