ClearWorth

Most net-worth apps open by asking for a bank login, and a lot of people close them on that screen. ClearWorth never asks. Every balance, holding and debt is typed in by hand, so there is no account to link, no card number and no OTP to surrender, and what you enter stays on the device and works with no connection. The figure it returns is the one most trackers quietly skip: what is actually yours, with money you are only holding for someone else, or have already promised away, taken back out. It counts the instruments an India-based saver actually holds, NSE and BSE equities, mutual funds, PPF, EPF and NPS, gold and silver, next to banks, cards, loans and money lent or borrowed. Prices settle on the previous day's close, and the app says so rather than dressing itself up as live. One build runs on iOS, macOS, Vision and Android.