WorthOS is a net-worth notebook. Once a month you write down what you have and what you owe — by hand, on your device, and nowhere else. It charts the rest.
Free to use · the $39 Starter Kit is a one-time offline download · your data exports to CSV any day you like
Your numbers live in one local file. There is no account to create, no cloud to trust, no breach to read about later.
Typing the numbers once a month is the feature. Ten minutes of attention beats a feed you never look at.
WorthOS charts what happened and what it implies. It never scolds a down month and never sells you a product.
Click a cover — the whole page follows. In the app it's one tap in Settings.
Two years sketched ahead — with the uncertainty drawn in, not hidden.
Every entry kept as written — including the down month, recorded without comment.
Progress at a glance, an honest pace estimate — and the finished one, circled.
Accounts, debts, roughly what came in and went out. Rough is fine — you can correct anything later.
One number, one line, and what changed. Milestones get stamped; down months get recorded, not judged.
A two-year sketch with honest uncertainty. Explore a range of outcomes, stress-test a surprise expense — always a projection, never a promise.
No transaction feeds, no category police. WorthOS looks at the whole once a month, not every coffee.
It will never suggest a fund, a card, or a refinance. There is nothing to sell you, so the numbers stay honest.
Your net worth is worth a lot to advertisers. It is worth more to you. That's why there is no server.
The phone app is for glancing and jotting: this month's number, a quick entry while the statements are open, a goal checked in a queue. The long sits — forecast levers, the year in review — stay on the big screen.
Same file, same skins, moved between devices by you — a local sync over your own network, never a cloud.
Nothing. You paid once. The app, your entries, and the export are yours for good — updates included while we're around.
The app keeps working — it never phoned home to begin with. Your file is documented, and CSV export means nothing is trapped.
It's about ten minutes a month, and that's the point — the one sitting where you actually look. Most people start remembering their numbers by entry three.
While your notebook is locked, yes — encrypted with a key derived from a passphrase only you know. Once you unlock it for the session, the data is as accessible as any other page's, exactly like any local app. Choose a passphrase you'll remember: at least 12 characters, and there's no way to recover a forgotten one — not even us.
Free to use offline, forever. A one-time $39 kit, or cloud sync from $49/yr. See full pricing →