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.

Net Worth Nexus is in active development and not yet enabled for general public use. The product you see described here is built and working — feature copy reflects the real product ahead of its public launch.

In the meantime you can try the interactive demo with sample data, no account required, and join the Discord to follow the build.

Two surfaces, one product: a web app at app.networth.nexus that works in any modern browser (Chrome, Edge, Safari, and others — the layout adapts to your screen), and a native iOS app for iPhone and iPad via the App Store.

Both are served by the same backend, so the numbers always match to the cent. Android support will come soon but is not yet available.

No. Manual tracking works on every tier, including Free, and is the fallback whenever nothing is linked. You can type in brokerage, retirement, crypto, real estate, checking, savings, credit card, loan, and mortgage accounts yourself — and manual investment accounts can hold tracked tickers and option contracts that are live-priced for you.

Live connections are optional upgrades: brokerage sync on Pro, banking sync on Nexus.

A try-before-you-buy tour at app.networth.nexus/demo. It renders the real app pages — Dashboard, Investments, Banking, Markets, and Time Machine — backed by sample data, with no account or email needed. Each page is tagged with the plan it belongs to (Free, Pro, or Nexus).

A short guided onboarding: you can start with just an email, then create your profile (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.

A minimum age of 13 is enforced at registration.

Three tiers:

Free ($0) — manual accounts and net-worth tracking, the Dashboard, Markets research, and the Time Machine.

Pro ($4.99/month) — everything in Free, plus live brokerage connections, portfolio analytics and the Insights desk, the trade activity ledger, live-priced positions, and the 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 Obsidian Gold theme, and priority support.

Serious manual tracking: unlimited manual accounts across investments and banking (brokerage, retirement, crypto, real estate, sportsbook, checking, savings, credit cards, loans, mortgages), tracked tickers and options with live pricing, the full net-worth dashboard with history, the complete Markets & Macro page, and the Time Machine with both rewind and Monte-Carlo fast-forward.

Pro connects your real brokerage accounts through SnapTrade and turns on the analytical machinery: live-priced positions, options, and cash across accounts; stock dossiers with tax lots and realized P&L; the Option Lab with a live Black-Scholes engine and Greeks; the Insights desk (concentration, tax engine, trade DNA, income analysis); the full trade activity ledger; and the Daily AI Briefing.

Nexus is the complete picture: everything in Pro, plus live banking through Quiltt — checking, savings, credit cards, and loans — with the Cash Motion views, spending habits and leaks analysis, recurring-charge detection, credit posture, and the banking activity ledger. Nexus also unlocks the Obsidian 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, which opens the Stripe customer portal where you can switch plans or cancel. Plan switches are prorated.

iOS (Apple): manage or cancel in your Apple ID subscription settings — 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.

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.

Run the subscription sync: Settings → Subscription → Sync. 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: [email protected].

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

For web (Stripe) billing, email [email protected] 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).

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.

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 → Data → Refresh All Data.

History needs at least two daily snapshots to draw a line. Net Worth Nexus records a snapshot of your net worth each evening — so a brand-new account shows "history is building" until a couple of snapshots exist. Give it two days 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.

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. Transport is encrypted end to end, and the usual protective headers (HSTS, frame denial, content-type protection) are enforced.

On iOS, biometric credentials live only in the device Keychain, accessible only when your device is unlocked.

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.

Our data providers — SnapTrade, Quiltt, Stripe — maintain SOC-2 certification and bank-level (256-bit) encryption. Net Worth Nexus itself is an early-stage product and does not yet hold its own SOC-2 certification; we don't claim otherwise. Minimizing what we store (no credentials, read-only data) is the core of the security model.

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 → Danger Zone → Delete Account, then type DELETE to confirm. This purges your connections, transactions, snapshots, settings, and manual data.

One guard: if a paid subscription is still active, deletion is blocked until you cancel it first (iOS deep-links you to Apple's subscription management for that).

Yes — you must be at least 13 to create an account, and registration enforces it with a birth-year gate.

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, your connected sources with per-account sparklines, latest market headlines, and — on Pro — the Daily AI Briefing.

There's also an opt-in peer comparison: a bell curve showing where your net worth sits among your age band, gender, state, or life phase.

Each evening, 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 requires Pro or Nexus and at least two daily snapshots of history.

Five suites over your real connected data: Structure (composition, concentration engine, cross-account overlap), Tax Engine (lots in profit, long-vs-short-term maturity spectrum), Behavior (profit factor, win rate, expectancy, disposition), Options Desk (expiry runway, strategy analytics), and Income (dividend and interest velocity).

A core principle: it uses only your real data — no fabricated sectors or benchmarks.

Every option contract you hold opens into a dossier with a live Black-Scholes pricing engine: sliders for spot price, implied volatility, rate, and time; computed Greeks (Delta, Gamma, Theta per day, Vega per 1%); and a scrubbable payoff canvas. It's a model for understanding your position, with the model's limits disclosed — not a trading tool.

Three suites on Nexus: Resilience (months of runway with a stress dial, income concentration and pay cadence), Habits (weekday spending signature, small-purchase leaks annualized, merchant gravity), and Commitments (fixed-vs-flexible rigidity index, a cancel simulator over detected recurring charges, and credit utilization posture).

Three feeds, refreshed twice daily: macro metrics from FRED (Fed Funds rate, CPI inflation, unemployment, PPI, GDP) with interactive charts and plain-English explainers; SEC EDGAR insider disclosures — executed Form 4 trades and planned Form 144 sales above a $100k threshold, searchable; and a compliant press wire of headlines with official-source badges linking out to originals.

No — there is deliberately no generic ticker search or arbitrary-symbol charting. Net Worth Nexus prices and analyzes what you own (via your brokerage connection), and the Markets page covers macro data, insider disclosures, and press. For symbols you don't hold, use your broker or a quote service.

Fast-forward runs about 600 Monte-Carlo paths using Geometric Brownian Motion with monthly steps and growing contributions. You steer it with the Flight Plan: presets (Cautious / Balanced / Bold) and sliders for expected return, volatility, monthly contribution, horizon, and inflation. It reports the median outcome, the 80% range, the odds of reaching your target, and the cost of waiting a year.

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

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

It's opt-in and off by default. If you enable Net Worth Comparison in Settings and provide birth year (plus optionally gender and state), the dashboard shows where you sit on a demographic percentile curve — your standing among peers by age, gender, state, or life phase. Turn it off anytime; it only ever compares aggregates, never exposes you to others.

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 → Data → 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 [email protected] 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.

The Daily Snapshot push (your net worth and day change, ~4:05 PM ET) requires: notifications enabled in Settings → Security on iOS, permission granted at the system level, and completed onboarding. If you denied permission originally, the app deep-links you to System Settings to re-enable it.

Three ways, fastest first: the support assistant in the corner of this site (it resolves most questions instantly), the Discord community, or email [email protected].

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.

Use the support assistant's "Report a bug" action — it collects exactly what we need. Or email [email protected] with your platform (web or iOS), what you did, what you expected, what happened instead, and roughly when. Screenshots help enormously.