The largest realistic risk to a small finance app is not a break-in. It is the company quietly stopping. That risk cannot be argued away, so NetWorth+ is built so that it is survivable, and this page shows you exactly how to make sure it is.
Settings, then Backup
Automatic backup
In short
The largest realistic risk to a small independent finance app is not a security breach, it is the company quietly stopping: the founder moves on, funding runs out, or the app disappears from the store, and years of financial history become difficult to reach. NetWorth+ is designed so that this is survivable rather than catastrophic. Automatic backup can be switched on in Settings and scheduled daily, weekly or monthly, and the backup is written as a file to your own device storage, which means a current copy of your financial history sits somewhere NetWorth+ does not control and cannot withdraw. CSV export is available at any time for a spreadsheet or another app, and account deletion is self-service. Taken together, if NetWorth+ stopped being developed tomorrow, the backup file already on your phone would still be yours and still be readable. We would also give you the advice any careful person gives about any single provider, including this one: copy that backup somewhere else as well, to your own computer or cloud drive, because a backup that only exists on the phone you are holding is one lost phone away from not existing.
Backup schedule
Daily, weekly or monthly
Backup location
Your own device storage
Export format
CSV, any time
Deletion
Self-service, by you
Five minutes, once
The reason most people have no backup is that it is a chore that has to be repeated. Scheduling it removes the repetition, which is the only part that ever fails.
Go to Settings inside the app and find the backup options. Everything below is configured in one place and takes a couple of taps.
Switch on scheduled backup so it runs without being asked. A manual backup you have to remember is a backup you will stop taking by about week three.
Daily, weekly or monthly. Weekly suits most people. Choose daily if you log transactions constantly or share a ledger with someone; monthly is the least we would run ourselves.
Every so often, copy the backup file to your computer or your own cloud drive. This is the step that protects you from a lost phone as well as from us, and it is the one worth doing deliberately.
The exits
An app that is easy to leave has to be good to keep you. Every route out of NetWorth+ is available to you without asking us for anything.
A backup file written to your own device storage on a daily, weekly or monthly cycle that you set. It runs on its own, it does not depend on you remembering, and the resulting file is in your hands rather than ours.
Export your records as CSV at any time, for a spreadsheet, an accountant or a different app entirely. CSV is deliberately boring and universally readable, which is exactly what you want from a format you may need in five years.
Delete your account and its records yourself, without emailing anyone for permission or sitting through a retention offer. The route is documented and open, whatever your reason for leaving.
Written out in advance
These are the scenarios worth thinking about before you commit years of records to any app, including this one.
| Scenario | What happens to your financial history |
|---|---|
| You lose or break your phone | Your records sync across devices signed in to the same account, so signing in on a replacement restores them. A backup file kept only on the lost phone is gone with it, which is why the copy-it-elsewhere step matters. |
| You move to a new phone | Sign in on the new device and your records follow the account. Nothing needs to be transferred by hand. |
| You stop using the app for a while | Nothing is deleted for inactivity. Your ledger is where you left it when you come back. |
| You want to move to a different app | Export to CSV and take it with you. There is no lock-in mechanism and no export fee, and we would rather you left cleanly than stayed because leaving was painful. |
| The app is removed from the Play Store | A delisting does not uninstall the app you already have, and it does not touch the backup file on your device. Your most recent backup and any CSV export remain readable regardless. |
| Development stops but the service runs | The app keeps working as it does today. It stops gaining fixes, new features and Android version updates, which becomes the real constraint over time rather than sudden data loss. |
| The company shuts down entirely | This is the scenario the backup schedule exists for. Cloud sync would eventually stop, and what survives independently of that is the backup file on your device and any CSV you have exported. If you have kept a copy off the phone as well, your financial history is fully intact and readable without us. |
None of this is hypothetical comfort. It is the reason automatic backup writes to your device rather than only to our servers: a backup you can only retrieve from a company that has stopped existing is not a backup.
The uncomfortable part
Including, and especially, from us.
Careful reviewers of this app tend to arrive at the same recommendation: use it, but keep an independent copy of your data. That is correct, we agree with it, and it is worth saying out loud rather than treating as criticism to be managed.
It is not a statement about NetWorth+ specifically. It is what you should do with any single provider holding something you cannot reconstruct. Companies are acquired, priorities change, and small teams stop. A finance app that responds to this by reassuring you is asking for a kind of trust that nobody should extend to a piece of software; the useful response is to make leaving easy and to hand you a file.
Follow that and the question of whether NetWorth+ survives stops being a question about your data. It becomes a question about whether you need to find a new app, which is a far smaller problem and one you would have plenty of time to solve.
A server-side backup restores you after a lost phone but not after a lost company, because both copies sit with the same party. Writing the backup to your own storage means the two failure modes are separated: our systems failing and your phone failing are no longer the same event. It also means we cannot withhold your data, delete it in a dispute, or put it behind a future paywall, because we are not the ones holding that copy.
Questions
It takes two taps in Settings and it is the single thing that makes every scenario on this page recoverable. Do it now rather than at the point it matters.
Android. No bank login. No ads. Message reading is optional and off until you switch it on.