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TrueWorth is a personal financial intelligence app that gives households a unified, real-time picture of their complete financial world. It is an offline-first, manual-entry journal that tracks your net worth across multiple currencies, countries, and family members without requiring any bank connections.

When you first launch the app, the conversational setup wizard will guide you to create your profile. You will enter your Household Name, Primary Family Member, Base Country, and Base Currency. This sets the default reporting lens for your entire dashboard.

Yes. PRO subscribers can create and manage up to 5 independent household profiles. This is ideal if you want to manage separate entities, trusts, or track different life stages independently.

TrueWorth uses Face ID or Touch ID to secure your financial data. After 60 minutes of background inactivity (or on a cold launch), the app will prompt you to authenticate before showing any data.

The Journal is your data entry hub. You can track Income, Expenses, Bank Details, Investments, Real Estate, Liabilities, Other Assets, and Retirement.

You can add income streams like Salary, Rental, or Business income. You can enter either your Gross or Net take-home amount. If you enter a Gross amount, TrueWorth allows you to input an estimated tax rate, which the app uses to calculate your net monthly income and display your Operating Income on your statements.

TrueWorth is designed to track your trajectory, not your daily receipts. You should group your broad monthly totals (e.g., total living costs, total transport) rather than tracking individual micro-transactions. Leave the granular expense tracking to your bank apps.

When adding Real Estate, you enter the current market value. You can directly link a mortgage (Liability) and rental income to the property. TrueWorth automatically syncs these so that as your loan balance decreases, your property equity increases.

In the Investments tile, you can track Shares, ETFs, Managed Funds, and Crypto. PRO users can enable Portfolio Performance Tracking, which allows you to track Total Capital Invested, Net Cost Basis, and Capital Flows (Added/Removed).

"Other Assets" is used for Vehicles, Collectibles, Business Interests, and Intellectual Property. "Retirement" is for tracking long-term locked accounts like Superannuation, 401k, IRAs, and Pensions.

Yes. On any journal entry, you can assign proportional ownership stakes using the Ownership Split Editor. You simply drag the percentage sliders for each family member until they total 100%.

Custom tags allow you to group entries your way. You can create tags directly from any entry form and manage them from your Profile settings.

The Wealth Lens is the floating command pill at the top of your dashboard. Tap it to re-frame your entire financial picture through a different filter — by country, by reporting currency, or by a specific family member / household view. Free users can switch between their Primary member and country; PRO unlocks the full lens across any country, currency, or any combination of household members.

TrueWorth computes 8 CFO-grade metrics: Savings Rate, Liquidity Runway, Debt Service Ratio, Solvency Ratio, Expense Ratio, FI Ratio (Financial Independence), Diversification, and Housing Cost Ratio. The Savings Rate and Liquidity Runway are free; the remaining 6 are PRO features.

The Financial Advisor Engine generates a risk level (Low, Moderate, Elevated, or Critical) by scoring five equally-weighted factors: your Savings Score, Emergency Score, Solvency Score, Cashflow Score, and Expense Score.

If you own property, TrueWorth generates a Property Pulse showing your Portfolio LVR, Net Equity, and Cashflow. Drilling into a specific property reveals the WealthInsight Waterfall, which visually breaks down your Property Value into Net Equity, Usable Equity (after a 20% bank buffer), and Net Liquidation Value (after 5% estimated selling costs).

The Money Trail is an interactive flow diagram that visualises how your gross income flows into taxes, operating expenses, and ultimately into your net savings. PRO users can view this full-screen and export it as a PDF.

PRO subscribers can share their profile by navigating to Profile → Share Profile. TrueWorth generates a private iCloud invite link via CloudKit's CKShare that you can send via Messages or Email. Once your partner accepts, the profile appears in their Profile Switcher under "Shared with you".

How updates flow — When you edit the shared profile, your partner gets the change automatically through a silent CloudKit push. If they're already viewing the shared profile, the dashboard refreshes within a few seconds. If they're on a different profile, the change is flagged and pulls in the next time they switch to your shared profile via the Profile Switcher.

