Features
Everything in Worth Clarity, explained plainly
Four groups, one product. Each area below ships today and works with the others, so a bill you add once shows up in the forecast, the budget, the calendar, and the report.
Everyday money
Know what you can actually spend today
Cash on hand, bills still due, and a daily allowance, kept honest by every transaction you log and every rule that logs itself.
Available to spend
A starting balance plus every flow since gives cash on hand. Subtract bills due before month end and you get safe to spend and a daily allowance.
90-day cash forecast
Recurring rules and future-dated entries replay forward to project your balance 30, 60, and 90 days out, with the low point and the first day it dips below zero.
Transactions, done fast
Tags, search, split payments across categories, saved templates, bulk edit, receipts, and refunds that unwind spending without inflating income.
Quick add with ⌘K
Type one line anywhere: coffee 850, salary 250k yesterday, save 10000 #emergency. A live preview shows exactly what will be logged.
Recurring rules and bills
Salary, rent, and subscriptions log themselves when due. Manual bills wait for one-click Mark as paid, and upcoming payments sit on the dashboard.
Budgets that roll over
Monthly limits per category with progress bars, a 50/30/20 starter, envelope-style rollover, sinking funds, zero-based mode, and a year-at-a-glance grid.
Accounts and transfers
Cash, bank, e-wallets, and cards each keep a live balance. Transfers move money between them without counting as income or spending.
Debts and payoff planner
Loans, cards, leases, and BNPL with balances and interest. Compare snowball vs avalanche, see debt-free dates, and open any amortization schedule.
IOUs
Money lent to and borrowed from people, tracked until settled, with per-person balances that never touch your cash figures.
Guides behind money
Wealth
Watch net worth build, one month at a time
Savings goals, an investment portfolio with live prices, the assets that earn for you, and a FIRE projection prefilled from your own pace.
Savings goals with pace
Targets with deadlines say On track or Behind pace from your real 90-day contributions. Reached goals earn a badge, a streak, and a small celebration.
Auto-save rules
Save a percentage of every income, round expenses up and keep the change, or sweep weekly. Applied in the database, so nothing slips.
Portfolio with live prices
Holdings, trades, dividends, and splits across broker accounts, with live prices for stocks, crypto, and gold, cost basis, and realized and unrealized P&L.
Net worth and FIRE
Cash, savings, investments, and assets minus open debts, charted over twelve months, plus a financial-independence projection you can tune.
Income-generating assets
Channels, pages, websites, domains, property. Attribute income and costs to each for net earnings, ROI, and a valuation range from real earnings.
Sponsorships and payouts
A pipeline from lead to paid for brand deals, plus what AdSense, affiliates, and marketplaces owe you. Pending payouts join the cash forecast.
Multi-currency
Pick your home currency. Holdings in other currencies convert with refreshable exchange rates so one number always means one thing.
Household space
Partners and family share headline numbers side by side. Transactions, notes, and categories stay private, enforced in the database.
Guides behind grow
Understanding
See where the money went, and why
A flow diagram of the month, trends with verdicts, merchant rankings, a printable report, and a year-in-review that tells the story.
Money flow
Income sources feed a cash pool that drains into categories, savings, and investments. An overspent month honestly balances with reserves.
Trends with verdicts
Every category gets steady, more, or less against the previous quarter, with its peak month and average. Any row charts on click.
Merchants
Where your money goes, payee by payee: visit counts, average spend, direction, and how concentrated your top five are.
Monthly report
One printable page per month: pillar totals with deltas, kept per 100, categories, budgets, top merchants, and biggest single expenses.
Cashflow calendar
A heat map of every day, tinted by net in or out, with future days fed by the forecast so month-end pressure is visible early.
Subscription audit
What your recurring bills really cost per month and year, plus price-change detection that flags hikes and when they started.
Unusual-charge alerts
Robust statistics flag a charge far outside its category's history the moment it lands. Confirm it once and it stays confirmed.
Money Wrapped
Your year in review: earned, spent, set aside, best month, top source, longest no-spend streak, and of every 100 earned, what you kept.
Guides behind insights
AI, grounded
Ask your money a question. Get a real answer.
The Assistant reads a compact snapshot of your numbers, looks up the ledger when it needs to, and drafts changes you confirm with one tap.
Chat with your money
Ask how the month is going, where the money went, or what to tackle first. Answers cite your real figures and stream as they arrive.
Read-only ledger tools
Transaction search, monthly totals, and per-category spending run on your own session, so row-level security bounds everything the model sees.
Drafts you confirm
Tell it to log, fix, or delete a transaction and it drafts a card. Nothing touches your ledger until you tap Confirm.
Receipt scanning
Pick a receipt and the total, date, and merchant fill the form, with line items listed for informed splitting. Malformed fields never reach the form.
AI insights on demand
Three to six specific observations about your month, each backed by concrete numbers, generated when you ask and stored so the dashboard stays instant.
Suggested recurring rules
Payments that repeat on a steady cadence become one-click rules, with precision-first heuristics so groceries never qualify.
Guides behind assistant
Every rupee, dollar, and euro, accounted for.
Start with today's cash and the bills you know. Everything else builds from there.
Free during early access. No card. Export any time.