Asked and answered.

Net Worth Nexus is a net worth platform that combines manual tracking, live connected accounts, investment analytics, markets research, and planning tools in one place. It unifies your brokerage investments, bank and credit accounts, crypto, retirement, real estate, and manually tracked assets into a single dashboard, then layers analytics and forward-planning tools on top.

It is operated by NexTech Innovations LLC and built by a solo founder. Still founder-led, still shipping fast.

New accounts are created in the Net Worth Nexus app for iPhone (U.S. App Store). An account made on iPhone also signs in to the web app at app.networth.nexus.

Sign-up on the web itself opens later. Until then the web sign-up page asks for an access code, and the waitlist on the home page is how to hear when it opens.

Anyone can try the interactive demo with sample data, no account needed, and the Discord is open to everyone.

Two surfaces, one product: a web app at app.networth.nexus that works in any modern browser (Chrome, Edge, Safari, and others, with the layout adapting to your screen), and a native iOS app for iPhone via the App Store. The iOS app requires iOS 18 or later.

Both are served by the same backend, read the same accounts and are built to show the same figures. There is no Android app.

No. Manual tracking works on every tier, including Free. You can type in brokerage, retirement, crypto, checking, savings, credit card, loan, auto loan, and mortgage accounts yourself, plus real estate, vehicles, valuables, and sportsbook balances on the Assets page. Manual investment accounts can hold the tickers and option contracts you own, at the cost you enter. Nothing prices them for you: live prices come with a linked brokerage on Pro.

Every account type is available on every tier. What differs is how many you can hold: Free tracks up to 10 manual accounts in total, and Pro and Nexus remove that limit.

Live connections are optional upgrades: brokerage sync on Pro, banking sync on Nexus. One thing to know before upgrading: on Pro and Nexus the Investments page lists your linked brokerage accounts only. Investment accounts you entered by hand keep counting toward your net worth on the Dashboard, but that page doesn't list them.

A try-before-you-buy tour at app.networth.nexus/demo. It renders the real app pages (Dashboard, Investments, Banking, Assets, Markets, and Time Machine) backed by sample data, with no account or email needed.

A short guided onboarding: you can start with just an email, then create your profile (name, username, password, birth year), tell us your goals, how you track money today, and which account types you hold. The product personalizes itself from those answers and recommends a plan. You are never charged during onboarding, and a Skip path exists throughout.

Net Worth Nexus is for adults: a minimum age of 18 is enforced at registration.

Three tiers:

Free ($0): up to 10 manual accounts and net-worth tracking, the Dashboard, the Assets page, Markets research and your watchlist, and the Time Machine.

Pro ($4.99/month): everything in Free with the manual-account limit removed, plus live brokerage connections, portfolio analytics and the Insights desk, the trade activity ledger, positions priced by your brokerage, and the opt-in Daily AI Briefing.

Nexus ($9.99/month): everything in Pro, plus live banking connections (checking, savings, credit cards, loans), spending and cash-flow insights, the exclusive Gold theme, and priority support.

Serious manual tracking: up to 10 manual accounts, spent however you like across investments, banking, and assets (brokerage, retirement, crypto, checking, savings, credit cards, loans, mortgages, real estate, vehicles, valuables, sportsbooks), tracked tickers and options at the cost you enter, the full net-worth dashboard with history and the Total / Liquid lens, the whole Assets page, the complete Markets & Macro page with your own watchlist, and the Time Machine with both rewind and Monte-Carlo fast-forward.

The ten is one shared pool rather than a quota per page. Ten in total, allocated whichever way suits what you own. Every account TYPE is available on Free. Only the count is capped.

The add form is replaced by a note telling you where you stand. Nothing else changes: your ten accounts keep working, stay editable, and keep counting toward your net worth. Nothing is deleted, hidden, or dropped from the total.

Two ways on: remove an account you no longer track, or move to Pro or Nexus, either of which removes the limit entirely.

Two details worth knowing. The ten is a single pool shared across Investments, Banking, and Assets, not ten per page. And connected accounts do not count against it. Holding any at all already requires a paid plan.

