Almost every price in Oman is written with three decimals, because that is how the currency divides. Software written where money has cents rounds it to two on the way in, and the loss is permanent — RO 4.250 becomes 4.25 and nobody is told.
Baisa, kept
Where the third decimal actually matters
In short
NetWorth+ is a free Android personal finance app that handles the Omani rial correctly. OMR is a three-decimal currency — one rial divides into 1,000 baisa — and NetWorth+ stores, displays, splits, exports and forecasts it at three decimal places rather than forcing it into two. It reads RO and OMR in bank alert messages on the device, tracks net worth across accounts, credit cards and loans, holds accounts in more than one currency with each transaction keeping the rate of its own day, and splits shared costs in whole baisa so the parts always sum to the total. No bank login is required and there is no subscription.
Currency
OMR, three decimals
Aliases read
RO, OMR
Bank login
Not required
Cost
Free, no ads
The decimals problem
A display bug you can spot. A storage bug you cannot, because the information is gone by the time anything is shown.
Most financial software was written where a unit of money has a hundred parts, and the assumption sits well below the display layer. Enter RO 4.250 into an app built that way and it stores 4.25. There is no error, no warning, and no route back — the 5 baisa is simply not in the file any more.
By itself that is trivial. Multiplied by every transaction in a year, and then divided among three people, it stops being trivial: totals that do not reconcile against a bank statement, and settle-ups that come out a few baisa short with no explanation anyone can find.
From zero to three, applied everywhere: input fields, displayed figures, split apportionment, CSV export and the forecast. The Japanese yen gets none, the dirham gets two, the rial gets three, and nothing in the app hard-codes an assumption about which.
Divide RO 10 three ways and the honest answer is 3.334, 3.333 and 3.333. NetWorth+ apportions in whole baisa by largest remainder, so the shares always sum to the stored total exactly and nobody is more than one baisa from their true share. An app rounding to two decimals cannot express that split at all.
What else it does here
RO and OMR both recognised. Parsed on the device, only bank and business senders examined, and nothing recorded until you approve it.
Daily net worth snapshots that are never rewritten after the fact. A past day is immutable, so your chart is a record rather than a recalculation.
A schedule terminates when the balance clears, not when an instalment count runs out — because real repayment drifts from the projected tenure.
Recorded at the rate you actually received, stamped permanently, so ten years of transfers tell you what the corridor really cost.
Three bands around a return rate you state, never one the app invented. With no rate set it shows accumulated savings, which depends on nothing unknowable.
A full export to a file you keep, plus CSV. Nothing about leaving is made difficult, because there is no subscription to protect.
No aggregator has meaningful Omani coverage, which is why the well-known net worth and forecasting apps do not function here. NetWorth+ needs none: no credentials, no third party in your banking relationship, and every figure computed on your own phone. Transactions arrive from the alerts your bank already sends, a scanned receipt, a CSV export, or you.
Where this applies
Oman is one of six Gulf markets covered, and shares its three-decimal handling with Kuwait and Bahrain.
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
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Read moreThe next 90 days and the next five years.
Read moreFree on Android. Net worth, budgets and shared costs in OMR, with no baisa quietly lost.
Android. No bank login. No ads. Message reading is optional and off until you switch it on.