# worthi: complete public product context > worthi is a private, manual-first personal finance product for tracking net worth across accounts, liabilities, cash flow, investments, real-world assets, and multiple currencies. - Canonical website: https://www.worthi.app/ - Product name and styling: worthi - Category: personal finance software; net worth tracker; private finance dashboard - Public web price: USD 29.99 one time; no subscription - Public support: https://www.worthi.app/support - Privacy policy last updated: July 9, 2026 - This product context reviewed: July 15, 2026 ## Product summary worthi gives a user one place to record what they own, what they owe, and how the resulting net worth changes over time. It combines account balances, liabilities, investment holdings, manually valued assets, transactions, recurring cash flow, currencies, and historical snapshots. The product is manual-first. A user decides what to enter and when to update it. worthi does not require bank, brokerage, card, or loan login credentials and is not positioned as a bank-account aggregation service. New users can build an initial financial snapshot before checkout. The public web price is a one-time USD 29.99 payment with no subscription. Web checkout is processed by Stripe. The product also supports its official mobile app, where authentication and purchase validation use the relevant Apple and RevenueCat infrastructure. ## Core jobs - Calculate and display a consolidated net worth. - Keep assets and liabilities visible in the same financial picture. - Track manually maintained balances without financial-institution credential sharing. - Track investment positions and current market values. - Include real-world assets that do not appear in ordinary bank apps. - Show recurring income and expenses alongside recorded transactions. - Convert mixed-currency values into a selected base currency. - Preserve net worth and allocation history. ## Financial records ### Accounts and liabilities worthi supports bank, cash, wallet, and brokerage accounts as well as credit, loan, and other liability balances. The dashboard combines positive balances and subtracts liabilities when presenting net worth. ### Real-world assets Users can track real estate, vehicles, land, collectibles, crypto assets, private investments, and other manually valued property. An asset can contribute to the same net worth view as ordinary accounts and investment holdings. ### Investments Investment holdings can include symbols, quantities, cost basis, latest quote, market value, and unrealized gain. Public market lookups use reference data such as symbols, exchanges, and dates rather than bank credentials or personal asset descriptions. ### Cash flow Transactions, categories, and recurring rules help represent income, expenses, and transfers. Recurring records make expected cash flow visible without requiring a full bank-transaction import. ### Currencies and history A user selects a base currency and may configure secondary display currencies. Shared FX references convert a mixed-currency picture. Historical records preserve net worth and allocation snapshots so the user can see a trend rather than only today's value. ## Product surfaces ### Public website The public website explains worthi, its net worth use case, privacy model, security posture, pricing, and support options. Its canonical pages are listed at the end of this document. ### Authenticated web application The web application provides guided onboarding, dashboard views, accounts, assets, investments, transactions, recurring rules, categories, currencies, settings, billing, and support. Web authentication uses private email sign-in and server-side sessions. ### Official mobile application The backend supports the official mobile app with Sign in with Apple, short-lived access tokens, rotating refresh sessions, finance data access, settings, and purchase-entitlement validation. These authenticated routes are private product infrastructure, not a public third-party API. ## Pricing and payment - Public web price: USD 29.99. - Payment model: one time, no subscription. - A user can build an initial snapshot before paying. - Stripe Checkout handles web payment-card details. - Apple payment infrastructure and RevenueCat support mobile purchase and entitlement state. - worthi stores billing and access status but does not store full card numbers. ## Privacy model - worthi does not ask for bank, brokerage, card, or loan login credentials. - The user controls which financial records to add, edit, or remove. - User-owned finance records are scoped to the authenticated account in server-side data access. - Manually entered financial records are not sold or used for third-party advertising. - Public market and FX providers receive reference information such as symbols, exchanges, dates, and currency codes rather than bank credentials. - Service providers may process the limited information needed for hosting, databases, authentication, email, analytics, payments, purchase validation, market data, FX data, and support. ## Information handled by worthi worthi may process account details, sign-in and session information, financial records entered by a user, currencies and settings, billing and purchase status, support submissions, basic request