Pro connects your real brokerage accounts through SnapTrade and turns on the analytical machinery: positions, options, and cash across your linked accounts, priced by your brokerage. Stock dossiers with tax lots and realized P&L. Option sheets with the exact payoff at expiration, plus a Black-Scholes model and Greeks when you also hold the underlying shares. The Insights desk (structure, tax, behavior, options and income). The full trade activity ledger, with your realized gains charted over time. And the opt-in Daily AI Briefing.

Nexus is the complete picture: everything in Pro, plus live banking through Quiltt (checking, savings, credit cards and loans). The Banking Overview shows your cash over the last 30 days running into the bills due in the next 14, what came in and went out, and where it went by category. Insights adds runway, income, spending rhythm, merchants, fixed costs with a cancel simulator, and credit. You also get the banking activity ledger, the Gold theme and priority support.

Yes. Nexus is a strict superset of Pro. Every Pro capability is included, with banking layered on top.

On the web, subscriptions run through Stripe. Checkout and plan management happen in a secure Stripe portal. On iOS, subscriptions run through your Apple ID as standard App Store in-app subscriptions.

Either way, your entitlement syncs across both platforms: subscribe on one, and the other recognizes it.

Web (Stripe): open Settings → Subscription → Manage subscription, which opens the Stripe customer portal where you can switch plans or cancel. Plan switches are prorated.

iOS (Apple): manage or cancel in iPhone Settings → your name → Subscriptions. The app deep-links you there.

Your account itself always stays active. Canceling only ends the paid tier.

Features that require the higher tier are removed until the plan is restored. Your account and your manual data stay intact.

If you had more than 10 manual accounts, you keep every one of them. They are not deleted, hidden, or dropped from your net worth, and you can still edit them. The only thing that stops is adding another until you are back under ten. Your net worth never changes because your plan did.

One important detail: if Pro access ends, connected brokerage authorizations are disconnected and purged, so no paid data links persist. Reconnecting after re-upgrading takes a couple of minutes.

If Nexus ends, your bank connections are disconnected straight away, and the bank link is deleted after 90 days unless you return to Nexus.

It depends on where you subscribed.

Through the App Store: in the iPhone app, Settings → Subscription → Restore purchases. That asks Apple directly.

On the web (Stripe): Settings → Subscription → View Plans, then Refresh from Stripe at the bottom of the plans page. In the iPhone app the same refresh is Refresh status, on the Subscription screen. It reads the web subscription only and never asks Apple.

If it still looks wrong, sign out and back in once. That refreshes your entitlement snapshot. If it persists, contact support with your platform (web or iOS) and the approximate time of the change: support@networth.nexus.

iOS purchases are billed by Apple, so refund requests go through Apple's standard process at reportaproblem.apple.com.

For web (Stripe) billing, email support@networth.nexus from your account email and we'll look at it case by case. Canceling always stops future charges.

Through SnapTrade, a brokerage aggregation service. You authenticate inside SnapTrade's own secure portal. Your brokerage credentials are entered with them, never in Net Worth Nexus fields, and never stored in our database. We receive read-only data: accounts, balances, holdings, options, and transactions.

Brokerage connections require the Pro plan (or Nexus). You can link up to 8 brokerage connections per account. Each connection is one brokerage login, which can hold several accounts. At the limit, remove one you no longer use in Settings → Connections before adding another.

Through Quiltt, built on Finicity's banking network, with merchant enrichment (logos, categories, recurring detection) from FinGoal. As with brokerage: you authenticate in the provider's own flow, we never see or store your bank credentials, and the connection is read-only.

Banking connections require the Nexus plan. You can link up to 5 bank connections per account.

Brokerage coverage comes from SnapTrade's network and bank coverage from Quiltt/Finicity's network. Together they span most major U.S. institutions. Any institution names shown in marketing imagery are illustrative, not a guaranteed list.

The reliable way to check is to start the connection flow and search for your institution in the provider's picker.

Brokerage data auto-syncs roughly every 5 minutes during U.S. market hours for active users, with webhook-driven refreshes when your broker reports changes. Banking data is cached for about 5 minutes and refreshed on demand.

Pro and Nexus users can also force a full refresh anytime: Settings → Connections → Sync → Refresh all data.

History needs at least two daily snapshots to draw a line. Each day you open Net Worth Nexus, it records that day's net worth. A reading taken before the 4 PM ET close is provisional, and a later visit that day replaces it. On a day you don't open the app, your last known total is carried forward so the line continues.

