10月21日的Worth: Private Net worth应用程序分析

Worth is a net worth tracker that treats your money as nobody's business but yours. No sign-up. No bank linking. No servers. No analytics. The app makes zero network calls — your accounts, balances, and history live in a private database on your device, synced only through your own iCloud. That's the whole story. WHAT IT DOES • One calm number: your net worth, with a monthly delta and 12-month trend — no daily flicker, no red-green anxiety • A five-minute monthly ritual: walk through your accounts, type the new values, see what changed • Built for Indian portfolios: FDs, EPF, PPF, NPS, SGB, gold in grams, real estate — alongside global stocks, crypto, and any currency • Fixed deposits track themselves: enter principal, rate, and dates once — Worth computes today's value, maturity value, and handles auto-renewal • Scan instead of typing: photograph a bank FD page, holdings screenshot, or PDF statement — on-device OCR pre-fills your deposits and mutual funds for review. The image is read entirely on your iPhone and never uploaded • Insights that tell the truth: FD maturities, milestones, biggest movers, debt ratio, and stale accounts — every account measured from when you added it, so a new account never passes for growth • Runway for when savings are funding life: your monthly drawdown, how long spendable money lasts, and your emergency reserve kept separate • Spend-first order: which account to draw from first (lowest return), with emergency cash and EPF/PPF never suggested • Charts and projections: allocation, trends, per-asset-type history, and "at this pace you reach ₹X by year Y" • Home Screen, Lock Screen and Control Center widgets; Siri & Spotlight for "what's my net worth?" • CSV export and import — your data is portable, always • Face ID lock, Indian numbering (₹12,34,567), dark mode designed first-class WHAT IT COSTS Free: up to 3 accounts, full monthly check-in, dashboard, 1-year chart, CSV export. One purchase unlocks everything, forever: unlimited accounts, all chart ranges, insights, runway and projections, goals, widgets, themes, CSV import. No subscription. Ever. Face ID lock and CSV export stay free for everyone — a privacy app that holds your own data hostage would be no privacy app at all. WHAT IT NEVER DOES • No price fetching — you own every number in the app • No bank linking, no SMS reading, no email scraping • No accounts, no cloud (except your own private iCloud), no ads, no analytics • Deleting is never instant: accounts wait in Recently Deleted for 30 days The App Store privacy label says "Data Not Collected" because there is nothing to collect.