Built for how money actually works

Budgets, spending, investments, goals and your whole net worth. Fortnightly pay, your home and fixed-rate home loans aren't afterthoughts here. They're the point.

Budgets

  • Set limits per category for each week, fortnight or month.
  • Fortnightly budgets reset on your payday, not on a random date.
  • Make your own categories just by typing a new name.
Budgets in Worthberry: spent this month against the budget, with each category’s progress

Spending

  • Link your bank through open banking, where it's available in your country.
  • Or import a CSV statement from your bank. Importing the same file twice won't double up.
  • Transactions sort themselves into categories, recognising the shops, supermarkets and utilities on your statement.
  • Change a category once and Worthberry can remember it for next time.
  • See where it all goes: by category, by place and month by month.
A Sankey diagram showing a month’s pay flowing into housing, groceries, travel, transport and other categories

Investments

  • Balances from linked platforms, or holdings you add yourself.
  • Your retirement savings alongside your shares and funds.
  • Gain or loss on each holding, and how your money is spread.
The Investments page: portfolio value, gain or loss, and each holding with its return

Goals

  • Set a target for a house deposit, a trip, a car or a rainy-day fund.
  • Choose which accounts count towards it, and see the date you're on track to get there.
  • Seedling includes 1 goal, Sprout 3, and Ripe and Harvest as many as you like.
Goals for a trip to Japan, an emergency fund, a first-home deposit and a car, with the date each will be reached

Your home

  • Record a value from a property website, a valuation or your own estimate.
  • Add your home loan, split by split, to see your equity and loan-to-value ratio.
  • A reminder 120 days before your fixed rate ends, so you have time to shop around.
The Property page: home value, home loan, equity and a reminder that the fixed rate is ending

Crypto

  • Paste a public wallet address for Bitcoin, Ethereum, Solana and more. Balances are read straight from the blockchain.
  • Prices updated through the day.
  • Exchange balances, like Kraken or Coinbase, can be entered by hand.
The Crypto page: total crypto value, with Bitcoin, Ethereum and Solana holdings

A dashboard you design

  • Pick from twelve kinds of chart, from spending flows to a month-by-month view of where your money goes.
  • Choose the time range, from one week to all time, and which parts of your wealth to include.
  • Rearrange and resize it until it shows what you check most.
The dashboard in Customise mode, with visuals that can be dragged into a new order

On your phone

  • Worthberry works in any browser and adds to your home screen like an app.
  • App Store and Google Play versions come after the beta.
Worthberry on a phone: the dashboard with net worth over the last 30 days

Net worth

  • Everything you own minus everything you owe, as one number that updates on its own.
  • See how it's changed over a week, a year or all time, and what moved it.
  • Includes your home, retirement savings, investments, crypto, savings and every loan.
A net worth chart for the last 30 days beside a wealth breakdown of property, retirement savings, investments, crypto and bank accounts

Where are you?

Worthberry is live in New Zealand and coming to more countries.

Live now New Zealand Bank sync, NZ prices, and help written for New Zealand. Go to Worthberry New Zealand
Coming soon Everywhere else Tell us where you are, and we’ll email you when Worthberry gets there.