After 14 days away, the app stops adding points rather than drawing a flat line that only repeats your last balance, and emails you once to say so. Nothing is deleted, and it starts again the day you come back.

A brand-new account shows "Your history begins today" until a second snapshot exists, so give it a day or two and your terrain begins.

If an institution temporarily fails to report (maintenance, provider hiccup), we don't let your net worth falsely crater. The affected account is marked stale and its last known value is carried forward until fresh data arrives. The badge is your signal that a value is held, not live.

The same idea keeps your history continuous: on a day you don't open the app, your last known total is carried forward as that day's point. After 14 days away the app stops doing that and emails you once, so your chart never fills up with a flat line.

No, categorically. Every connection is read-only. Net Worth Nexus cannot execute trades, transfer funds, move money, or take custody of anything. There is no code path for it. We display and analyze; only you transact, at your own institutions.

Settings → Connections shows every brokerage connection and bank account with a Remove action. Removing a connection deletes its authorization. Deleting your entire account also purges all connections as part of the wipe.

Passwords are hashed with PBKDF2-HMAC-SHA256 and random salts. We cannot read them. Connection secrets are encrypted at rest. Sessions are HTTP-only cookies with configurable expiry and login rate-limiting. Data is encrypted in transit, and the usual protective headers (HSTS, frame denial, content-type protection) are enforced.

Two-factor authentication is available on both web and iOS, and optional. On iOS, biometric credentials live only in the device Keychain, accessible only when your device is unlocked.

Yes, on both web and iOS, and it is optional. Settings, then Security, then Two-Factor Authentication. You scan a QR code with any authenticator app (Google Authenticator, 1Password, Authy, or another), confirm one six-digit code, and it is on. It is a standard TOTP setup, so no particular app is required.

Turning it on hands you 10 single-use recovery codes. Save them somewhere other than the phone holding the authenticator. Each one signs you in once if you lose the device, and spending one emails you a notice so a code used by someone else is not silent. You can regenerate the set at any time, which invalidates every earlier code.

You can also let a browser or device skip the second step for 30 days. That is per device and revocable: Forget Remembered Devices in the same settings panel drops every one of them, including the one you are using.

Two details worth knowing. Enrolling, disabling, or regenerating codes all re-ask for your password, so a borrowed open session cannot change your second factor. And turning 2FA off needs both your password and a working code, which means losing the authenticator without your recovery codes is a support conversation rather than a self-service one.

Never. Credentials are entered in SnapTrade's or Quiltt's own secure flows. They never pass through or rest in Net Worth Nexus systems. What we hold are revocable, read-only data authorizations.

No. Net Worth Nexus does not hold its own SOC 2 report, and we don't claim one. The security model rests on storing as little as possible: you sign in to your brokerage and bank inside SnapTrade's and Quiltt's own flows, so we never see or store those credentials, and every connection is read-only. Each provider publishes its own security and compliance information. Everything between your device and our servers is encrypted in transit.

No. We don't sell or rent personal data, and the app contains no advertising trackers. The business model is the subscription. You are the customer, not the product.

Self-service: Settings → Profile & Account → Danger Zone → Delete Account, then type DELETE to confirm. This purges your connections, transactions, snapshots, settings, and manual data.

Deletion is never blocked by a subscription. If you subscribed on the web, deleting cancels it for you and you will not be charged again. If you subscribed through the App Store, deleting your account does NOT cancel that subscription. Only Apple can, so cancel it first in iPhone Settings → your name → Subscriptions, or you will keep being charged with no account to sign in to.

Yes. In the web app, Settings → Profile & Account → Your Data & Legal → Download my data gives you a single JSON file with your profile, snapshots, account history, manual entries, watchlist, and transactions.

It deliberately contains no credentials: your password is only ever stored hashed, and brokerage or bank logins never reach us at all. Data still held by SnapTrade, Quiltt, Stripe or Apple has to be requested from them directly.

Yes. You must be at least 18 to create an account, and registration enforces it with a birth-year gate.

The United States only. The iPhone app is for the U.S. App Store alone, and sign-up from outside the US is declined.

If you already have an account and you're travelling, nothing changes: only account creation is geo-checked, never sign-in.

