Somebody fronts the rent cheque. Somebody else pays DEWA. The groceries are whoever went to Lulu last. NetWorth+ keeps the running score, and the money you are owed shows up in your own net worth instead of a separate app you both forget to open.
A month in a shared flat
What the ledger holds
In short
NetWorth+ is a free Android app for tracking money between flatmates. You log the rent cheque, the utility bill and the grocery run once; it works out each person's share, keeps a running balance, and — unlike a dedicated bill-splitting app — folds what you are owed into your own net worth figure as an asset. It never asks for a bank login. In the UAE, Saudi Arabia, Qatar, Kuwait, Bahrain and Oman it can read your bank's alert SMS on the phone, with your permission, so the amounts fill themselves in. Message text is processed on the device and is not uploaded.
Platform
Android 8.0+
Cost
Free, no ads
Bank login
Never required
Group size
No cap on flatmates
The problem
A splitting app built for holiday trips assumes everybody pays a bit, all the time. A shared flat in Dubai or Riyadh does not work like that.
Rent lands as one or two or four cheques a year, usually from whoever has the strongest bank position — and that person then carries five figures of everyone else's money for months. Utilities arrive monthly in one name. The internet contract is in a third name because that person had the Emirates ID appointment first. Groceries are chaotic. The cleaner is cash.
By month three, nobody can reconstruct it. The group chat has become the ledger, and the group chat is a terrible ledger.
How it handles it
The person in the master bedroom pays more than the person in the partition. Set the share once, by percentage or by fixed amount, and it holds for every future entry on that expense.
DEWA, du, the cleaner, the water delivery. Set it up as a scheduled payment on the split you agreed and it posts itself each cycle instead of being argued about each cycle.
AED 3,150 owed to you by three flatmates is an asset. NetWorth+ carries it into your net worth, so your total reflects money that exists but has not come back yet.
Share the shared-expense view with your flatmates and nothing else. Your salary, your savings goal and your own accounts stay private. Access is read-only and you can withdraw it.
In practice
One group for the flat. Flatmates do not need to install anything for you to track what they owe — though it works better when they do, because then they approve their own share.
One entry, the full amount, split the way you agreed. The app carries the balance forward instead of asking you to re-divide it every month.
Turn on bank SMS capture and the DEWA debit or the card swipe at the supermarket arrives in your Financial Inbox already carrying the amount, date and merchant. You tag the split and approve.
Record the transfer and both sides of the balance move. What is left over stays visible — in the group, and in your own net worth.
Compared
| Group chat + notes app | A bill-splitting app | NetWorth+ | |
|---|---|---|---|
| Uneven shares by room | Manual, every time | Yes | Yes, saved per expense |
| Recurring monthly bills | Re-typed each month | Usually manual | Scheduled, posts itself |
| Amounts filled from bank alerts | No | No | Yes, on device, you approve |
| Multi-currency (you pay AED, they repay in INR) | No | Sometimes, at today's rate | Yes, rate recorded on the day |
| What you are owed counts toward net worth | No | No | Yes |
| Your own salary and savings stay private | n/a | n/a | Yes, sharing is scoped and read-only |
| Needs a bank login | No | No | No, never |
Bill-splitting apps are good at splitting. The gap this fills is what happens next: the balance sitting in that app is money, and until it is counted, your own picture is wrong by exactly that amount.
NetWorth+ does not move money. It will not pay your flatmate, settle a balance through a bank transfer, or connect to your account to check whether they actually sent it — you record the settlement yourself once it lands. It is not a rent collection service and it does not run credit checks on anybody. It is a record, kept accurately.
Where this applies
Shared accommodation is the normal way to live in the Gulf, and the mechanics change street by street: annual cheques in Dubai, a DEWA account in one name in Sharjah, an electricity bill split six ways in Riyadh, a compound villa in Al Khobar, a flat share in Doha or Manama. NetWorth+ reads the local currency and the local bank alert formats in each of these markets.
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
The mechanics: splits, approvals, settlements, and how a balance becomes part of your own position.
Read moreAn honest side-by-side, including the things Splitwise does better.
Read moreDirham alerts, a salary here and savings somewhere else, and the forms UAE banks actually send.
Read moreThe first ninety days, when every single thing is a deposit.
Read moreWhat you sent, at the rate you actually got, not the rate on the board today.
Read moreWork out a split in the browser first. No sign-up, nothing stored.
Read moreOne ledger for the flat, one figure for you, and a record that still makes sense when somebody moves out.
Android. No bank login. No ads. Message reading is optional and off until you switch it on.