Our Story
Our Story
A friend asked me a simple question one day: "What's your net worth?" I had no idea. I'd always been frugal — I never felt the need to track every coffee or subscription. But realizing I couldn't answer that question bothered me.
So I started tracking in a spreadsheet. I'd gotten the idea from an Ali Abdaal video where he shared a net worth tracking template — simple, effective, exactly what I needed. Every month, I'd update the balances across checking, savings, retirement, the car loan. It worked, but after three years it became tedious. The formulas broke. The charts looked ugly. And I started wondering — if I'm already putting all this sensitive data in a file, shouldn't it at least be encrypted?
That's when I decided to build Worthflow. A simple net worth tracker that does one thing well: show you how your wealth evolves over time. No budgeting, no bank linking, no AI telling you what to do. Just monthly snapshots, clean charts, and every single number encrypted before it touches the database.
Worthflow is a contemplative space to track your net worth over time. You add your accounts — checking, savings, investments, real estate, loans — and log monthly balance snapshots. We encrypt every balance and account name with AES-256-GCM before it touches the database. Not even we can browse your numbers.
It supports 170+ currencies with automatic conversion, CSV import from spreadsheets, and clean charts that show how your wealth evolves across months and years. No noise. No ads. No selling your data.
AES-256-GCM encryption with per-user keys. Zero plaintext stored. No bank linking, no Plaid, no credentials stored. Your data stays yours.
No budgeting tools, no AI advisors, no subscription tracking. Just net worth, done well. One thing, with full focus.
170+ currencies, automatic conversion, and multi-language support. Built by an expat in Costa Rica for people who manage wealth across borders.
Monthly snapshots take two minutes. No third-party access, no credentials stored. A smaller attack surface and a more intentional relationship with your money.
Every balance and account name is encrypted with AES-256-GCM — the same standard used by governments and financial institutions. We derive a unique encryption key for each user, so even two users with the same balance produce different ciphertext.
What your data looks like in our database
bG9uZG9u:YWVzLTI1Ni1nY20=:dGFnMTIzNDU2Nzg=Your data is encrypted before it's stored and decrypted only when you request it. We never store plaintext balances. If our database were ever compromised, attackers would see only meaningless ciphertext.