Your total net worth with today/this-week change chips and an all-time-high marker, the scrubbable history chart (1W through ALL), an allocation breakdown, top holdings, recent activity (tap a move to open its row in Activity), your connected sources with per-account sparklines, the latest official releases from the Markets wire, and, on Pro and Nexus, the opt-in Daily AI Briefing.

There's also an opt-in peer comparison: a bell curve showing where your net worth sits among people your age, among households that earn what you earn, and which wealth phase you're in.

A display lens on the Dashboard. Total is every dollar you own minus every dollar you owe. Liquid removes the assets you can't sell quickly (real estate and vehicles) together with the debt secured against them, so a house and its mortgage always leave in the same breath. What's left is roughly what you could actually reach.

It redraws your whole history, not just today's number, and nothing stored ever changes: your recorded net worth is one honest number underneath either view. The switch only appears once you've entered an illiquid asset.

Everything you own that no institution can sync: property and vehicles, valuables like jewelry, collections, or equipment, and sportsbook balances. You state a value, and it counts toward your net worth from then on. You update it when the world does.

Property and vehicles are the assets the Liquid lens removes alongside their secured loans. A sportsbook account also keeps a ledger of pending and settled tickets; only the balance reaches your net worth, since a stake already left it. Every asset can be edited or removed right on the page, and the whole surface is included on every plan. Assets count toward the Free tier's 10-account limit like any other manual account.

Each afternoon after the 4 PM ET close, the backend assembles a factual snapshot of your portfolio (net worth, splits, deltas, history, top holdings) and Google Gemini writes one neutral, educational observation with scannable highlights. Strictly observation: it never gives advice, never recommends actions, never predicts.

It's off until you turn it on. The first time, the Dashboard explains what is sent to Google (balances, holdings and recent net worth history, never your name, email or account numbers) and asks. Turn it off any time in Settings → Preferences → Features → AI Daily Briefing.

It requires Pro or Nexus and at least two daily snapshots of history. Free accounts don't see a briefing card at all.

Five lenses over your real connected data, on Pro and Nexus: Structure (how your capital is built, concentration, and holdings held in more than one account), Tax (the share of lots in gain, holding periods, a lot map, and the next lots to turn long-term), Behavior (profit factor, hold times, every closed trade, and the size of wins against losses), Options (an expiry dial, your open legs, and a record of closed option trades, matched first in, first out), and Income (a 12-month income clock, your recent pace and top sources).

A core principle: it uses only your real data. No fabricated sectors, scores or benchmarks. Each option leg is tracked as its own contract: spreads and other multi-leg strategies aren't grouped or named.

Every option contract in a linked brokerage opens into its own sheet. It always shows the position's value and P&L, your average cost, the mark, the breakeven, and the exact payoff at expiration: drag across the chart to see what the position comes to at any closing price, with the most it can lose and the most it can make.

If you also hold shares of the underlying in a linked account, the sheet adds a Black-Scholes model fitted to the contract's current mark, starting from the current 3-month Treasury rate and assuming no dividends, with sliders for the share price, volatility, days forward and interest rate, and the Greeks (Delta, Gamma, Theta a day, Vega per 1%). Without that share price or that rate, or when no volatility fits the mark, or on the contract's expiration day, the sheet shows the payoff at expiration alone rather than guess. It's a model for understanding a position, not a trading tool.

Contracts you enter by hand are tracked at the premium you entered and don't open a sheet.

Six lenses on Nexus, each built from your linked bank accounts.

Runway: how many months your cash covers at your real spending pace, with a rule you can drag to see more or less spending. Income: what comes in, from whom, how often, and how much of it you keep. Rhythm: which weekdays cost the most, your no-spend days and a 30-day spending calendar. Gravity: how much of your everyday spending goes to your top merchants, and what purchases under $25 add up to in a year. Fixed: how much of your spending is already spoken for by minimum payments and recurring charges, with a simulator that shows what canceling a recurring charge would free. Credit: how much of your card limits you use, plus your average APR and how much of your loans is paid off, wherever your bank reports them.

There is no budget and no month-to-month comparison: the lenses read what you actually did, and the Overview covers the last 30 days and the next 14.

The page has two tabs. Markets carries three public feeds.

The economy: eighteen series published by U.S. federal agencies such as the Federal Reserve Board, BLS, BEA and the Census Bureau, across rates, prices, jobs and growth. They include the fed funds and prime rates, Treasury yields from 3 months to 30 years, the average credit card rate, inflation, unemployment, payrolls and GDP, with up to ten years of history, refreshed about once a day.

