JxFinances: Net Worth Vault

JxFinances is a private vault for your net worth. Every balance, every goal and every projection is worked out on your phone and stays there. There is no account to create, no sign-up, no sync, and nothing to opt out of. TRACK WHAT YOU ACTUALLY OWN • Current accounts, savings, fixed-term deposits, investments, pensions, crypto, property, loans and credit cards • Nine currencies including EUR, USD, GBP, JPY, CHF, BTC and ETH, converted into the one you think in • A net-worth chart over a day, a week, a month, a year, five years or the whole history you have recorded; i.e.: as a single total or account by account • A record of every balance you enter, so the history is yours to correct WORK OUT WHAT IT MEANS • Projected interest over the next twelve months from the rates you enter, and a plain warning about cash sitting somewhere with no rate at all • Where your net worth sits against households your age, from published reference data, compared on the device • Named savings goals with a target, an optional deadline and the monthly contribution needed to land on it • A FIRE projection with Monte Carlo bands, so the answer is a range rather than a false certainty AN AI ADVISOR, IF YOU WANT ONE The advisor is optional and runs on your own AI account. Use Anthropic, any OpenAI-compatible provider, or a model running on your own machine on your own network. With no provider configured, the advisor simply does not appear. Your API key and server address are never included in a backup. PRIVACY, SPECIFICALLY • No analytics, no advertising, no tracking libraries of any kind • No bank credentials are ever asked for, because no bank is ever contacted • The only network requests are exchange rates, crypto prices, and the AI provider you configured yourself • With no AI provider set up, and rates left alone, nothing leaves the device • Unlocked with your fingerprint or face ALSO INCLUDED • Home-screen widget, with an option to hide the amounts • Optional weekly digest notification • Backup and restore to a file you choose, plus CSV export of your balance history • English and Spanish WHAT THIS IS NOT JxFinances does not connect to your bank. Balances are entered by hand , that is the point of it, and it is why the app never needs your banking credentials. If you have configured the AI advisor, it can also read a statement you give it and suggest entries for you to review before anything is saved. It is a record of what you own, not a budgeting or expense-tracking app.