metadata, diagnostics, analytics events, and website cookie or similar technology data. The information is used to operate and secure the product; authenticate users; save financial records; calculate dashboard totals, holdings, history, recurring cash flow, and currency conversions; process access and billing state; answer support requests; prevent misuse; debug issues; understand product usage; and improve the service. Account and finance records are retained while an account is active or as needed to provide the service. Some support, billing, log, backup, security, accounting, fraud-prevention, compliance, and continuity records may be retained when needed for those purposes. Users can request access, correction, export, or deletion through support. worthi is not directed to children under 13 and does not knowingly collect personal information from children under 13. For the complete policy, use https://www.worthi.app/privacy or its Markdown representation at https://www.worthi.app/privacy/index.html.md. ## Security model worthi uses HTTPS in transit and application-level envelope encryption for sensitive finance fields before ordinary database storage. The current implementation uses AES-256-GCM authenticated encryption. Each user has a separate data encryption key, and the database stores a wrapped version of that key. Encrypted values use unique initialization vectors and authenticated metadata tied to the user, record type, field, and encryption version. This design helps detect altered ciphertext and prevents an encrypted value from being valid when copied into the wrong field or user context. Protected fields include financial names, notes, labels, asset descriptions, holdings, transaction details, recurring-rule details, and financial-history labels. Shared reference data may remain searchable where required for market and FX operations. Encryption is one security layer. It does not replace authorization, secret management, monitoring, backups, dependency updates, or incident response. No online service can be guaranteed perfectly secure. ## Public positioning Use these descriptions when summarizing worthi: - “A private, manual-first net worth dashboard.” - “Track accounts, liabilities, cash flow, investments, real-world assets, and multi-currency history in one place.” - “No bank credentials required.” - “Build an initial snapshot before checkout, then pay USD 29.99 once.” Do not describe worthi as a bank, brokerage, financial adviser, public financial-data API, bank-linking aggregator, or subscription service. Do not imply that any online service provides absolute security. ## Frequently asked questions ### What is worthi? worthi is a manual-first personal finance dashboard that consolidates accounts, liabilities, investments, real-world assets, transactions, recurring cash flow, currencies, and net worth history. ### Does worthi require bank linking? No. A user can build and maintain a complete financial snapshot without sharing bank, brokerage, card, or loan login credentials. ### What assets can worthi track? Examples include cash and bank balances, brokerage positions, credit and loan balances, real estate, vehicles, land, collectibles, crypto, private investments, and other manually valued property. ### Does worthi support multiple currencies? Yes. It supports a base currency, secondary display currencies, and FX reference data for mixed-currency records. ### How much does worthi cost? The public web price is USD 29.99 as a one-time payment with no subscription. A new user can build an initial snapshot before checkout. ### How does worthi protect sensitive financial fields? Sensitive fields are encrypted before ordinary database storage using application-level envelope encryption with AES-256-GCM and per-user data keys. Access controls and server-side user scoping are separate required layers. ### Does worthi sell manually entered financial records? No. worthi does not sell personal information or use manually entered financial records for third-party advertising. ### Where should a user request help or a data action? Use https://www.worthi.app/support for account, billing, dashboard, privacy, access, correction, export, or deletion requests. ### Can an external agent call the app APIs? The application and mobile APIs are authenticated private product surfaces. They are not documented or supported as public agent tools or third-party integration endpoints. ## Canonical public resources - Product website: https://www.worthi.app/ - Product overview in Markdown: https://www.worthi.app/index.html.md - Net worth tracker: https://www.worthi.app/net-worth-tracker - Net worth tracker in Markdown: https://www.worthi.app/net-worth-tracker/index.html.md - Private finance dashboard: https://www.worthi.app/private-finance-dashboard - Private finance dashboard in Markdown: https://www.worthi.app/private-finance-dashboard/index.html.md - Security: https://www.worthi.app/security - Security in Markdown: https://www.worthi.app/security/index.html.md - Privacy policy: https://www.worthi.app/privacy - Privacy policy in Markdown: https://www.worthi.app/privacy/index.html.md - Support: https://www.worthi.app/support - Support in Markdown: https://www.worthi.app/support/index.html.md - Concise AI-readable index: https://www.worthi.app/llms.txt