01
Cash at hand
Record physical cash so the app can include money that is available but often missing from bank-only tracking.
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Building the foundation
A financial journal before it is a finance tool.
Networth Journal is designed to feel more like a place to write what is happening with your money than a rigid personal finance tool. The app takes notes from the user, connects them to useful numbers, and returns relevant patterns that make everyday money decisions easier to understand.
Foundational features
Start by telling the app what already exists.
The foundation is the first layer of context. Once the app understands what the user has, owes, protects, and is building toward, every note and entry can be interpreted with more meaning.
02
Bank account
Add account balances to give daily entries a clear base for income, bills, transfers, and spending movement.
03
Credit card
Track card balances and usage so borrowing, repayments, and spending pressure are visible in one place.
04
Debts
Capture what is owed, to whom, and why, so progress can be measured without losing the story behind each obligation.
05
Savings
Show money set aside for emergencies, plans, and short-term goals so growth and consistency are easier to notice.
06
Investment
Keep investments connected to the wider money picture, including what is being built slowly over time.
07
Fixed assets
Include valuable owned items such as property, equipment, or long-term assets that contribute to overall net worth.
08
Insurance
Note the protection already in place so the app understands how risk is being managed alongside money growth.
Better notes begin with better context.
When the starting point is clear, each new entry can reveal movement, pressure, progress, and patterns instead of sitting alone as another transaction.