Local preferences are device-specific — Theme (light/dark) and Wealth Lens filter (member / country / currency view) are kept locally on each device, so your dashboard preferences aren't forced on them and vice versa. The financial data itself is the shared source of truth.

See also: "Can the person I shared my profile with edit my data?" for permissions, and "How do I revoke a shared profile?" for ending access.

No. All shared profiles are strictly read-only. The recipient can view all PRO-level insights, statements, and multi-currency views, but they cannot add, edit, or delete any journal entries or settings. Edit access is on the roadmap for a future release.

Updates flow from you → them automatically via silent CloudKit push. Timing depends on what they're looking at when you edit:

They're currently viewing the shared profile — Your edit arrives within a few seconds and their dashboard refreshes automatically. No manual action needed on their side.

They're viewing a different profile — The change is queued silently. The shared profile's data refreshes on their device the next time they switch to it via the Profile Switcher. This keeps their active dashboard fast — TrueWorth doesn't pull every shared profile in the background.

The app was closed when you edited — Same as the second case. When they reopen the app and switch to the shared profile, it pulls the latest. The first switch after a long gap may take a moment longer; subsequent switches are near-instant.

If they suspect a sync isn't going through, force-quitting and reopening the app re-runs the share-zone reconcile.

The primary owner can revoke access at any time by going to Profile → Share Profile → Stop Sharing. The recipient's local copy is removed on their next sync, and their app will automatically switch back to their own profile.

Outgoing shares are automatically revoked. Sharing is a PRO-only feature — when your subscription lapses, TrueWorth revokes every CKShare you've created and clears the associated metadata. Recipients lose access on their next sync.

Your own data is unaffected. Profiles you owned are still on your device, just no longer shared. Re-sharing requires re-subscribing and going through the share flow again from scratch.

Profiles you accepted from someone else are unaffected by your subscription state — those are governed by the sharer's subscription, not yours. If they downgrade, your access to their profile goes away (not the other way around).

No. TrueWorth is a strictly manual-entry journal. We never ask to link your bank accounts, never request your credentials, and never have access to your financial institutions.

TrueWorth uses a Local-First, Zero-Knowledge Architecture. Your financial entries are stored exclusively on your device's physical storage. If you enable sync, it securely uses your personal iCloud container. TrueWorth has no servers, no analytics, and no trackers—meaning even the developers cannot see your net worth.

Privacy Mode is a toggle in your settings that masks all monetary values across the app with "●●●●". Your names, tags, and labels remain visible, allowing you to use the app in public without exposing your wealth.

Yes — three ways:

JSON Export (all tiers) — Settings → Vault → Data & Recovery → Export gives you an encrypted, portable JSON snapshot of every profile you own. This is the same format used by the iCloud Drive safety-net and is readable by future versions of the app for restore.

PDF Statements (PRO) — Balance Sheet, Income Statement, Cashflow Statement, and Money Trail diagrams render as A4 PDFs you can send to your mortgage broker, accountant, or bank.

Support Bundle — If you ever need help, Data & Recovery → Send Support Bundle generates a privacy-safe diagnostic file (entity counts and log snippets — never your actual financial values) and uploads it to the developer's support inbox.

TrueWorth uses four independent backup layers so your financial journal is never lost:

1. iCloud Sync (live mirror) — If enabled, every change is mirrored to your private iCloud container in near-real-time and pushed to your other signed-in devices. This also survives lost or replaced devices.

2. On-device rolling snapshots — Up to 7 encrypted SQLite snapshots of your journal are kept on your device. A fresh snapshot is taken at most once per hour, and only when data has changed. These are what you roll back to if something looks wrong after a recent edit. A one-shot rescue snapshot is also taken just before any cross-device merge, so a problematic merge can always be undone via Recovery Centre.

