Your money, on your device — and nowhere else.
A private, local-first planning workbook. Encrypted at rest, no accounts, no servers, no tracking — just your numbers, worked out honestly.
macOS · iOS · Android · Windows & Linux to follow
Encrypted on your device
Everything lives in one encrypted database on your device. No accounts, no servers, no third parties. Your passphrase is the only key — we never see your data.
Real financial planning
Accounts, paychecks (taxes + 401k/Roth/HSA), expenses, loans with amortization and payoff dates, property equity, and net-worth projections.
Payoff vs. Invest
A month-by-month simulation of paying debt down early versus investing — after-tax, with your own marginal rate. See which loans are actually worth prepaying.
Backups & transfer, your way
Encrypted backups you control, and a single transfer file to move your vault to any device — Mac, iPhone, or Android — even a different kind.
HSA receipt shoebox
Attach, seal, and preview HSA receipts, and build reimbursement PDF packets — all encrypted at rest.
Calculators toolbox
Focused what-if tools that read from your real numbers: contribution return, investing headroom, with more on the way.
Private by design — not as a setting
Worthline collects nothing. There are no accounts to create, no servers we run, and no analytics or advertising in the app. Your data is encrypted with a key derived from your passphrase and stored only on your device. If you turn on your phone’s own backup, onlyciphertext ever leaves — and that’s your choice, with a switch in Settings.
And it’s free — every core feature, always. If Worthline is useful to you, an optional one-time Supporter unlock is a way to say thanks and fund what’s next.