A finance app that has nothing to sell you.
Worthken is a private, read-only net worth app: no ads, no product recommendations, no selling your data. Passkeys, mandatory 2FA and an end-to-end encrypted document vault.
Today
- Free finance apps make money by selling you products.
- Connecting accounts feels like handing over the keys.
- Your documents sit unencrypted in email and cloud folders.
With Worthken
- Read-only access by architecture: money can never move.
- Paid plans, so you are the customer, not the product.
- An end-to-end encrypted vault next to the assets the documents belong to.
Your whole financial life, at a glance.
Not another budgeting app. Worthken answers one question beautifully, what you're worth, and then shows you exactly why.
One number you can trust
Your net worth, how much it moved and why, on the first screen. Scrub the trend chart to any day. Details are one tap away, never in your face.
- Change attribution: markets vs. new money vs. debt paid down
- Owned vs. owed vs. money you can actually use
- Daily snapshots, so history builds on its own
A world view of your money
See what you hold in each country, in its own currency, and switch your home currency in one tap. Built for people with a 401(k) in the US and a flat in Pune.
- Original currency always kept, never rounded away
- Live FX with the rate and time shown
- Locale-aware numbers: ₹1.2 Cr and $1.2M
Every asset. Every debt.
Cash, stocks, funds, retirement accounts, real estate, crypto, gold, RSUs, insurance with cash value, hand loans. And on the other side: mortgages, cards, education loans, BNPL.
Automatic where possible
Link US banks and brokerages through secure, read-only providers. Import Indian mutual funds from your CAS statement. Prices and exchange rates update on their own.
Property, estimated honestly
Real estate gets an estimate with a range and a confidence level, never a fake-precise number. Know better? Override it, and Worthken remembers why.
Built for families
Each person keeps their own private login. Joint and family-owned assets roll up into a family view, with privacy controls for what is shared.
An end-to-end encrypted vault
Keep deeds, loan agreements and statements next to the assets they belong to. Encrypted on your device; we can't read them.
Emergency and legacy access
Choose a trusted person who can see the full picture if something happens to you, with a waiting period you control.
Guides for you
Is it safe to link bank accounts to a net worth app?
What makes a net worth app safe: read-only access, token encryption, passkeys, mandatory 2FA, no data selling, and how to check before you connect.
How to calculate your net worth (with multiple currencies)
A step-by-step guide to calculating net worth: list assets, subtract liabilities, and convert everything held in other currencies into one home currency.
Questions, answered.
Can Worthken move my money?
No. Worthken is read-only by design. It can see balances and holdings, but it cannot move money, place trades or hold funds. That is a core architectural rule, not a setting you could accidentally change.
Is my data safe?
Worthken uses passkeys with mandatory two-factor authentication, encrypts provider tokens with keys from a managed KMS, end-to-end encrypts vault documents, and never puts balances or account numbers in logs. Your data is never sold or used for ads.
Does Worthken give financial advice?
No. Worthken provides information, not advice. It explains what changed in your net worth and why, but never recommends investments or sells financial products.
How much does Worthken cost?
Worthken is free during early access. At launch there will be Personal and Family plans priced per person, with two countries included and more available as add-ons. Your data is never locked: if a payment fails, you keep read-only access.
Early access · free
Everything you've built deserves to be seen.
Drop us a line. We’re inviting people in small batches, starting with anyone whose money lives in more than one country.
Free during early access. We read every one.
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