Empower needs a US phone number. Monarch links US institutions. Kubera and PopaDex will hold an AED figure but expect you to keep it current by hand. Meanwhile the apps that do work here are expense trackers — they tell you what you spent and have no concept of what you are worth.
What a Gulf net worth actually contains
The parts most apps drop
In short
A net worth tracker records what you own and what you owe and reports the difference. Most of the well-known ones are built around US or UK bank aggregation: Empower requires a valid US phone number and links only US institutions, Monarch is US-focused, and Kubera and PopaDex support international holdings but rely on manual entry or limited connections outside their core markets. In the UAE that leaves expense trackers, which model spending rather than position. NetWorth+ is an Android app built for this case: accounts in AED alongside a home currency, credit cards on their real statement cycles, loans on a proper amortisation schedule, and balances owed between friends counted as assets and liabilities. It requires no bank login, works across the Gulf and beyond, and is free.
Bank login
Not required
Currencies
Every account in its own, one reporting total
Liabilities
Cards, loans, EMIs, money owed
Cost
Free, no ads
Why the famous ones do not work here
This matters because it means waiting for them to add the Gulf is not a plan.
Empower's aggregation is free because it is a lead magnet for a wealth management business charging a percentage of assets. That business is licensed in the United States, is sold to United States residents, and identifies its users by a United States phone number. The app is not missing a Dubai feature; the whole commercial logic of it stops at the border.
The same is broadly true of the other free-because-aggregated tools. None of them can serve a UAE resident, and none of them has a reason to start.
The first is the expense tracker — FinArt, Expensly, Monee, Pocket Clear. Some of them are genuinely good at what they do, and what they do is categorise spending against a budget. None of them models a liability. Ask any of them what you are worth and there is no answer, because the question is not in the product.
The second is the manual wealth tracker — Kubera, PopaDex. These will hold an AED number and a property valuation, and they are honest about being ledgers you maintain. They are also priced as wealth tools, and they do not model a credit card cycle, an EMI schedule, or the money your flatmate owes you for the DEWA bill.
What is missing is a tracker that treats a Gulf salary, a card in AED, a loan back home, and four people splitting a villa as parts of one position. That is the app NetWorth+ is trying to be.
What is different here
You earn in dirhams and save somewhere else. Each account stays in its own currency and every past transfer keeps the rate you actually got, so what you sent home last March is still what it was worth in March.
Villa shares, bedspace, a bill one person always fronts. Splitting apps track who owes whom in a separate app; here the balance is an asset or a liability inside your own figure.
Most people here leave eventually. A net worth held in the currency you will actually spend it in, with a projection you can run against a date, is a different tool from one denominated in the country you happen to be working in.
Your bank already texts you every transaction. On Android those alerts can be read on the device and dropped into an inbox for approval, which gets you most of the automation without any credentials changing hands.
Compared
| Net worth | Liabilities | Multi-currency | Works in UAE | Price | |
|---|---|---|---|---|---|
| Empower | Yes | Partly | USD | No — US phone required | Free |
| Monarch | Yes | Partly | Limited | No | Subscription |
| Kubera | Yes | Manual | Yes | Yes, manual | Subscription |
| PopaDex | Yes | Manual | Yes | Yes, manual | Free tier, paid |
| FinArt | No | No | Yes | Yes | Freemium |
| Pocket Clear | No | No | Yes | Yes | Free / paid Pro |
| Splitwise | No | No | Partly | Yes | Free / paid Pro |
| NetWorth+ | Yes | Cards, loans, EMIs, shared balances | Yes, per-transaction rates | Yes | Free |
Compiled from publicly available product pages and documentation in 2026. Products change; verify current terms before choosing. NetWorth+ is Android only.
Money you split with friends lands in your actual net worth. Splitwise knows what your flatmate owes you and has no idea what you are worth. A net worth app knows what you are worth and has no idea about your flatmate. If you are sharing a villa, fronting the annual DEWA deposit, or running a group holiday, that balance is real money and it belongs on your balance sheet rather than in a second app you check separately.
Setting it up
Salary account, cash, cards with their limits and statement days, any loan, and the account back home. An opening balance is itself a net worth, so the figure is right from the first minute.
Gold, a property, a car, a chit fund, an investment account. Entered at a value you state, and left alone unless you revalue it — the app will not invent a market price for your flat.
On Android, bank alert messages can be read on the device and queued for approval. It is optional, off by default, and the rest of the app works identically without it.
Usually AED while you are here. Switching it later converts your history at each month's own rate rather than restating everything at today's, so the chart does not change shape when you change the unit.
Where this applies
The same argument applies across the Gulf, where aggregator coverage is equally thin and the expat currency problem is identical.
NetWorth+ also covers India, Singapore, Malaysia, the Philippines, Thailand, Vietnam, the United Kingdom and the United States. Currency handling is not limited to the list above — three-decimal dinars and zero-decimal currencies are treated correctly rather than being forced into two decimal places.
Questions
Keep reading
Dhs and AED alerts, salary here, savings home — the full regional page.
Read moreThe same market, judged on spending rather than position.
Read moreHow the figure is built, and what is counted on each side of it.
Read moreWhere that figure goes over the next 90 days and the next five years.
Read moreRent, DEWA and groceries split without a spreadsheet.
Read moreGet today's number in the browser before installing anything.
Read moreFree on Android. Built for a salary in one country and a life in two.
Android. No bank login. No ads. Message reading is optional and off until you switch it on.