Why does Worthbase exist?
Most households that care about their net worth end up with a spreadsheet. It starts well, then falls behind: a broker changes its export format, a currency needs converting, a sale needs a cost base nobody wrote down, and the file stops being something you believe.
Bank-sync apps solve the updating by asking for your bank and broker passwords, and still struggle with property, retirement accounts, trusts and holdings in several currencies. General-purpose AI assistants can read any statement you give them, but they forget everything between conversations and can get the sums wrong.
Worthbase splits the work. Your AI does what it's good at: reading PDFs, CSVs and screenshots and turning them into structured rows. Worthbase does what a ledger has to do: validate every row, show you a preview, store it permanently, calculate with exact decimals, price holdings daily, and keep a history you can audit. You get a household balance sheet you can trust, without handing anyone your banking credentials.
What principles is it built on?
- Exact numbers. Money is stored in whole minor units and calculated with exact decimals, never floating point. Rounding follows written rules. Your AI quotes Worthbase's figures instead of working them out.
- Preview before writing. Every write is previewed first, including duplicates, conflicts and statement mismatches, and saved only when you confirm.
- Audit and undo. Every row records which file and row it came from, who added it, through which app and when. Any batch can be undone; undo replays the ledger and refuses if the result would be inconsistent. Nothing is hard-deleted.
- Your data is yours. You can export everything at any time, even after you cancel. There are no bank or broker logins, and Worthbase never moves money or places trades.
- Not advice. Worthbase is a record-keeping and information tool. It shows your figures, including gains, losses and simulated sales, but it doesn't tell you what to buy, sell or hold, and it doesn't calculate tax.
How these are enforced is on the security page.
What isn't Worthbase?
It isn't a budgeting app: it doesn't sync bank feeds or categorise spending. It isn't tax software, a broker, a bank or an adviser. It isn't a chatbot that stores your finances in a conversation: the ledger lives in Worthbase, and any AI app you connect reads the same workspace.
Who makes Worthbase?
Worthbase is built in Australia by Sanjay Bhagia, for households anywhere and in any currency. It's operated by Arigato Consulting Pty Ltd (ACN 657 703 065), a company registered in New South Wales, Australia. The terms and privacy policy set out how the service and your data are handled.
How do I contact Worthbase?
- Help with your account, billing or setup: support@worthbase.app
- Privacy questions and data deletion: privacy@worthbase.app
- Security issues: security@worthbase.app