3. iCloud Drive safety-net JSON — After each rolling snapshot, an encrypted JSON version is also written to iCloud Drive → TrueWorth → Backups/. Up to 7 of these are retained. Because they live in iCloud Drive (not the CloudKit container), they're visible in Files and survive even if you sign out of iCloud for the app.

4. Full-device iCloud Backup — Apple's own nightly device backup includes TrueWorth's local store automatically. Restoring to a new iPhone brings your journal along.

You don't need to do anything to enable these — they run automatically as long as iCloud is available.

Restore is handled by Recovery Centre (Settings → Vault → Data & Recovery → Recovery Centre). It's a guarded 4-step flow designed so you can't accidentally lose data:

Step 1 — Prepare for Recovery. Biometric auth required. Creates a fresh safety snapshot of your current state before anything destructive happens, then pauses iCloud Sync so the restore can't be contaminated mid-flight.

Step 2 — Choose a backup source. Three options: • An on-device rolling snapshot (last 7 hours) • An iCloud Drive JSON file (last 7 days) • A JSON file you've saved separately on your device

Once you confirm your selection, the restore is staged and the app will exit — you'll see a 'Please reopen the app' prompt. iOS does not auto-relaunch the app after a restore. Tap your Home Screen, find TrueWorth, and open it manually to continue. This step is how the app applies the restored data cleanly without leaving stale state in memory.

Step 3 — Verify the restored data. After you reopen, browse your Dashboard and confirm your assets, liabilities, members, etc. look right. If something's wrong, you can go back to Step 2 and try a different backup source.

Step 4 — Re-enable iCloud Sync. The iCloud zone is wiped and replaced with your freshly-restored local data. This prevents stale CloudKit records from re-contaminating the clean restore. Once complete, a fresh post-recovery backup is written to iCloud Drive automatically.

You can exit Recovery Centre between Steps 1 and 4 — your progress resumes from where you left off when you re-enter.

These sound similar but serve different purposes:

iCloud Sync is live replication of your current journal. Changes propagate to your other devices in seconds. There's only ever one "current" version per iCloud account.

iCloud Drive backups are point-in-time encrypted JSON files kept in Files → iCloud Drive → TrueWorth → Backups/. They're snapshots, not live — intended as a safety-net for restore, not a working copy.

Account Data (Vault → Data & Recovery → Account Data) is a read-only diagnostic view with three perspectives, switchable via the icon-pill picker at the top:

• Device — locally-stored database files, one per iCloud account you've signed into. Each iCloud account gets its own isolated store on your device, so signing between family iCloud accounts doesn't mix data. • iCloud — live read of profiles in your private CloudKit container. • Shared — profiles others have shared with you via CloudKit.

Each profile in iCloud and Shared tabs shows count pills (members, currencies, countries, journal entries) so you can confirm at a glance what's where without downloading anything.

Rule of thumb: iCloud Sync is your "working file," iCloud Drive is your "rewind button," and Account Data is an infrastructure view.

Most discrepancies are temporary sync delays. Two quick actions resolve almost all of them:

• Pull to refresh — on the Dashboard, swipe down from the top. This forces a fresh pull from iCloud and resolves most cross-device timing issues (e.g., another device made an edit you don't see yet). • Force-quit and reopen the app if pull-to-refresh doesn't help. Close the app entirely from the iOS app switcher, then re-open it — this re-runs the full sync reconcile on launch.

If something still looks wrong — values missing, profile-level corruption, unexpected duplicates — your data isn't lost. TrueWorth keeps multiple backup layers (see "How is my data backed up?") and Recovery Centre is built exactly for this scenario. See "How do I restore from a backup?" for the step-by-step walk-through.

Yes — TrueWorth is designed for offline-first editing. Every edit is saved locally first; the iCloud push runs in the background.

While offline, your edits stay on your device and the app behaves exactly the same as online — tap any number of fields, switch profiles, exit and re-enter the app, all works normally.

When the network returns, queued edits are debounced into a single push (so 50 rapid edits don't trigger 50 separate sync attempts) and propagate to your other devices. If another device made conflicting edits while you were offline, our 3-way merger reconciles them automatically — see "How does TrueWorth handle conflicting edits across devices?" for the details.

