Buy the haystack. Track it privately.
You hold a few low-cost index funds and let time do the work. Worthy tracks your net worth and your path to financial independence. Boring portfolio, boring tracker. That's the point.
- Free for 5 assets
- $16.99 once, no subscription
- 4.8 from 38 reviews
"Don't look for the needle in the haystack. Just buy the haystack."
Own the whole market, keep costs low, and wait. The hard part isn't knowing what to do, it's sticking with it. Worthy is built for investors who already have the plan and just want to see it working.
The simple path, tracked
Four habits from The Simple Path to Wealth, and how Worthy shows each one paying off.
See the gap grow
Worthy splits every change in your net worth into what you put in and what the market added, so you can see your savings rate doing its work.
Your funds, priced for you
Add VTSAX, VTI, VXUS, BND or whatever you hold once. Prices update automatically, across your 401(k), IRA, HSA and taxable accounts.
Watch what you owe shrink
Mortgages and loans amortize on schedule by themselves, so your debt goes down in the app the same way it does in real life.
Hold your allocation
Set a target split like 80/15/5 and Worthy shows your actual split next to it, so you can see when it's time to rebalance. No trade buttons, no hot tips, no market news feed.
Know your freedom number
JL Collins calls it F-you money: enough invested that work becomes optional. The common rule of thumb is 25 times what you spend in a year, the flip side of a 4% withdrawal rate.
Worthy tells you when you've reached the point where you could stop saving and let growth carry you to your goal, and what your portfolio could already pay you each year, for life.
Try the free FI calculator →
Low cost, low noise
You cut fees and complexity out of your portfolio. Your tracker should do the same.
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No brokerage logins
Nothing connects to Vanguard, Fidelity or Schwab. No credentials stored, no sync to babysit.
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No subscription
You fought for a 0.04% expense ratio. Don't pay $100 a year to look at it.
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No data on a server
Your balances live on your device. Back up to your own Google Drive, encrypted, if you want a copy.
"This app is fantastic for any DIY investors interested in building and maintaining wealth in a data-driven, disciplined, and informed way, minus the spreadsheets. Love that all the data is kept locally in an encrypted fashion, and is not being sold for ads."
The lowest expense ratio there is
No yearly fee quietly compounding against you.
Free to try: up to 5 assets, every feature.
Unlimited assets. Pay once, yours forever.
- Unlimited assets, debts, and accounts
- Auto stock & crypto price updates
- Registered & tax-advantaged account support
- 100% private, on-device storage
- No bank connection required
30-day money-back guarantee
Questions index investors ask
Is it free?
Yes. Download free and track up to 5 assets with every feature. A simple three-fund portfolio fits. Pay once only when you need more.
How do I set up a three-fund portfolio?
Create an account, add each fund by ticker and number of shares, and you are done. It takes about a minute, and prices stay current from then on.
Can I track my 401(k), IRA, Roth and HSA separately?
Yes. Create an account for each one and add the funds inside it. Worthy shows each account on its own and rolls everything up into one net worth number.
Will it tell me what to buy?
No. Worthy doesn't give investment advice, rank funds or suggest trades. It shows you where you stand, and the strategy stays yours.
Is Worthy affiliated with JL Collins or the Bogleheads?
No. Worthy is an independent app, built for people who invest this way.
Set it up once. Let time do the rest.
Free to try: up to 5 assets, every feature. Unlock unlimited for $16.99, once.
30-day money-back guarantee