Local First Personal Finance

Know Your Worth.
Build Your Future.

WorthBook brings accounts, spending, budgets, goals, bills, loans, money you lend out, investments, and net worth into one private money dashboard. See what you have, what is coming, and what is safe to spend.

Download on the App Store Get It On Google Play

See What WorthBook Does

Scan to install App Store

Scan to install Google Play

WorthBook dashboard showing Safe To Spend, total funds, net worth, income, expenses, bills, and loans

WorthBook accounts screen showing cash, bank, credit, and loan balances

Monthly surplus+18.4%

Savings goal72% funded

Local firstPrivate by default

One Money Home

Everything Important.
Nothing Overwhelming.

Record a transaction once and WorthBook updates the related balances, budgets, goals, reports, and dashboard.

Know What Is Truly Yours To Spend.

See your available liquid money after reserved goals, upcoming bills, loan payments, and remaining monthly budget commitments.

Bring Every Account Together.

Track cash, banks, e wallets, savings, credit cards with supplementary cards, investments, loans, and money you have lent out.

Capture Spending Without The Busywork.

Add income, expenses, transfers, funds, and loan payments manually, or use Smart Entry and on device receipt scanning.

Plan For Real Life.

Build category budgets, fund savings goals, track Money Lent, manage recurring bills, follow loan schedules, and keep due dates on one calendar. Current and completed tabs keep finished plans out of the way.

Groceries₱8,250 of ₱12,000

69%

Transport₱3,100 of ₱6,000

52%

Track The Money You Lend Out.

Money Lent records who borrowed from you, the interest agreed, and every collection, with to collect, defaulted, and completed views.

Ask WorthBook About Your Money.

Ask questions about cash flow, spending, budgets, goals, bills, and loans, and get answers built from the records already on your phone.

Inside WorthBook

Designed To Make The Full Picture Feel Simple.

Move naturally from the accounts you own to the plans you are building and the progress behind them.

WorthBook planning screen with budgets, goals, loans, and bills — **Plan In One Place**Budgets, Goals, Loans, Money Lent & Bills

WorthBook accounts screen with total funds, net worth, cash, bank, credit, and loan accounts — **See Every Balance**Funds, Debt & Net Worth

WorthBook savings rate report showing monthly income, expenses, and saved amounts — **Follow Your Progress**Savings Trends Over Time

WorthBook Smart Entry assistant ready for a natural language finance request

WorthBook Add New menu with Smart Entry, receipt scanning, income, expenses, transfers, and funds

WorthBook Pro

Say It Naturally.
WorthBook Does The Sorting.

Smart Entry uses on-device AI to turn everyday language into a draft for transactions, accounts, budgets, goals, loans, or bills. Review every detail before anything is saved.

1
Type NaturallyDescribe an expense, income, transfer, account, budget, goal, loan, or bill.
2
Scan Receipts On DevicePhoto to expense OCR drafts a reviewable expense without leaving your phone.
3
Ask WorthBook AnythingAsk about cash flow, safe to spend, budgets, goals, bills, or loans and get answers from your own records.
4
Stay In ControlNothing posts until you confirm. Templates and recurring rules speed up what you repeat.

On-device AI and local receipt scanning are available on supported devices. Ask WorthBook answers are calculated from totals on your phone, and your transactions are never uploaded.

From Records To Direction

See The Story Behind Your Numbers.

Move beyond balances with reports for cash flow, forecasts, net worth, savings rate, spending mix, and lending, plus a debt payoff planner that shows how extra payments change your timeline.

BALANCE FORECAST

Look Ahead Before Money Gets Tight.

Project your balance from recurring income, bills, and scheduled loan payments, and make changes with more confidence.

30 / 60 / 90 Day Cash Flow Outlook

WorthBook cash flow forecast with 30, 60, and 90 day projected balances

Forecasts and payoff estimates are deterministic projections from your tracked balances and schedules, not guaranteed outcomes.

Upcoming

Status: Planned

Business Money.
Still Local First.

WorthBook is expanding for small business owners who want clearer business money tracking without leaving their personal finance home. Turn on Business when you need it. Personal finance stays the default, and your data stays on your phone.

Enable Business when you are ready.

A Settings toggle keeps Business off by default. When you turn it on, Personal and Business lenses appear so household money and business money stay clearly separate. Turn it off anytime and your business records stay saved until you need them again.

This is business money tracking, not full accounting. No payroll, inventory ERP, VAT filing, or multi-user firm books.

01

Multiple Business Profiles Planned
Create one or more businesses, tag accounts to each, and manage them from a Business hub.
02

Clients And Invoice Stubs Planned
Track who owes you, send lightweight invoice records, and log payments as business income.
03

Equipment, Tools, And Vehicles Planned
Keep a business asset register, including vehicle license and insurance renewals on What’s Due.
04

Profit Lite Analytics Planned
See income vs expense and cash flow for each business, with compare charts and CSV export on Pro.

Local First

Your Data Stays Yours.

WorthBook is private by default. Your financial records live on your device. It does not connect to your bank, sell personal and sensitive user data, show ads, or track you across apps. The only external connection is to update reference exchange rates for Pro currencies — your accounts and transactions are never sent. Read the full Privacy Policy and User Privacy Choices.

