✦ 3-Day Free Trial — No Charge Today

Budget smarter.
Build wealth faster.

NetWorth builds a personalized budget around your income, your state's tax rates, and your actual lifestyle — so you always know exactly where you stand.

$6.99/mo after trial · Cancel anytime
Budget
Expenses
Savings
PTO
Federal + FICA
$687/mo
State tax (FL)
$0 · no tax
Benefits
$310/mo
Monthly take-home
$4,287.50
🏠 Rent
✓ Under
$1,400
🛒 Groceries
✓ Great
$320
🛵 DoorDash
⚠ High
$280
⛽ Gas
✓ Under
$140
📱 Subscriptions
✓ Good
$85
🎬 Entertainment
✓ Under
$120
💰 Monthly savings
$942.50
% of take-home: 22.0%
Rating: Great 🔥
Score: 69/100
Features

Everything your budget needs

Built for people who want real numbers, not rounded-off estimates.

🧮
Real take-home pay
Calculates federal income tax, FICA, and your exact state rate across all 50 states. What you see is what you actually get.
🎯
Built for your life
Answer a few questions and your budget is customized to your spending categories, savings goals, and lifestyle — pets, kids, and all.
💰
Savings goal tracking
Create dedicated buckets for every goal — home, retirement, emergency fund, investments — and allocate your savings automatically.
🌴
PTO tracker
Track accrual, usage, and rollover. Get warned before hours expire at year end. Supports accruing, frontloaded, and unlimited PTO.
🏦
Loan calculator
Add mortgages, auto loans, and student loans. Monthly payments lock into your budget automatically so nothing slips through.
📊
Income adjustments
Log overtime, bonuses, side income, or unpaid time off. Watch your real take-home update instantly and your savings score adjust.
How it works

Up and running in minutes

No bank syncing. No complicated setup. Just your numbers.

STEP 01
🎯
Tell us about yourself
Answer a few quick questions — your state, income, spending categories, savings goals, and whether you have PTO or benefits.
STEP 02
💡
See your real numbers
We calculate your actual take-home after federal, state, and FICA taxes plus benefit deductions. Set your budget amounts and watch everything score in real time.
STEP 03
📈
Track and grow
Log expenses, allocate savings to your goals, track your PTO balance, and watch your savings score climb month over month.
Pricing

Simple, honest pricing

Half the price of YNAB or Monarch. Start free for 3 days — no charge until your trial ends.

Monthly
$6.99
per month, billed monthly
Cancel anytime
  • Full personalized budget
  • All 50 state tax rates
  • Unlimited expense logging
  • Savings goal tracking
  • PTO & loan tracking
BEST VALUE · SAVE 40%
Annual
$49.99
per year — just $4.17/mo
You save $33.89 vs monthly
  • Everything in Monthly
  • 40% cheaper than monthly
  • Priority support
  • Early access to new features
  • Locked-in rate as we grow

Ready to know your number?

Join NetWorth and take control of your finances today.

3 days free · $6.99/mo after · Cancel anytime
NetWorth
Know your number. Own your future.
By signing up, you agree to our Terms of Service
🔒
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NetWorth
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Where do you live?
We'll automatically apply your state's income tax rate. You can always update this in Settings if you move.
How much do you make?
This is private — only visible to you. Enter your gross (pre-tax) income. You can change it anytime in Settings.
What are your savings goals?
Select all that apply. We'll create dedicated tracking buckets for each one in your app.
Custom goals — type your own (up to 8)
What do you want to budget?
Check off every category that applies to you. You can add or remove these anytime in Settings.
Pets
Select the pet expenses you want to track:
Children
Select the child expenses you want to track:
Custom categories — type your own (up to 15)
Does your job offer PTO?
If yes, we'll add a PTO tracker tab. You can always adjust this in Settings. A selection is required to continue.
PTO Type
📅
Accruing
Builds monthly
🎁
Frontloaded
All at year start
♾️
Unlimited
No limit
Does your job offer benefits?
If yes, we'll add a Benefits Plan section to your budget. Only the benefits you select will appear. A selection is required to continue.
Which benefits does your employer offer?
Customizing your profile
Building your personalized budget tracker…
Calculating tax rates…
NetWorth
Start knowing your number
Your personalized budget tracker is ready.
✦ 3-Day Free Trial — No Charge Today
Monthly
$6.99
per month, billed monthly
Cancel anytime
BEST VALUE · SAVE 40%
Annual
$49.99
per year — just $4.17/mo
You save $33.89 vs monthly
✓Personalized budget based on your goals & lifestyle
✓State-by-state tax calculation with income adjustments
✓Expense tracking, savings log & all-time account balances
✓Overtime, bonus & side income tracking
✓Loan & mortgage calculator with budget integration
✓PTO tracker — accrual, rollover & expiration alerts
✓Benefits plan deduction tracking
A payment method is required to start your trial. You will not be charged until the 3-day trial ends. Cancel anytime before then at no cost.
NetWorth

NetWorth · Budget

Where does your money go?

FL Tax state — change in Settings
↻ Resets monthly
Benefits deducted
—
Federal + FICA
—
State tax
—
Base take-home
—
Adjustments
—
Monthly take-home
—
Effective rate
—
Salary is read-only here · Edit in Settings
📊 Income Adjustments Overtime · Bonuses · Side income · Unpaid time
$0 net ▼
$
Extra Income +$0
None added yet
Deductions -$0
None added yet
0%
allocated

Monthly snapshot

Budgeted expenses$0
Savings$0
Unallocated$0
Monthly expenses
Monthly Savings
💰 Monthly savings
$0
% of take-home
0%
Yearly projected
$0
Rating
—
Score
—
Allocate your savings
NetWorth · Federal tax brackets 2024 · All data stored locally in your browser · networth.ink

NetWorth · Expenses

Track your actual spending

➕ Log an expense

$
Budget vs. actual

Expense history

NetWorth · All data stored locally

NetWorth · Savings Log

Log contributions & investment gains

➕ Add a savings entry

$
Monthly breakdown

Savings history

Withdrawals are recorded in All-Time Savings

NetWorth · All-Time

Running account balances

ℹ️ How this works: Contributions & investment gains are logged in the Savings Log tab. This page is for withdrawals only — money pulled out for a big purchase or emergency.

💸 Record a withdrawal

$

Full transaction history

NetWorth · Loans

Calculate payments & track obligations

Monthly payments appear as locked line items in the Budget tab

NetWorth · PTO

Your time off balance

Accrual progress this year0 hrs

➕ Submit a PTO request

PTO log

NetWorth · Settings

Profile & preferences

📍 Income & Tax

🌴 PTO Settings

🎨 Appearance

Theme and tour

🎨 Theme

Theme
Dark is the default

📋 Budget Categories

Toggle categories on or off. Changes apply immediately to your Budget and Expenses tabs.
Custom categories

💳 Subscription

🔐 Account