A ledger, not a feed
Balances are dated entries you make, not a live sync. That means the history is yours, it does not silently rewrite itself, and a month you recorded three years ago still reads the way you recorded it.
About
A net worth tracker for people who do not want a budgeting app.
WorthSync is a snapshot-based net worth ledger for individuals and households. You record what your accounts are worth on the dates you choose, and it keeps the whole history — then derives your trends, goals, debt payoff, and long-range planning from that one source.
Why it works this way
Most personal-finance software is built around transactions: connect your banks, categorize the spending, watch a budget. That is a real problem worth solving, and it is not the one WorthSync solves. Plenty of people already know roughly where their money goes and want to answer a different question — is the overall picture moving in the right direction, and will it get us where we are going?
Answering that well needs a clean, dated history far more than it needs a live feed. So WorthSync is built as a temporal ledger. Because the dates are yours rather than calendar month-ends, the period maths picks the snapshot closest to each boundary instead of assuming one entry per month — which is what keeps a trend line honest when real life means you logged March on the 2nd of April.
Who builds it
WorthSync is operated by Hallows Group LLC. It is a small, independent software effort rather than a venture-funded platform, which is the main reason the roadmap is shaped by the people using it instead of by a growth target.
Support and product questions both go to support@worthsync.com, and the contact page lists the rest.
How to check our arithmetic
Every number the product shows is derived, and we think you should be able to see how. The how the numbers work page documents the methodology in full: how periods are normalized, how estimated balances are distinguished from ones you confirmed, what assumptions the projection and FIRE engines make, when an account is eligible for benchmark comparison, and the vintage and limits of the percentile cohort data.
WorthSync is an informational tool. It is not financial, investment, tax, or legal advice — see the disclaimer.
What we hold to
No bank credentials, ever
There is no Plaid or MX aggregation in WorthSync. We never ask for, receive, or hold banking logins, because the safest place for a credential we do not need is nowhere near us.
Encrypted, and enforced in the database
Financial values are encrypted at the field level, and access rules live in Postgres row-level security rather than in application code — so a bug in a route cannot hand you someone else's ledger.
Sharing you control per account
Each account is private, shared read-only, or shared full-access with your household. Joint finances are rarely all-or-nothing, and the software should not pretend otherwise.
We are not selling you management
WorthSync makes money from subscriptions. There is no advisory arm, no referral desk, and nothing in the product is a funnel toward someone managing your money.
Your data leaves whenever you want
Full CSV and JSON export is on every plan, including the free one, and there is a public REST API on paid plans. Lock-in is not a retention strategy we are willing to use.