Net worth tracker
Your net worth, in one number you can trust.
Add your bank accounts, investments, property and loans once. WellthIQ shows what you own minus what you owe, and how that number moves over time.
Free on Android · Bank SMS stays on your phone · No ads
How it works
Three steps, then it runs itself.
Step 1: Add what you own
Bank balances, cash, investments such as mutual funds, EPF, FDs and gold, and property, at the values you enter.
Step 2: Add what you owe
Credit cards, home, car and personal loans, and any other money you owe.
Step 3: Watch it move
Your net worth is recorded every day, so you can see the trend over a month, six months or a year.
What it shows
Everything you own and owe, side by side.
Bank and cash
Your bank accounts, picked up from your SMS alerts, plus cash in hand.
Investments
Mutual funds, EPF, fixed deposits and gold, so your long-term money sits next to your spending money.
Property and valuables
Add a home, land or other valuables at the value you choose, and update it when you like.
Cards and loans
Outstanding card balances and loans are subtracted, so the number is honest, not just your assets.
Trend over time
A daily record shows whether you are moving forward, over one month, six months, a year or all time.
Part of your score
Net worth trend is one of the seven pillars of your Financial Health Score.
Why net worth
Why net worth matters more than your salary.
Income tells you what comes in. Net worth tells you what you have actually kept, once every loan and card balance is counted. Two people on the same salary can be years apart in net worth, and it is the number that decides how long you could last without a paycheck.
Tracking it once a year in a spreadsheet hides the trend. Seeing it in one place, next to your daily spending, shows whether this month moved you forward or back, and which side of the balance sheet did it.
In WellthIQ you enter balances and values yourself, so nothing needs a bank login or a broker connection. Your bank accounts are picked up from the SMS alerts already on your phone.
Frequently asked questions
Free on Android
Know where your money stands.
Link your accounts and get your full Financial Health Score, calculated from your real transactions, pillar by pillar, not self-reported.
No spam, ever. Your data stays on your device.