Networthy consolidates your bank accounts, every investments and every brokerage into a single portfolio — real average-cost math across brokers, true time-weighted vs. money-weighted returns, and dividend income net of withholding tax. Everything stays on your device.
Not a longer feature list — a few specific things that actually require different math, not just a prettier chart.
Own a stake in a private business, an angel investment, or a fund with no live price feed? Log a value periodically and Networthy computes XIRR and P&L for it, the same as a brokerage holding. It even knows the difference between a business paying you profit and you actually withdrawing your investment — most apps either ignore private holdings entirely or track a bare balance with no return at all.
Buy the same stock across three brokers and Networthy merges every lot into one real average-cost position — while still letting you drill into any single broker's own lots. Most trackers just list your accounts next to each other; this actually does the cost-basis math.
One chart shows your pure market performance (TWR) next to your actual annualized return given when you added or withdrew money (MWR/XIRR) — with a plain-language explainer built in. Most retail apps blend these into a single "return %" that answers neither question precisely.
Per-country withholding-tax rates (Singapore, US, Japan, and more), editable if a rate changes or a new market isn't covered yet. Consumer apps typically show gross dividends and stop there.
Define your own groupings — by country, by sector, by conviction level, whatever — instead of being stuck with one fixed taxonomy someone else chose for you.
Your data lives on your device. No Plaid-style account linking, no financial data sitting on a server we operate. If you want a backup, it goes to your own Google Drive — we never see it.
Bulk-import transactions straight from Excel, with fuzzy broker and account-name matching, automatic date-format detection, and clear per-row error reporting if something doesn't match. Most trackers assume you're starting from zero.
Income, expenses, and account balances — with every trade and dividend from Investments folded straight into the same ledger.
Every buy, sell, dividend, and trading cost from Investments posts automatically into your Finances ledger — so your net worth reflects your whole financial life, not just your bank balance.
Group accounts however makes sense to you, split Assets from Liabilities, hide zero-balance accounts, and correct a balance with a backdated entry instead of silently overwriting history.
Set up a recurring transaction once — rent, a subscription, a loan payment — wit h its own cadence, and choose whether it posts automatically or just reminds you. A dedicated Repeats screen shows the running total across everything you've set up.
The part most trackers get wrong: consolidating multiple brokers into real numbers, not just a longer list of accounts.
Value, P&L, dividends, net invested, cash balance, and total invested — for your entire public portfolio, refreshed live and shown before you even scroll to a single ticker.
Sortable, customizable columns — day/YTD change, high/low, volume, exchange — with a color-coded P&L heatmap across your whole portfolio at a glance, and your column choices persist across sessions.
S&P 500, Nasdaq, FTSE, STI, and regional indices across Europe, Asia-Pacific, and emerging markets — overlaid on your own performance chart with 1/3/5-year range views.
Per-ticker cumulative totals, projected next-payment dates based on historical cadence, and net-of-withholding-tax figures throughout.
Toggle between your usual per-ticker Holdings view and a per-broker summary — value, P&L, dividends, XIRR, day change — for whenever the question is "how's this brokerage doing" rather than "how's this stock doing."
Define custom groupings — like "By Country" or a thesis-driven bucket such as "By Growth Bets" — and Networthy filters your Portfolio, Transactions, and Performance by them instantly. The same lens everywhere, not a one-off tag you set and forget.
A customizable, reorderable strip of indices, futures, and commodities, plus top movers, trending stocks, and a news feed pulled from your own watchlist and holdings — not generic headlines you'd get anywhere.
Set up multiple custom watchlists as sortable tables — track what you're actually considering, organized however makes sense to you, kept separate from what you already own.
Pinch-zoom price charts with buy/sell markers and OHLC reference lines — for any ticker, watched or held.
A stake in a private business, an angel investment, a fund with no ticker — Networthy tracks these with a real return, not just a static balance.
No live price feed for a private holding, so you check in periodically and log what it's worth — Networthy computes XIRR and P&L the same way it does for a brokerage position, rolling the value forward for any cash that's moved since your last check-in. It also knows the difference between a business paying you profit and you withdrawing your investment: a running pool of what's actually been earned nets against withdrawals first, so a real payout shows up as profit, not a capital pull-out.
A chat assistant that can answer questions about your portfolio, spending, dividends, and performance. Bring your own Anthropic API key and it's yours to use — nothing routes through a server we operate.
The assistant can look up your portfolio, net worth, transactions, dividends, and performance to answer questions — it can't create, edit, or delete anything. Every reply shows exactly how many tokens it used and what that cost, and you choose the model — Haiku, Sonnet, or Opus — defaulting to the cheapest.
Seven short videos, each showing exactly one thing — the app itself, not just screenshots of it.
