A UAE salary account, an NRE or NRO account back home, a plot your father is minding, gold from your wedding. Most of that never makes it into any app, so the honest answer to 'what am I actually worth' stays a guess. NetWorth+ holds all of it as one figure, in the currencies it actually exists in.
What actually counts
Two countries, one you
In short
NetWorth+ is a free Android app that holds your UAE finances and your India finances as one figure instead of two separate guesses. Salary and spending in dirhams, savings in an NRE or NRO account, property and gold back home, and whatever you send to family each month all count toward the same net worth, each in the currency it actually exists in and converted at the rate on the day. Sending money home is recorded as a transfer, not spending, so a generous remittance month does not make your own progress look like a crisis. Nothing here requires a bank login on either side, in either country.
Currencies
AED and INR together
Remittances
Recorded as transfers, not spending
Assets counted
Property, gold, accounts, investments
Bank login
Never required, either country
The problem
One phone, two financial lives, and no single place either of them adds up.
The UAE side is usually the tracked half: a salary account, a card, maybe a budgeting app that only knows dirhams. The India side is the untracked half: an NRE or NRO balance you check twice a year, an FD your parents manage on your behalf, a plot in your hometown nobody has valued since it was bought, gold sitting in a locker from your own wedding or your mother's. None of it is hidden exactly, it is just never added up in one place.
So the honest number, what are you actually worth right now, across everything, stays a guess most people round down out of caution and round up out of hope, and never actually calculate.
How it handles it
Every account is held in its own currency and converted at the rate on the day it moved, not restated every time the exchange rate changes.
Sending money home moves it between your own accounts. It is not spending, so your net worth does not fall every time you support your family.
Value them yourself and update whenever you have a reason to. They count toward your total the same as a bank balance does.
UAE bank alerts can be read on the device with permission, and the text never leaves it. Nothing is uploaded, nothing is a bank login.
In practice
UAE salary and savings, NRE or NRO accounts, and cash a relative might be holding for you if that applies. Each stays in its real currency.
A rough, honest estimate beats a precise number you will never bother entering. Update it once or twice a year, not every week.
When money moves to India, log what left and what arrived. The rate that day is captured and never quietly rewritten later.
Card swipes and salary credits start filling themselves in for approval, which is the part most people give up on doing manually within a month.
Reference
| What gets forgotten | Why it matters | Where it goes in NetWorth+ |
|---|---|---|
| An FD your parents manage on your behalf | It is still your money, wherever the passbook sits | An asset, updated when you know the balance |
| Gold from a wedding, yours or your mother's | A real store of value in most Indian households | A physical asset, valued at your own estimate |
| A plot or flat back home | Often the single largest asset an NRI holds | A property asset, revalued whenever there is a reason to |
| EPF or NPS from a job held before moving | Still yours, and still growing | An asset or account, updated periodically |
| Chit funds or informal family lending | Common, and invisible to any bank-linked app by design | A manual entry, which is exactly what this app is built for |
This is a way to organise your own record, not tax, FEMA or investment advice. What counts as your asset legally is a question for a professional; what you choose to track here is entirely up to you.
NetWorth+ does not calculate NRI tax residency, does not handle FEMA or repatriation rules, and does not connect to any Indian or UAE bank account. It is a private ledger you control, not a tax adviser or a remittance provider, and nothing you enter is reported anywhere.
Where this applies
The specifics change by emirate and by state back home, DEWA in Dubai, ADDC in Abu Dhabi, an NRE account with one bank or another, a family property in Kerala, Punjab or anywhere else, but the arithmetic is the same everywhere: two currencies, converted honestly, added into one number.
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 of a remittance as a transfer, not an expense, in more depth.
Read moreIf the plot or flat back home is the part you most need counted properly.
Read moreRupee alerts, lakh and crore grouping, for the India side specifically.
Read moreDirham alerts and the UAE side of the same picture.
Read moreWhy the rate is frozen on the day, and what that protects you from.
Read moreA rough net worth figure in the browser, before you install anything.
Read moreDirhams, rupees, property and gold, counted honestly and added up properly.
Android. No bank login. No ads. Message reading is optional and off until you switch it on.