Manual Control You enter every balance and transaction. No open banking sync.
On Device Intelligence Smart Entry and receipt OCR are designed to process on supported devices.
Purchase Privacy Pro purchases verify through the store. WorthBook does not use your finance records for ads.
App Lock Protect WorthBook with on-device Face ID, fingerprint, or a passcode, with an auto lock delay you choose. Biometrics never leave your device.
Hide Amounts On Screen Tap to hide any balance or total when someone is looking over your shoulder.
Backup And Restore Export a WorthBook backup file to a folder you choose, then restore it on a new phone. No cloud account required.

Personalization

Make WorthBook Feel Like Yours.

Choose from seven application wide themes, switch between comfortable and compact density, pick a header style, and rearrange optional home sections.

WorthBook Green
Deep Ocean
Warm Plum
Soft Pink
Teal Ledger
Slate Navy
Elegant Black

WorthBook Green theme dashboard — WorthBook Green

Teal Ledger theme dashboard — Teal Ledger

WorthBook Pro

Premium Tools. One Purchase.

Pay once for Pro Lifetime. No recurring billing. Unlock the faster workflows and deeper insights when you need them.

Pro Lifetime

Included With Pro

Smart Entry With On-Device AI
Scan Receipt With On Device OCR
Ask WorthBook About Your Cash Flow, Budgets, Goals, Bills, And Loans
Expanded Currencies With Reference Exchange Rates
Edit, Duplicate, Void, And Template Transactions
Recurring Rules, Budget Rollover, And Flexible Schedules
Cash Flow Forecasts And Net Worth Trends
Savings Rate, Spending Mix, And Lending Reports
Debt Payoff Planner And Goal Completion Forecasts
Advanced Planning Filters, Loan History, And Account Trends
Supplementary Credit Cards Under A Shared Limit
Backup And Restore Your Local Data
Achievements And Money Garden Habit Tracking
Custom Dashboard, Themes, And Premium Personalization

App Store Google Play

Free Core

Track accounts, spending, budgets, goals, bills, loans, Money Lent, investments, calendar, search, reminders, App Lock, and your home dashboard with PHP and THB. No entry limits.

You Stay In Control

Smart drafts are reviewable. Forecasts are estimates from your records. WorthBook connects to an external API only to update exchange rates. Nothing posts without your confirmation.

Store Priced

Pro Lifetime uses the App Store or Google Play price for your region. Restore purchases anytime on the same store account.

Questions, Answered

Good Money Tools Should Be Easy To Understand.

Have another question? Email the WorthBook team.

Where can I download WorthBook?

WorthBook is available now on the App Store for iPhone and iPad, and on Google Play for Android.

Is business money tracking available yet?

Not yet. Business support is on the roadmap for small business owners who want business money tracking alongside personal finance. It will be opt in, keep personal finance as the default, and stay local first. Planned pieces include multiple business profiles, clients and invoice stubs, equipment and vehicle tracking, and profit lite analytics.

What can I track in WorthBook?

Accounts, cash, e wallets, savings, credit cards, transactions, budgets, goals, bills, loans, Money Lent, investments such as stocks, crypto, gold, funds, MP2, and time deposits, recurring schedules, calendar due dates, and reports including cash flow, forecasts, net worth, savings rate, spending mix, and lending.

What is Money Lent?

Money Lent tracks cash you lend to other people, separate from loans you owe. Record the borrower, the amount, one time or installment terms, and any interest, then log collections as they come in. Money leaving your account is recorded as money lent out, not an expense, and only collected interest counts as earnings.

What is Ask WorthBook?

Ask WorthBook is a Pro feature that answers questions about your cash flow, safe to spend, spending, budgets, goals, bills, loans, and net worth. Answers are calculated from totals already stored on your device, and your transactions are never uploaded.

Can I move my data to a new phone?

Yes. Pro includes Backup and Restore. Export a WorthBook backup file, which includes your records and saved receipt images, to a folder you choose, then import it on the new device. Backups stay in your own storage.

Does WorthBook connect to my bank?

No. WorthBook is manual and local first. You control every balance. It recognizes many Philippine financial institutions so accounts are easier to organize, but it never logs into your bank.

Where is my data stored?

Your financial records stay on your device. WorthBook does not sell personal and sensitive user data, show ads, or track you across apps. Pro purchases verify through the app store for entitlement status. See the Privacy Policy for Google Play User Data disclosures.

How do I delete my data?

Delete records in the app, or uninstall WorthBook to remove local app data. For support emails we hold outside the local ledger, email louisesalas08@gmail.com with “Data Deletion Request.” Full steps: User Privacy Choices.

Can I lock the app?

Yes. App Lock secures WorthBook with Face ID, fingerprint, or a passcode using your device’s on-device authentication, and you choose how quickly it locks. Biometric data is handled by your device and never leaves it. You can also hide individual balances and totals on screen.

How does Smart Entry work?

On supported devices, Smart Entry uses on-device AI to turn natural language into reviewable drafts for transactions, accounts, budgets, goals, loans, or bills. Nothing is saved until you confirm.

Can I scan receipts?

Yes. WorthBook Pro includes receipt scanning with on device OCR to draft expenses for review before saving.

Which currencies are supported?

Free includes PHP and THB. Pro unlocks USD, EUR, SGD, JPY, GBP, AUD, HKD, and CNY with reference exchange rates. WorthBook connects to an external API only to update those rates — not to access your accounts or transactions.

Is WorthBook a subscription?

No. WorthBook includes free functionality and offers Pro Lifetime as a one time purchase with no recurring billing.

Are forecasts guaranteed?

No. Cash flow forecasts, goal estimates, and debt payoff projections are deterministic estimates from your current balances and dated schedules, not financial advice or guaranteed outcomes.

Know Your Worth.
Build Your Future.