WorthBook is a personal finance app that helps you track and plan your money on your phone. No bank login. No mandatory account. Your data stays on your device.
A lot of finance apps ask you to connect your bank and store everything online. WorthBook is built for people who want clarity without giving up control. You enter what matters, see your full picture in one place, and keep your records private.
Why WorthBook
Money is easier when you can see it clearly. WorthBook shows what’s coming in, what’s going out, what you owe, what others owe you, and what you’re building toward. It works especially well if you use cash, banks, e-wallets, bills, loans, and savings in everyday life.
What you can do
• Track income, expenses, transfers, and account balances
• Organize cash, bank, e-wallet, savings, credit cards, investments, loans, and Money Lent
• Set budgets and see where your money goes
• Manage bills and recurring payments
• Track loans and stay on top of repayments
• Track Money Lent, including who’s paying you back and what’s still owed
• Set savings goals and log contributions
• Monitor investments like stocks, crypto, gold, funds, MP2, and time deposits
• Check your Safe To Spend, net worth, and monthly snapshot on Home
• Use calendar views for bills, loans, Money Lent, salary, and recurring due dates
• Search across transactions, accounts, goals, bills, and more
• Work in PHP and THB for free, with more currencies available in Pro
• Lock the app with a passcode or biometrics
WorthBook Pro Lifetime
One purchase unlocks the advanced tools:
• Smart Entry with on-device AI, so you can type naturally and review drafts before saving
• Scan Receipt to turn receipts into expense drafts on your device
• Ask WorthBook for answers about your cash flow, spending, budgets, goals, and more
• Cash flow forecasts and net worth trends
• Budget rollover, flexible schedules, and deeper planning tools
• Debt Payoff Planner to see how extra payments change your timeline
• Advanced reports, including lending and savings insights
• Dashboard customization and appearance options
• Backup and Restore for moving your local data
• Achievements and Money Garden to keep good money habits going
No forced account. No bank connection needed. Just your money, your phone, and a clearer view of where you stand.
I like the interface, features and the new updates. Worth the money yung subscription! At first, I felt like some features were missing or kulang pa, but with the new updates, I really love it! The app improved a lot, and became much easier to navigate. Hopefully we can turn the accounts categories as a list din! Thankfully, we can use a calculator na when adding expenses, it’s a huge help for logging multiple expenses in one category. I also love the dashboard, organized and malinis tignan, it’s easy to see and understand your finances at glance. Excited to see what other updates are coming next!
Suggestions
gelowsA
I like the app and coming from another app this is abit better and i have a few suggestions which i think will make me decide to purchase the app: 1. Have an option to exclude a cc or other account from net worth since we sometimes monitor another cc but we dont want to affect our net worth. 2. There is a work around for this but this is nice to have: While having individual stock monitoring is great i wish it had an account per broker where we can put thos stocks like pera accounts and regular investment account. In that way the stocks are managed per broker and easier to see if the dividends are in which broker. 3. Have the option to have cuztomized grouping in the accounts under all so at least i know immediately which is mine or i am just monitoring4. I hope there is an icloud integration option so that i have have the data in my apple devices. 5. The app can support more than 2 decimal places in dividends, units. 6. Have the option to add the dividend rate per share and fees and tax including management fees in stock accountsHoping for these updates before i make the purchase. Thank you
every move needs to be on pro
OrchidGiiirl
I want to give this a try because I saw this on a tiktok user, but I'm so disappointed because even editing the transaction like I mistyped the amount or the merchant needs to be on pro, like even as simple as this? I understand building an app needs money for the developer and I also am willing to pay to apps I can sustain for a long time, but this sounds like more on your face money hungry. I like how the interface is geared towards Filipino users with its currency and banks, but other than that every move force you to be on pro and even other money apps don't do that. You don't have to force people to pay when at the free version, they can see it's worth it & they are willing to pay for that. I would have subscribed but I was so annoyed at the editing and deleting transactions that I have to type this review. Unless there are some changes, wouldn't recommend and would probably just use another app.
Developer Response
Hello! Thank you for sharing your feedback, and I’m sorry for the frustration. 🙏You might be using an outdated version of WorthBook. We’ve recently updated the app ( version 1.0.9 ), and editing and voiding transactions are now available for free users. I’d suggest updating to the latest version and giving it another try. We really appreciate your feedback and hope the updated version gives you a better experience. ❤️
Everything needs to be Pro
Binsbonggao
Simple app, easy to use, great UI. What I don't like is I feel like every move needs to be Pro user. While I get the notion that app development costs something, why you have to be on Pro and pay for a feature just to delete a transaction? Like every other apps I used didn't. So, if you accidentally entered the wrong amount or you have put in on an incorrect account and you have to delete/void transaction, you cannot and you need to make another log just to make it even.No hate to the developer, but if you really want to get more users, I suggest the basic functionalities like every tracker and finance app has should not be limited to pro users. Bru I am just trying to void an incorrect transaction, cannot even do so since I am not pro user. Might as well put the app into the paid apps section cause these kind of things are the reason why users move to other apps.
Developer Response
Thanks for the honest feedback! I really appreciate you taking the time to explain your concerns.I totally understand where you’re coming from, especially with something as basic as correcting or voiding a wrong transaction. I’ll take your suggestion seriously and consider making these basic functions more accessible to free users in future updates.Feedback like this is really helpful for me as I continue improving WorthBook. Thanks again for giving the app a chance and sharing your thoughts!
Bug Fixes
Credit Card Deals / Promos
Version 1.2.6
The developer, Louise Salas, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Not Collected
The developer does not collect any data from this app.
Privacy practices may vary based, for example, on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
Provider
Louise Salas
Size
74.3 MB
Category
Finance
Compatibility
Requires iOS 18.1 or later.
iPhone Requires iOS 18.1 or later.
iPad Requires iPadOS 18.1 or later.
Apple Vision Requires visionOS 2.1 or later.
Location
This app may use your location even when it is not open, which can decrease device battery life.