Insider flow from SEC filings: executed Form 4 open-market purchases and sales and planned Form 144 sales of $100,000 and up, with a 30-day buy and sell flow, filterable by name, company or ticker, updated twice a day.

The wire: releases from the Federal Reserve, the SEC, the Bureau of Economic Analysis and the U.S. Treasury, each linking to the original, updated twice a day.

The second tab, Watchlist, is your own conviction journal: names you're tracking, with your thesis and target rather than a live quote. Both tabs are free on every plan.

A conviction journal, not a quote screen. You add a symbol with the things that actually matter: your thesis in your own words, an intent (long-term, options idea, speculative, or just watching), a conviction level, and a self-entered target price. Each name is then cross-referenced against the last 45 days of SEC Form 4 and Form 144 filings and the Markets wire, so you notice when an officer sells into a name you've been circling.

It is deliberately price-free: names you don't own show no quote, because we don't run a market-data feed and won't fake one. Names you hold in a linked brokerage show their value live from it. A name you only track by hand shows that you own it, without a price. When you finally buy, "I bought this" adds the name to one of your hand-entered accounts at the cost you enter, and entries you're done with archive instead of vanishing. Free on every plan.

No. There is no quote lookup or charting for symbols you don't own. Net Worth Nexus prices and analyzes what you hold in a linked brokerage, and the Markets page covers the economy, insider filings and official releases.

You can search for a company to add to your Watchlist, but the search shows names only, and the entry stays price-free until you hold it in a linked brokerage: we don't run a market-data feed and won't fake one. For quotes and charts on names you don't hold, use your broker or a quote service.

Fast-forward runs 600 Monte-Carlo paths (300 on Free) using Geometric Brownian Motion with monthly steps and growing contributions. You steer it with the Flight plan: presets (Cautious, Balanced, Bold) and levers for the amount added each month, the horizon (5 to 40 years), where you start from and your target, with expected return, market swings, deposit growth and inflation under More assumptions. It reports the middle outcome, the range 8 in 10 futures finish in, the odds of reaching your target, and the cost of waiting a year, in dollars as written or after inflation. The same inputs always draw the same futures. There is no retirement date or retirement-age input.

Rewind, the other mode, races your recorded net worth against the same deposits under a mattress, in T-bills at real 3-month Treasury rates, keeping pace with inflation, and at an illustrative steady 8%, with records like your deepest dip and time underwater.

It's illustrative: odds, not promises, and never financial advice.

Every Sunday at 6 PM ET the iPhone app sends a Week in Review notification, once you have at least two daily snapshots that week. Tap it to open Your week: how your net worth moved from Sunday to Sunday, Eastern time, built from your daily snapshots. A Your week card also sits on the iPhone Dashboard from Sunday evening through Monday.

Like every notification from Net Worth Nexus, it shows no dollar figure on the lock screen.

Yes, on every plan: 16 badges in five groups (getting started, streaks, breadth, milestones and good habits), from your first day of history and a week of unbroken tracking up to a full year, a new all-time high, or turning on two-factor authentication. Find them in Settings → Achievements beside your tracking streak, with a row on the Dashboard too.

One badge, Both Sides, needs a connected bank and a connected brokerage, which means Nexus.

Yes. Hide amounts masks every figure in the app as $•••, which helps on a shared screen or in public. On the web it's the eye button in each page's header, or Hide amounts in the page menu on a phone. In the iPhone app it's in the page menu. Show amounts brings them back.

Yes. Settings → Preferences → Page Navigation reorders the six pages and hides the ones you don't use (at least one stays visible).

Inside Insights, on Investments (Pro) and Banking (Nexus), Customize layout in the page menu puts the lenses in your own order. In the iPhone app the Dashboard's page menu has Customize layout too, which reorders its sections on that device. Both reorder only: nothing inside a page is hidden.

Dark (the default) and Light on every plan, plus Gold, an engraved black-and-gold look exclusive to Nexus. Themes change colors only, and the typography stays the same everywhere.

It's opt-in and off by default. Enable Net Worth Comparison in Settings and add your birth year, and the dashboard shows where your net worth sits on the curve for people your age, labelled in real dollars, so you can see what the median and the 90th percentile actually look like. Add your income too and you get a second lens: how you compare with households that earn what you earn.

