Most couples do not want a joint everything, and most apps only offer that or nothing. NetWorth+ lets each of you keep your own ledger, share exactly what you agree to share, and still see one household picture.
A household, two people
What each of you sees
In short
NetWorth+ is a free Android app that lets couples track shared expenses and household costs while keeping separate accounts and separate privacy. Shared costs can be split evenly or by any ratio you choose — a common arrangement when incomes differ — and the balance between you is carried forward and counted in each person's own net worth. Sharing is read-only and scoped: you choose which accounts your partner can see, and you can withdraw access at any time. It requires no bank login, no joint account and no subscription.
Joint account
Not required
Sharing
Read-only, per account
Splits
Even or by any ratio
Cost
Free, no ads
The problem
The apps built for couples usually assume one of two things, and most couples are neither.
One kind assumes you have merged everything — a joint account, a joint budget, full visibility in both directions. That works for some people and is a non-starter for others, particularly where one partner has family obligations, a business, or simply a preference for privacy that is nobody else's business.
The other kind treats you as two strangers splitting a dinner bill. It tracks who owes whom and stops there, which means the balance between you sits in an app that has no idea what either of you is actually worth.
How it handles it
Sixty–forty, seventy–thirty, or fixed amounts each. Set the ratio once against a recurring cost and it holds, so the rent is not renegotiated every month.
Share a specific account or the shared-expenses view. Your salary, your savings and your personal goals stay yours unless you decide otherwise, and access is read-only and revocable.
A house deposit, a wedding, a move home. The goal is one target that both of you contribute to, held in the currency it will actually be paid in.
What your partner owes you is an asset and what you owe them is a liability. Both sides are counted, so neither of you is quietly overstating their position.
In practice
Decide the ratio for the shared things. This is the only genuinely awkward part and it takes five minutes, after which nobody has to raise it again.
Rent, groceries, utilities, the car, the nursery. Recurring ones get scheduled so they post themselves on the split you agreed.
Invite your partner and grant read-only access to the accounts you chose. Nothing else becomes visible, and you can change your mind later without a negotiation.
Do not settle to zero every week. Let it accumulate and settle when it makes sense — the running total is the useful part.
Compared
| Joint account only | A bill-splitting app | NetWorth+ | |
|---|---|---|---|
| Keep separate finances | No | Yes | Yes |
| Split by income ratio | Not applicable | Usually yes | Yes, saved per expense |
| Partner sees only what you allow | No, all of it | Only the shared list | Yes, per account, read-only |
| Balance counts toward your net worth | n/a | No | Yes |
| Shared goals in a chosen currency | Rarely | No | Yes |
| Needs a bank login or a joint account | Yes | No | No |
Bank-linked couples apps are genuinely good at automatic categorisation, and they will beat a manual-plus-SMS approach on that specific axis. The trade is credentials and a monthly fee, and this page exists for the people who do not want to make that trade.
Sharing is deliberately narrow. Granting access to one account does not reveal any other, the person you share with cannot edit your ledger, and you can revoke access without telling anyone or asking permission. That is a design decision rather than a limitation — financial visibility between two people should be something you extend on purpose, not something an app assumes.
Where this applies
Common across the Gulf, where a couple often earns in dirhams or riyals and is saving towards something priced somewhere else entirely — a flat in Kochi, a wedding in Manila, a deposit in London. Both currencies are counted, and each entry keeps the rate it happened at.
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
Splits, approvals, settlements, and how a balance becomes part of your position.
Read moreWhat sharing does and does not expose, and what the app never asks for.
Read moreWhen there are children, school fees and a card everybody uses.
Read moreThe same mechanics, applied to people you did not marry.
Read moreAn honest side-by-side, including what Splitwise does better.
Read moreIf you relocated together, start here.
Read moreSplit what is shared, keep what is not, and stop reconciling it in conversation.
Android. No bank login. No ads. Message reading is optional and off until you switch it on.