planwithzenAssets
Organize cash, investments, property, and other items of value using the information you provide.
A practical net-worth tracker for iPhone
See what you own and what you owe in one place.
Bring assets and liabilities together, review your current net worth, and connect that number with your budget, debt, accessible savings, and financial goals.
Coming soon on theApp Store
Explore Net Worth Features Self-directed financial planning tools for educational purposes only. Not financial, investment, tax, or legal advice.
What you own and what you oweAssets and debts together, and the difference between them.
A score from six measuresFinancial health, with every measure shown separately.
A safety net you can sizeHow many months accessible savings could cover essential spending.
A useful starting point
Net worth is one part of financial health.
Net worth shows the difference between assets and liabilities. It can be positive, zero, or negative—and it does not by itself describe income stability, liquidity, spending needs, or whether a particular decision is appropriate.
Assets − liabilities = estimated net worth
Liabilities
Bring credit cards, consumer loans, mortgages, and other debts into the same picture.
Accessible savings
Estimate how long selected accessible savings could cover the essential monthly expenses you identify.
Net worth for real life
The one number that holds everything else.
Net worth is what you own less what you owe — a single figure that moves when a balance changes, a goal funds, or a debt clears. Financial health puts six measures behind it so the number is explainable.
Record both sides
Assets and debts together, and the difference between them.
Understand the score
Six measures across money left over, what you owe, and what you can fall back on.
Size your safety net
How many months accessible savings could cover essential spending.
How net-worth tracking works
Create a current financial snapshot.
Add assets
Enter the current values of the cash, investments, property, and other assets you want included.
Add liabilities
Enter the balances of credit cards, loans, mortgages, and other debts.
Review and update
View the resulting snapshot and update balances as your information changes.
Values are estimates: The displayed result depends on the completeness, timing, and accuracy of the balances and values provided. Market values and lender balances can change.
Net worth features
One number, and the six behind it.
What you own and owe
- Assets and debts recorded together.
- Net worth as the difference between them.
- Optional account connections keep balances current. Momentum
A financial health score
- A score and a band, from six measures.
- Money left over, what you owe, what you can fall back on.
- Each measure shown separately, with what it costs you.
Your safety net, sized
- Accessible and near-accessible savings kept apart.
- How many months they could cover essential spending.
- Updated as balances change.
Month by month
- Today’s position on Free, always.
- Six months of history behind it. Momentum
- What changed in what you own and what you owe. Momentum
Simple pricing
Start free. Build Momentum when you’re ready.
Free gives you a complete financial picture and practical plans. Momentum helps you keep those plans current and see how they change over time.
Free
$0
Understand where you stand and build your first plans.
- Track income, expenses, assets, and debts manually.
- Build a budget for this month and next month.
- Create a highest-interest-rate-first consumer debt plan.
- Manage two financial goals.
- View net worth, financial health, and accessible-savings coverage.
- Add four custom categories.
Coming soon on theApp Store
No subscription or bank connection required.
Momentum
$9.99 / month
Work your plans month after month and watch your progress.
- Everything in Free
- Connect eligible financial accounts through Plaid.
- Compare three consumer-debt payoff approaches.
- Build a mortgage-payoff plan.
- Manage up to ten goals and custom categories.
- View six months of financial history and deeper analysis.
Coming soon on theApp Store
Renews monthly until canceled. Manage or cancel through Apple ID settings.
Compare Free and Momentum features
| Capability | Free | Momentum |
|---|---|---|
| Manual financial tracking | ✓ | ✓ |
| Plaid account connections | — | ✓ |
| Monthly budget | 2 months | 6 months |
| Actual-versus-budget comparison | — | ✓ |
| Consumer debt payoff approaches | Highest interest first | 3 approaches |
| Mortgage-payoff plan | — | ✓ |
| Active financial goals | 2 | 10 |
| Custom categories | 4 | 10 |
| Current net worth and health score | ✓ | ✓ |
| Financial history | — | 6 months |
Net worth questions, clearly answered
What your net-worth number does—and does not—mean
How is net worth calculated?
Estimated net worth equals the total value of included assets minus the total balance of included liabilities.
Does a high net worth mean my finances are healthy?
Not necessarily. Net worth does not show whether assets are accessible, income is stable, essential expenses are covered, or debt payments are manageable. planwithzen presents it with other financial-health information for context.
Can I use the tracker without connecting accounts?
Yes. Free supports manual entry. Optional eligible account connections through Plaid are available with Momentum.
How often should I update the values?
Update them when balances or values materially change. Manually entered information remains useful only when you keep it current.
Coming to iPhone
See what you own and what you owe in one place.
Record assets and debts, watch net worth change month to month, and connect the total to your budget, debt payoff, and financial goals.
Coming soon on theApp Store
Related planning tools
Where the rest of the plan shows up.
Your financial picture, brought together.
planwithzen is coming soon to iPhone.