Know where you stand.
worthy is a private, local-first tracker for everything you own and owe. It records balances, not transactions — so staying on top of where you stand is a glance at a statement and a typed-in number, never bookkeeping. Whether you're building up or paying down, it keeps the whole picture in view.
Glance at a statement, type today's balance, optionally add a note. No imports, no categories, no double-entry.
Ownership splits and currency conversion are first-class, so household and per-person figures come out correct, not approximated.
It all resolves to one figure — net worth now, the move since last time, and how reachable it is.
The actual dashboard, drawn from a single recording: net worth and what's driving it, structure and leverage, liquidity by tier, and currency exposure. Try the range toggle on the chart.
A 5% EUR move shifts the total by ≈£8.6k.
liquid share (T1+T2) · 30%
since prior reading · 14 jun
No ledger, no categorised spending. Each account carries dated balance snapshots — the latest is its current value. Low-effort by design.
Every account is graded 1–5, from instant cash to locked-away. See how much you could actually reach in days versus what's tied up for years.
Every account is held in its own currency and aggregated into one base currency through a dated rate. Honest totals, never approximated.
Multiple profiles, jointly ownable accounts with percentage splits — so household and per-person figures are both correct.
Stale readings are surfaced plainly, never buried. You always know how current the figure is and how much of it is confirmed.
It's personal financial data, so it stays on your machine. No accounts, no cloud, no telemetry — yours alone.
Net worth on paper hides how reachable it is. worthy grades every account from instant cash to locked away, so you can answer how much you could actually get to in days versus what's tied up for years.
Cash and instant-access balances — spendable today.
Reachable within days — notice savings and brokerage cash.
Weeks to months to realise — investments to sell, or property in a slow market.
Months or more to turn into cash — property, receivables, illiquid holdings.
Locked or restricted — retirement and pension savings you can't reach yet.
T1+T2 is the liquid share // T5 is locked or restricted
A calm, private picture of where you stand.
A figure on paper hides how reachable it is. worthy shows where you stand — what you own, what you owe, and how quickly you could reach it — in one currency, right now.