The curves are computed from the Federal Reserve's Survey of Consumer Finances microdata and carried forward each quarter using the Fed's Distributional Financial Accounts, so the numbers track the present rather than the survey year. There is no gender lens and no state lens. The survey's public data has no state variable at all, and its gender split measures marital status rather than gender, so neither could be done honestly.

Turn it off anytime; it only ever compares you against national statistics, never against other Net Worth Nexus users.

Use Forgot username or password? on the sign-in screen. It emails you your username and a single-use link that is good for one hour, and the link sets a new password. If you only forgot your username, read it in the email and leave the link alone. No support ticket needed.

If you entered your email to sign up but never chose a username and password, use the same link. The email it sends lets you finish setting up your account, and you then sign in on the web or in the iPhone app and carry on where you stopped.

Two things that look like faults and are not. The confirmation reads the same whether or not the address has an account, deliberately, so nobody can use the form to discover who is registered. And there is a limit on how often a link can be requested, so a rapid second or third attempt is refused for a few minutes rather than sending another email.

Setting a new password signs out every other session and forgets every remembered device, which is deliberate: the link proves control of your inbox, not possession of any particular phone. So if you have two-factor authentication on, expect to be asked for a code afterwards even on a browser that had stopped asking. A reset changes your password, never your second factor. If you have lost the password and the authenticator both, with no recovery codes left, email support@networth.nexus from your account address.

Yes, in Settings → Profile & Account → Sign-in details, on the web or in the iPhone app. Both ask for your current password.

A new username works straight away. Sign in with it from then on, and update any password manager that saved the old one. Face ID on the iPhone you changed it on follows it; on another iPhone, sign in once by typing the new username and Face ID works again there.

A new email address gets a 6-digit code that is good for 30 minutes. Type it back in the app and the change is made. Until then your email stays exactly as it was, and your old address gets a note once it changes.

Each can change once every 30 days, counted from your last change of that one, and Settings shows how many days are left. If a code never arrives, check your spam folder, then choose Use a different address and try again.

Sessions expire after a period you control: Settings → Security → Session timeout, from 15 minutes up to 24 hours (default 1 hour). The timer slides with activity, so an open, active app stays signed in. If you're being signed out unusually fast, lengthen the timeout, and note that a "session expired" banner after long idle time is working as designed.

First try Settings → Connections → Sync → Refresh all data (Pro/Nexus). Check for a stale badge. A provider outage carries values forward rather than dropping them. Remember bank transactions carry a date but no time-of-day, and brokerage data follows market-hours syncing.

If a number is still clearly wrong after a refresh, email support@networth.nexus with the account, the expected value, and a timestamp. Data accuracy reports get priority.

Opt in from the login screen or Settings → Security. Your credentials are stored only in the device Keychain (accessible only when the device is unlocked), and the login screen offers (and once per appearance, auto-prompts) biometric unlock. Biometric credentials survive logout, so getting back in is one glance.

Net Worth Nexus sends three notifications, all from the iPhone app: a Daily Snapshot around 4:05 PM ET saying your snapshot is ready, a Week in Review on Sunday evenings once you have two snapshots that week, and an Account Needs Attention alert if a linked brokerage account stops updating for three days. None shows a dollar figure on the lock screen. Open the app to see your numbers.

One switch covers all three: Settings → Notifications in the iPhone app. They also need permission at the system level and finished onboarding. If you denied permission originally, the app links you to System Settings to turn it back on.

Three ways, fastest first: the support assistant, in the corner of this site and under Settings → Help & Support in the web and iPhone apps (it answers most questions instantly), the Discord community, or email support@networth.nexus.

When the assistant can't help, it offers a ticket. In the apps you can also go straight to Contact a human → Open a ticket under Help & Support. A person reads every ticket and replies by email.

When emailing, send from your account email and include: the issue type (connection / billing / app behavior), your platform (web or iOS), and a short description with rough timestamps. Nexus subscribers get priority handling.

On this site, use the support assistant's "Report a bug" action. In the apps, Settings → Help & Support → Open a ticket. Both collect exactly what we need. Or email support@networth.nexus with your platform (web or iOS), what you did, what you expected, what happened instead, and roughly when. Screenshots help enormously.