Families & households

A household spends in term dates, not months.

School fees land three times a year. The tenancy renews once. Ramadan and the summer trip are not ordinary months. NetWorth+ holds a household's real rhythm instead of pretending every month is the same size.

Termly and annual costsShared, with limitsNo bank login

A household year

The lumps that matter

  • School fees, three termsKnown in advance, still a shock
  • Rent, one to four chequesScheduled, not remembered
  • Summer travel homeAnnual, and always underestimated
  • Everything elseThe part budgets usually focus on

In short

NetWorth+ is a free Android app for tracking household money. It handles costs that arrive on a term or annual rhythm — school fees, rent cheques, insurance renewals, annual travel — alongside everyday spending, so a household budget is not built on the false assumption that every month costs the same. Two adults can each keep their own ledger and share specific accounts read-only rather than merging everything. It works across the UAE, Saudi Arabia, Qatar, Kuwait, Bahrain, Oman and India, requires no bank login, and costs nothing.

Rhythm

Monthly, termly and annual

Sharing

Read-only, per account

Currencies

Household and home country

Cost

Free, no ads

The problem

Monthly budgets break on a school fee

A household in Dubai, Riyadh or Doha has a spending shape that a monthly budget cannot describe.

Three or four months a year cost dramatically more than the others, and they are entirely predictable: a term's fees, the rent cheque, the car insurance, the visa renewals, the flights in July. A budget that divides annual income by twelve reports a crisis in those months and a surplus in the rest, and neither reading is useful.

Add two adults with two accounts, a domestic worker paid in cash, a card that both parents use, and money going to parents in another country, and the household ledger has more moving parts than most small businesses.

What a household needs from a tracker

  • Large known costs visible months before they arrive, not the week they land
  • A way for two adults to see the shared picture without merging their private accounts
  • Categories that match how a family actually spends rather than generic ones
  • One figure that includes the savings, the debt and what is owed between people

How it handles it

Built for the uneven year

Big costs, scheduled early

Term fees, rent cheques and renewals go in as scheduled payments on the dates they are actually due, so they appear in the forecast while there is still time to do something about it.

Categories that fit a family

Custom categories for school, nursery, domestic help, medical, and whatever else your household actually spends on, instead of forcing everything into a generic list.

Shared, but not merged

Each adult keeps their own ledger and shares specific accounts read-only. The household view is built from what you both choose to contribute to it.

Amounts hidden when needed

Balances can be hidden on screen, which matters when the app is open in a room with children, colleagues or anyone else who does not need the figures.

In practice

Setting up a household in an evening

1

Put the known year in first

Every fee date, every renewal, every cheque. Do this before touching day-to-day spending — it is the part that changes the picture most.

2

Decide what is shared

The joint costs and the accounts they come from. Personal accounts stay personal unless there is a reason otherwise.

3

Turn on alert capture

Supermarket cards, fuel, the school payment. They arrive on the phone and go into the Financial Inbox for approval rather than needing to be typed.

4

Look at the year, not the month

A household is only legible over twelve months. The reports are built for that, and the December view of the year is where the useful conversations happen.

The trick that makes term fees survivable

Treat the next fee instalment as a savings goal with a monthly contribution rather than as a bill you will find the money for in September. The app will show the goal filling while the bank balance looks unremarkable, which is the correct way round — and the money is already there when the invoice arrives.

Where this applies

Across the Gulf, and beyond it

Household economics differ across the Gulf in the details — school fee cycles and tenancy contracts in Dubai, Abu Dhabi and Sharjah, the school year and housing allowance structure in Riyadh, Jeddah and Dammam, and their equivalents in Doha, Kuwait City, Manama and Muscat — and the app reads the local currency and bank alert formats in each.

United Arab EmiratesAED Dubai, Abu Dhabi, Sharjah, Ajman, Ras Al Khaimah, Fujairah, Umm Al Quwain Saudi ArabiaSAR Riyadh, Jeddah, Dammam, Khobar, Mecca, Medina, Jubail, Yanbu QatarQAR Doha, Al Rayyan, Al Wakrah, Lusail KuwaitKWD Kuwait City, Hawalli, Salmiya, Ahmadi BahrainBHD Manama, Riffa, Muharraq, Isa Town OmanOMR Muscat, Salalah, Sohar, Nizwa

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

Good to know

Can both parents use it on the same household?
Each adult has their own ledger and shares specific accounts read-only with the other. That gives a shared household picture without either person having to hand over full access to everything they own.
How do we handle a domestic worker paid in cash?
As a scheduled payment from a cash account. It is a fixed monthly obligation like any other, and having it in the record means it is included in the household total rather than being a recurring surprise.
Can children have access?
There is no separate child account or parental-control mode. NetWorth+ is intended for people aged eighteen and over, and the practical approach is to show a child the parts of it you want to show them rather than giving them the app.
We send money to parents overseas every month. Where does that sit?
As a transfer if it remains your money in some form, or as an expense in its own category if it is support you are giving. Either way the rate on the day is recorded, so the amount is not silently restated later.
Does it handle school fees paid in instalments?
Yes, as scheduled payments on the dates they are due. Treating the next instalment as a savings goal in parallel is the approach most households find changes the outcome.
Is our household data private?
There are no advertisements and no advertising SDKs in the app, nothing is sold, and it never connects to a bank. If message reading is switched on, the text is processed on the phone and is not uploaded, and the permission can be withdrawn.

Keep reading

Where else this fits

Couples and partners

The two-adult mechanics, in more detail.

Read more

Budgets and goals

Limits that hold, and goals that draw from real money.

Read more

Sending money home

When part of the household budget crosses a border monthly.

Read more

Multiple credit cards

The card everybody uses, tracked as the liability it is.

Read more

Money tracking in the UAE

Dirham alerts, tenancy cheques and school terms.

Read more

Loan and EMI borrowers

Where a household's fixed obligations add up.

Read more

See the year, not just the month

Fees, cheques and renewals in view long before they land — and one figure for the household behind them.

Get it on Google Play See all features

Android. No bank login. No ads. Message reading is optional and off until you switch it on.