Everything the app captures for you — a bank alert read on your phone, a scanned receipt, a CSV row, a friend naming you as payer — lands in the Financial Inbox as pending. It is not money until you say it is. One tap approves, one tap discards, and nothing moves a balance in between.
Everything arrives the same way
What lands in the Inbox
In short
The Financial Inbox is where every transaction NetWorth+ captures on your behalf waits for approval before it becomes part of your ledger. Bank alert messages read on the device, receipts scanned with on-device text recognition, rows from an imported CSV, and shared expenses a friend recorded naming you as payer all arrive with a pending status. A pending transaction never moves a balance, never appears in totals and never enters analytics; only a confirmed one counts as money. You approve, edit or discard each row, or handle them in bulk. Alongside the Inbox, NetWorth+ provides balance reconciliation that books a visible correction row rather than rewriting your opening balance, full backup and restore to a file you hold, CSV export, read-only account sharing that the other person can never write to, and amount hiding for use in public.
Default state of a capture
Pending, never money
Bulk approve
Yes, with the same rules
Export
CSV and full backup file
Cost
Free, no ads
Why it exists
An app that writes straight to your balance is asking you to accept whatever its parser made of a text message.
Bank alert messages are not a structured feed. They are marketing-department prose that changes without notice, in a dozen formats per country, sometimes with the merchant abbreviated past recognition and sometimes with the amount and the available balance in the same sentence. A parser will get most of them right and some of them wrong.
The question is what happens to the ones it gets wrong. If capture writes directly to the ledger, they become silent errors you find weeks later in a total that does not reconcile. If capture writes a pending row, they become a thing you glance at and discard in one tap.
This is the rule the whole app is built on: only a confirmed transaction counts. Balances, income and expense totals, budgets, analytics and the forecast all skip anything that is not confirmed. A pending row is visible and editable and completely inert — it cannot move a figure by accident, because every reader guards against it.
A captured row arrives with whatever the parser could extract. In the Inbox you can correct the merchant, set the right category, point it at a different account, or split it — before any of it is committed. Approving is the moment you take responsibility for the row, and until then the app has made no claim about your money.
Staying in control
When the ledger and your real balance differ, NetWorth+ books the gap as a dated, categorisable row you can see and delete — not as an edit to your opening balance, which would silently restate every past day and quietly change your chart.
A full backup written to a file you keep, and a restore that puts it back. Not a cloud-only account you cannot get out of — a file, on your device or wherever you choose to move it.
One toggle masks every figure on screen for looking at the app on a bus or handing your phone to someone. Input fields are never masked, because typing into a row of dots is how bad data gets entered.
Share a specific account with a partner or family member. They can see it and can never write to it, you choose whether it counts toward your net worth, and you can withdraw access at any time.
How a capture becomes a transaction
A bank alert is read on the device, a receipt is scanned, a CSV row is mapped, or a friend records a shared expense naming you as payer.
Amount, date, account and a best guess at the merchant and category. The row is visible immediately and affects nothing at all.
Fix the merchant, choose the category, point it at the right account, split it if it was shared. Or discard it in one tap if the parser was wrong or the message was a duplicate.
Now it is money. It moves the balance, enters your totals, counts toward budgets, and feeds the forecast. Not a moment before.
On Android, reading bank alert messages is optional and off until you switch it on. Only messages from bank and business senders are examined — messages from personal numbers are skipped before anything is read. The text is processed on the device, is never uploaded to our servers, and is never shared with anyone. You can withdraw the permission at any time, and the feature simply stops. There is no equivalent on iOS, because the platform provides no way to read messages, and we will not claim one.
Your data
An app that holds years of your financial history and makes leaving difficult has a business model you should be suspicious of. NetWorth+ has neither ads nor a subscription, so it has no reason to hold your data hostage.
Restoring a backup is deliberately careful: writes are batched and chunked so a ledger of any size restores completely rather than half-landing, which is the failure mode that makes a backup worse than none at all.
Where this applies
Bank alert formats differ by country and issuer, and the parser is written per region. The approval step is the same everywhere, and it is what makes a regional parser safe to ship.
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
How the reading works, what is examined and what is skipped, and why it is off by default.
Read moreNo bank logins, no ads, no data sold, and exactly what is stored.
Read moreWhat a clean, approved ledger lets the app tell you about the next 90 days.
Read moreWhy no credentials, no aggregator and no Plaid is a feature rather than a limitation.
Read moreSplitting, settling, and how the balance lands in your own ledger.
Read moreQuestions about a capture that did not arrive, or a backup that will not restore.
Read moreFree on Android. Capture is optional, approval is not, and your ledger only ever contains what you put in it.
Android. No bank login. No ads. Message reading is optional and off until you switch it on.