One dinar is 1,000 fils. An app that forces KWD into two decimal places is discarding a real unit of money every time it stores a figure — and in the currency where a single unit buys the most of anything on earth, that is the worst place to do it. NetWorth+ stores and displays three decimals because that is what the currency has.
Why this is not a rounding quibble
What two decimals costs you in KWD
In short
NetWorth+ is a free Android personal finance app that handles the Kuwaiti dinar correctly. KWD is a three-decimal currency — one dinar divides into 1,000 fils — and NetWorth+ stores, displays, splits and converts it at three decimal places rather than forcing it into the two that most apps assume. It reads KD and KWD in bank alert messages on the device, tracks net worth across accounts, cards and loans, splits shared costs to the fils with the parts always summing to the total, and holds accounts in more than one currency with each past transaction keeping the exchange rate of its own day. No bank login is required and there is no subscription.
Currency
KWD, three decimals
Aliases read
KD, KWD
Bank login
Not required
Cost
Free, no ads
The decimals problem
Most financial software was written where money has cents, and the assumption is baked in far below the display layer.
It is usually not the label that is wrong — it is the storage. A figure rounded to two places on the way in cannot be recovered on the way out, so the loss is permanent and silent. Enter a KD 0.750 fare and get 0.75 back, and every subsequent total, split and export is a little bit wrong, in a direction nobody notices until a settle-up refuses to balance.
NetWorth+ carries the number of decimal places as a property of the currency, from 0 to 3, and applies it everywhere: input fields, displayed figures, split apportionment, CSV export and the forecast. Nothing in the app hard-codes a 2.
Divide KD 10 four ways and each share is KD 2.500. At two decimals that is not representable, so an app either drops the half-fils or hands one person a different share and hopes nobody checks. NetWorth+ apportions in whole fils by largest remainder, which means the shares always sum to the stored total exactly and nobody is more than one fils from their true share.
The dinar is the highest-valued currency in circulation. A fils is not a trivial amount in the way a cent of a weak currency is, and a hundred small roundings against a currency this strong is real money. If your app is going to be careless with a decimal place, Kuwait is the worst country to be careless in.
What else it does here
Bank and card alert messages are parsed on the device, with KD and KWD both recognised, and land in an inbox for approval. Optional, off until you turn it on, and the text never leaves your phone.
A transfer between a KWD account and one in rupees, pesos, taka or anything else — recorded at the rate you actually got from the exchange, not at a mid-market rate you were never offered.
Rent, electricity and a bill somebody always fronts, split to the fils and carried as a running balance rather than settled to zero every week.
Statement day, grace period, minimum due and the credit you actually have left — not a spending category with a limit written next to it.
Ninety days of daily balance projection and a multi-year outlook, computed on the phone. No aggregator reaches Kuwaiti banks, so this is the only route to one.
Most people here are not staying forever. Set a reporting currency you will actually spend in and track the position that matters when you leave.
There is no bank aggregator with meaningful Kuwaiti coverage, which is why the well-known forecasting and net worth apps simply do not function here. NetWorth+ takes the other route: no credentials, no aggregator, no third party in your banking relationship. Transactions arrive from the alert messages your bank already sends, from a scanned receipt, from a CSV export, or from you typing them — and everything the app computes, it computes on your phone.
Where this applies
Kuwait is one of six Gulf markets covered, and the three-decimal handling applies identically to Bahrain and Oman.
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 wider Gulf picture and how the three-decimal dinars are handled.
Read moreBD, three decimals, and a week spent in two currencies.
Read moreRO and baisa, and a longer expat horizon.
Read moreWhat you sent, at the rate you actually got.
Read moreWhy balances and transactions convert at different rates, and why it matters.
Read moreSafe to spend, the lowest day, and runway — without a bank feed.
Read moreFree on Android. Net worth, budgets and shared costs in KWD, with nothing rounded away.
Android. No bank login. No ads. Message reading is optional and off until you switch it on.