customworth.com

What It Is

CustomWorth is a net worth tracking app for individual users. Rather than a traditional bookkeeping or budgeting tool, it is positioned as a localized “personal balance sheet.” It emphasizes 100% offline operation, with no account required, no bank login, and no user tracking. According to the page, it currently supports iPhones running iOS 17 or later; iPad support is on the roadmap, and an Android beta is in development.

Core Features and AI Angle

Based on the available content, CustomWorth does not appear to include any AI models, smart Q&A, automatic categorization, predictive analytics, or generative features. Strictly speaking, it is not an AI tool. Its core function is manual entry of assets and liabilities, including savings, investments, crypto assets, real estate, loans, and more. It also supports custom categories, notes, balance updates, and net worth snapshots. The dashboard can show total net worth, trend arrows, and a breakdown of assets and liabilities in real time.

Privacy, Data, and Integrations

Privacy is the product’s most prominent selling point. The page explicitly states that there are zero network calls, that it can be used in airplane mode, and that it has no analytics, no cookies, no user profiling, and no need to register with an email address or password. Data is stored only locally on the device, and the developer claims it cannot see user data. Backups are handled by exporting a standard JSON file from settings, which users can save themselves via email, cloud storage, or locally. It does not connect to banks, does not use Plaid, does not perform screen scraping, and does not provide information about APIs or third-party integrations.

Pricing, Pros, and Cons

Pricing is very straightforward: it is completely free, with no ads, no subscriptions, no premium tier, and no in-app purchases. Its advantages are clear privacy boundaries, ease of use, focused functionality, and exportable data, making it suitable for users who do not want to authorize third parties to access their financial accounts. The drawbacks are also obvious: all balances must be maintained manually, and there is no automatic syncing with bank or investment accounts. It also does not support budgeting, forecasting, or expense tracking, and platform coverage is limited, with the app currently aimed mainly at iPhone users.

Who It’s For and Access from China

CustomWorth is best suited to privacy-conscious individuals who are willing to update their assets and liabilities manually on a regular basis and only care about changes in net worth. It is not suitable for people who need automatic syncing across multiple accounts, complex budgeting, family sharing, or intelligent financial advice. The page does not specify access from China, and app availability will also depend on App Store region, network conditions, and local payment options. Since it is completely free, payment barriers should be relatively low. Alternatives include local bookkeeping or asset management apps, spreadsheets, or a self-built offline balance sheet.