# Worthken

> Worthken is a private, read-only net worth tracker for people whose money lives in more than one country. See every account, property, loan and investment across the US, India and beyond, in one number and in every currency.

Worthken is by ByteKen. It is read-only (it can never move money), gives information not advice, and is free during early access. Launch countries: United States and India.

## Product
- [Features](https://worthken.vercel.app/features): one net worth across countries and currencies, world view, read-only linking, CAS import, property estimates, family, encrypted vault
- [Trust Center](https://worthken.vercel.app/security): security model, privacy, DPDP/GLBA/CCPA/GDPR compliance by design, assurance roadmap
- [Pricing](https://worthken.vercel.app/pricing): free during early access; per-person Personal and Family plans at launch
- [FAQ](https://worthken.vercel.app/faq)
- [Compare](https://worthken.vercel.app/compare): Worthken vs. spreadsheets, budgeting apps and bank apps

## Who it's for
- [Net worth tracker for NRIs](https://worthken.vercel.app/for/nri): Worthken is a net worth tracker built for NRIs: see US 401(k)s and brokerages alongside Indian mutual funds, PPF, EPF, NPS, fixed deposits, gold and property, in dollars or rupees.
- [Net worth tracker for expats](https://worthken.vercel.app/for/expats): Worthken helps expats and globally mobile professionals track net worth across countries and currencies, with a world view of every account, pension, property and loan.
- [Family net worth tracker](https://worthken.vercel.app/for/families): Worthken is a family net worth tracker: each person has a private login, joint and family-owned assets roll up into one family view, and you choose what is shared.
- [Private net worth app](https://worthken.vercel.app/for/privacy-first): Worthken is a private, read-only net worth app: no ads, no product recommendations, no selling your data. Passkeys, mandatory 2FA and an end-to-end encrypted document vault.

## Free tools
- [Multi-currency net worth calculator](https://worthken.vercel.app/tools/net-worth-calculator): 21 currencies (USD, INR, GBP, EUR, CAD, AUD, Gulf currencies AED/SAR/QAR/OMR/BHD/KWD, SGD, HKD, MYR, JPY, CHF, NZD, ZAR, CNY, SEK) with daily ECB rates; runs in the browser

## Guides
- [How to calculate your net worth (with multiple currencies)](https://worthken.vercel.app/learn/how-to-calculate-net-worth): Net worth is everything you own minus everything you owe. Add up the current value of your assets (cash, investments, retirement accounts, property, vehicles, money owed to you), subtract your liabilities (mortgages, loans, card balances), and convert any foreign-currency amounts into one home currency using today's exchange rate.
- [How to track net worth across countries](https://worthken.vercel.app/learn/track-net-worth-across-countries): To track net worth across countries, record every account in its original currency, convert with a single exchange-rate source on the same date, group holdings by country so you can see exposure, and update at least monthly. A multi-currency net worth app automates the FX and the history.
- [The NRI guide to tracking your US and India net worth](https://worthken.vercel.app/learn/nri-net-worth-tracker): NRIs can track US and India net worth together by importing Indian mutual funds from a CAS statement, adding PPF, EPF, NPS, fixed deposits and property, linking US accounts read-only, and converting everything with live USD/INR rates into one total in dollars or rupees.
- [How to track family net worth without losing privacy](https://worthken.vercel.app/learn/family-net-worth): To track family net worth, give each person their own account, record ownership shares for joint and family assets so they are counted once, roll individual totals into a family view, and agree on what is shared. Add emergency access so someone you trust can see the picture if needed.
- [Is it safe to link bank accounts to a net worth app?](https://worthken.vercel.app/learn/is-it-safe-to-link-bank-accounts): Linking accounts to a net worth app is generally safe when the app uses read-only access through a regulated aggregator, never stores your bank password, encrypts access tokens, requires strong sign-in such as passkeys with two-factor, and does not sell your data. Check all five before connecting.

## Optional
- [Full text for LLMs](https://worthken.vercel.app/llms-full.txt)
- [Privacy Policy](https://worthken.vercel.app/privacy)