Know your net worth.
Own your future.
See your complete financial picture in 30 seconds. No bank logins. No data sharing. Just you and your money.
Free to use · Premium starts at $2.91/month
You’re earning money.
But are you building wealth?
Most people have no idea what their net worth is. They check individual bank apps, guess at their investments, and hope they’re heading in the right direction.
The Spreadsheet Trap
You started a spreadsheet once. It got complicated. You update it every few months, maybe. The numbers are probably wrong.
The Privacy Dilemma
Every finance app wants your bank login. You’re not comfortable giving credentials to an app you found yesterday.
The Anxiety Loop
Without clear numbers, money becomes a vague source of stress. You don’t know if you’re on track. You just… hope.
Assets, liabilities, and your real net worth — at a glance
Add everything you own and everything you owe. Wortly calculates your true net worth instantly. Watch it grow as you pay down debt and build savings.
- Property, investments, savings, crypto
- Mortgages, student loans, credit cards
- Multi-currency with live exchange rates
- Built-in guide to value your assets
A dashboard that motivates — and one you’ll actually share
Your home screen shows net worth, savings rate, investment rate, and your tracking streak. No private salary numbers — just progress you’re proud to show off.
- Big, bold net worth number with trend chart
- Savings rate & investment rate percentages
- Screenshot-ready — share without revealing income
- Swipe for the full power-user dashboard
Budget tracking that doesn’t feel like homework
Your recurring income and expenses auto-fill every month. Just add the one-offs. Tag everything however you like — by bank, person, project, or “needs vs wants.”
- Income, expenses & investments — tracked separately
- Recurring items carry forward automatically
- Passive income flagged & tracked distinctly
- Custom tags with instant subtotals
Set goals. See the future. Stay on track.
Define your net worth target and the app projects month-by-month whether you’ll hit it. Powered by real trendlines from your data — not wishful thinking.
- Monthly goal vs actual tracking
- Projections based on your real trajectory
- Tap any month to adjust your plan
- Satisfying green numbers when you beat the goal
Built for serious tracking.
Designed for simplicity.
Home & Lock Screen Widgets
Glance at your net worth without opening the app. Small and medium widgets available.
Charts & Trendlines
Assets, cash flow, passive income, investment ratio — all with trendlines, goals, and moving averages.
iCloud Sync
Keep your data synchronized across all your Apple devices seamlessly.
PDF & CSV Export
Export your financial data for tax prep, your advisor, or just your records.
Monthly Reminders
A gentle nudge to update your numbers. Build the habit that builds wealth.
Light & Dark Mode
Follows your iPhone setting or set it manually. Beautiful either way.
5 minutes a month.
Financial clarity for life.
Add your accounts
Enter your assets (savings, investments, property) and liabilities (loans, mortgage). Takes 5 minutes the first time.
Track monthly
Each month, recurring items auto-fill. Just update balances and add any one-time expenses. Done in 30 seconds.
Watch it grow
Your savings rate, investment rate, and net worth trend tell the whole story. Share your progress — screenshot ready.
Private by design.
Not by afterthought.
Wortly never asks for your bank credentials. Your data lives on your device and nowhere else. No account required. No tracking. No ads. Just a tool that respects your privacy as much as you do.
How Wortly stacks up
Simpler than the complex apps. More private than all of them. And half the price.
| Feature | YNAB | Monarch | Copilot | Wortly ✦ |
|---|---|---|---|---|
| Price / month | $14.99 | $9.99 | $7.99 | $2.91* |
| Free tier | No | No | No | ✓ Yes |
| No bank login needed | ✕ | ✕ | ✕ | ✓ By design |
| Multi-currency | ✕ | ✕ | ✕ | ✓ 150+ currencies |
| Crypto rates | ✕ | ✕ | Limited | ✓ Live rates |
| Net worth tracking | ✓ | ✓ | ✓ | ✓ Hero feature |
| Works worldwide | ✓ | US only | US only | ✓ Global |
* Annual plan ($34.99/year). Monthly plan available at $4.99/month.
Start free. Upgrade when ready.
Every user gets a 14-day trial of all premium features. After that, the free tier keeps working beautifully. Upgrade for the full experience.
Monthly
Flexible. Cancel anytime.
Annual
Just $2.91/month. Best for building long-term habits.
Free forever: Net worth dashboard, basic budget tracking, 3 months of history.
Questions? Answered.
Your financial clarity
starts today.
Download Wortly and see your complete financial picture in under 5 minutes. Free to start, private forever.
Download for iPhone — It’s FreeiOS 16+ · No account required · 14-day premium trial included