Why TrueWorth

The command layer for household wealth.

We don't compete with your bank app, your brokerage, or your budgeting tool. TrueWorth sits above them — consolidating what they fragment into the single indicative figure that gives you real financial command across every country, currency, asset, and family member.

The fragmentation trap

Most tools only solve a fraction.

The full wealth story sits across five blind spots.

Budget Trackers

Sees: Daily transactions — coffee, Netflix, groceries.
Misses: Capital, property equity, liabilities. And bank-syncing trades your security for clarity.

Portfolio Trackers

Sees: Trades, securities, market valuations.
Misses: Real estate, liabilities, household consolidation, multi-currency context.

Property Tools

Sees: One residence in one country.
Misses: Global portfolio, integrated household cashflow, foreign currencies.

Spreadsheets

Sees: Whatever you have the patience to type.
Misses: Maintainability — collapses the moment you add a second currency or family member.

Wealth Managers

Sees: Everything — your full financial picture.
Misses: Your privacy. The price. (You pay a percentage of assets and surrender every detail of your financial life — to receive a summary of data you already own.)

The privacy price

You surrender everything — for an incomplete view.

Bank-linked apps demand every transaction you've ever made — your salary, your rent, your therapy — just to compute a total you already know. Wealth managers go further: every document, every account, every trust, handed to a third party simply to receive a summary of your own data.

And even after that trade, most apps support only some banks, in some countries. Move overseas, hold a foreign-currency account, or use a regional brokerage — and you're left with blind spots anyway. The privacy was given up; the picture was never complete.

You shouldn't need to surrender every transaction to see your own total.

The cost price

And it costs more than money.

Financial planners, wealth managers, advisors — whichever you turn to, the path is the same. You collect every statement, sit through repeat meetings explaining your finances in detail, wait for the analysis to come back, and pay. What you receive at the end is a starting point — assembled from data you already had.

Most households just stay financially blind.

Our vision

In a world of fragmented apps and hungry trackers, of bank logins surrendered, of wealth managers paid just to summarise your own data —

Corporate Precision. Total Privacy.

Your household isn't a checking account. It's an institution that deserves a professional-grade vault — built with total privacy by design.

TrueWorth bridges high-finance analysis and the modern household, giving individuals the same analytical precision global firms use to manage capital.

The TrueWorth difference

Three things TrueWorth does differently.

Beyond Net Worth

A simple tally is a snapshot. We audit the velocity of your equity and the strength of your global cashflow — to reveal your trajectory, not just your balance.

Institutional Metrics

Savings Rate, Liquidity Runway, Debt Service Ratio — CFO-grade benchmarks that move you from "saving" to "strategic capital allocation."

Total Privacy

Offline-first architecture. No bank links. No third-party scraping. No cloud tracking. Your financial truth lives on your devices and your private iCloud — never on ours.

Boundaries

What TrueWorth isn't — and will never be.

An expense tracker
A bank-linked aggregator
A backend service watching your data
A surface for ads
An analytics or tracking endpoint
An AI engine generating "insights" from your money

Every one of these decisions is permanent. They're how the architecture works — not promises we could quietly walk back.

Our principles

Five rules we won't break.

Local-first, always

Your data is stored on your device via Apple's SwiftData framework, with optional sync through your private iCloud. There is no TrueWorth server holding your numbers — ever.

Manual is a feature

We will never ask for bank credentials. Manual entry is slower by a few minutes — and worth every second in privacy, clarity, and control.

Property is a primary citizen

Real estate is not a rounding error. We model it at institutional depth — DSCR, LVR, usable equity, yield — from day one.

Households, not individuals

Families share wealth. Ownership splits, member filtering, and read-only profile sharing are core architecture, not features bolted on later.

Zero tracking, zero ads, zero AI

No analytics, no third-party pixels, no ads against your net worth, and no machine-learning models trained on your journal. Just mathematical truth, held exclusively by you.

Your household, your vault

Built for institutions of one.

If this sounds like the app you've been looking for, it's because we built it for ourselves first.

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