Failed pushes on flaky networks retry automatically until they succeed. There's nothing to manually trigger or wait for.

When two devices edit the same profile while one is offline (or during the brief gap before a sync round-trip completes), TrueWorth needs to reconcile their changes.

The mechanism: 3-way merge. When a device pulls from iCloud, it has three reference points: the baseline (what both devices last agreed on), its own local changes since then, and the incoming server state. The merger compares each entity (asset, liability, income stream, etc.) individually and decides which version to keep based on:

• Per-entity timestamps — the most recently edited entity wins, not all-or-nothing across the whole profile. • Repair-first validation — dangling references (e.g., an asset linking to a liability that was deleted on another device) are nulled rather than aborting the merge. • Deterministic tiebreakers — two devices running the same merge with the same inputs produce identical outputs.

Sync Review — after any non-trivial merge, a Sync Review log captures what happened: which fields merged, which were dropped, why. Find it under Vault → Data & Recovery → Sync Review.

Bottom line — concurrent edits that affect different entities (e.g., you update one bank balance while your partner adds an expense) merge cleanly. Concurrent edits to the same entity resolve to the most recent edit by timestamp.

TrueWorth runs natively on iPhone, iPad, and Mac (via Mac Catalyst). As long as each device is signed into the same iCloud account and iCloud Sync is on, they automatically share one financial journal.

First launch on a new device: • The app shows a restore screen indicating your iCloud zone has existing data. • The new device pulls the latest snapshot in a single round-trip — typically a few seconds on a normal connection. • Once settled, the new device shows the same Dashboard as your existing one.

If something looks off on the new device: see "Something on my Dashboard looks off" above for the quick refresh + reopen steps. Most cross-device timing issues clear that way.

If you ever need to run Recovery on a multi-device setup: always run it on just one device at a time. Either sign the other device out of iCloud for the app (Settings → iCloud → Apps using iCloud → TrueWorth → off) or delete the app from it before starting Recovery on the first device. Recovering in parallel on two devices can cause the devices to overwrite each other's cleanup attempts.

Your data is never deleted. If you downgrade, any items that exceed the free-tier limits (e.g., your 3rd bank account or 2nd property) are simply flagged as "archived" and hidden from your dashboard calculations. If you resubscribe, all hidden items are instantly restored. Note that linked records (like a mortgage attached to a free property) never count against your free limits.

TrueWorth is designed to scale with your complexity. If you are a single user tracking a straightforward portfolio in a single currency, our Standard Tier provides everything you need to maintain a clear financial journal. However, as your "Family Office" grows, PRO becomes your primary operating system.

When Standard is Enough You likely do not need PRO if: • You manage only yourself and your immediate personal accounts. • You operate in a single home currency and a single country. • You are primarily focused on manual data entry and basic net worth tracking. • You don't require professional-grade financial exports for third parties.

When PRO is Essential TrueWorth PRO is engineered for households acting as small institutions. You should upgrade if: • Multi-Profile Management: You need to track a partner, children, or a family trust as separate entities while viewing your "Household" wealth as a unified whole. • Global Footprint: You hold assets across multiple countries (e.g., USA and Australia) and need real-time currency conversion to see your TrueWorth in one "Base Currency." • Strategic Insights: You want access to the Financial Pulse—including Liquidity Runways, Savings Rate benchmarks, and Debt Service Ratios tailored to your specific country's economy. • Secure Family Sharing: You want to grant your partner or family members secure, read-only or collaborative access to specific profiles to ensure total family financial clarity. • Investor-Grade Exports: You want to skip the paperwork. Generate professional Balance Sheets, Income Statements, and Cashflow reports that are ready to send directly to your Mortgage Broker, Bank, or Accountant.

CFO Tip: Not sure yet? Start with a Monthly Pro Plan. It’s the best way to run a "Trial Audit" of your full global portfolio and see the power of our professional insights before committing to an annual license.