WorthSync
WorthSync is a personal net-worth and asset-tracking application with first-class household sharing. You record point-in-time balances for every account you own — checking, savings, brokerage, retirement, real estate, mortgages, credit cards, loans — and WorthSync turns that ledger into trends, period-over-period deltas, debt-payoff plans, retirement projections, and shareable household views.
It’s a Progressive Web App built on Next.js, wrapped for iOS and Android with Capacitor, so the same product runs in the browser, installed to a home screen, or shipped through the app stores.
What it does
- Temporal ledger of balances. Every account has a history of user-dated
snapshots (
account, date, balance). All analytics derive from this one table — nothing is assumed to be monthly, so you can record balances whenever you like. - Multi-view net worth. A single global toggle switches between My Net Worth, Shared Net Worth, and Combined, driven by per-account visibility flags.
- Dashboard analytics. Period-delta KPIs, sparklines, top movers, allocation breakdowns, a savings-rate split, and dismissible insights.
- Debt Center. Avalanche/snowball payoff simulation with real rollover math and 0%-promo “tranche” modeling.
- Planning hub. Net-worth projection, a FIRE calculator, and a retirement / Social Security income planner (including couples).
- Households. Invite a partner or family member by email or join code, choose what each account shares, and collaborate with a household activity feed (comments + reactions) and shared goals.
- Exports. CSV, formatted PDF reports, and an annual tax summary.
- Reminders & recaps. Scheduled email/push snapshot reminders and a monthly recap email.
- Security by default. Field-level encryption for money/PII, Postgres Row-Level Security, and encryption at rest.
Who it’s for
| Audience | What they get |
|---|---|
| Individuals | A private, encrypted place to track total net worth over time without linking bank credentials. |
| Couples & families | Shared household views with granular per-account visibility and a collaborative activity feed. |
| FIRE / planning enthusiasts | Projection, FIRE, and retirement-income tooling built on real balance history. |
| Developers & contributors | A modern, well-tested Next.js + Postgres codebase with RLS, field-level encryption, and Stripe billing. |
Primary use cases
- Monthly net-worth check-in — record balances, watch the trend line.
- Debt payoff planning — model avalanche vs. snowball with promo rates.
- Retirement readiness — project forward and pressure-test withdrawal plans.
- Family finances — a shared, privacy-respecting household picture.
How this documentation is organized
Head straight to what you need:
Links & support: the marketing site is worthsync.com and the app runs at app.worthsync.com. For help, email support@worthsync.com.