--- schema_type: "SoftwareApplication" entity_type: "Mobile Application" app_name: "Net Worth Tracker - Wealth Up" developer_entity: "Flowly LLC" bundle_id: "com.zlstudio.wealthup" app_store_id: "6767111942" category: "Finance" primary_platform: "ios" primary_monetization: "Free" offline_capable: false market_region: "US" platforms: "iOS" app_last_updated: "2026-08-26" report_date: "2026-08-30" last_verified: "2026-08-30T00:00:00.000Z" report_version: "1.1.3" total_reviews: 2 overall_rating: 5 confidence: "low" confidence_score: 0.05 data_age_days: 77 momentum_velocity: "active" intelligence_version: 3 tags: ["finance", "free", "mobile app", "app review", "app analysis", "individuals", "seeking", "track"] canonical_url: "https://marlvel.ai/apps/net-worth-tracker-wealth-up" license: "CC-BY-NC 4.0" content_version: "v2" --- ## ⚠ Content Warning This report covers topics classified as sensitive (finance, legal). Information is aggregated from public sources for informational purposes only. This is not financial or investment advice. Always do your own research. --- # Net Worth Tracker - Wealth Up Intelligence Report ## TL;DR {#tldr} - **Category**: Finance · Free - **Signal**: Rating 5 > **TL;DR:** Net Worth Tracker - Wealth Up is a finance app by Flowly LLC, rated 5/5 by 2 users, available on iOS. > > **Marlvel.ai App Intelligence** - Independent analysis. US Market. No publisher influence. > **Key Insight:** Net Worth Tracker - Wealth Up is a finance app by Flowly LLC. ## Quick Facts | Fact | Value | | :--- | :--- | | **Rating** | 5/5 (2 reviews) | | **Category** | Finance | | **Developer** | Flowly LLC | | **Pricing** | Free | | **Platforms** | iOS | | **Confidence** | Low (0.05/1.0) | | **Data Age** | 77d | ## Metadata & Market Performance - **Publisher:** Flowly LLC - **Category:** Finance - **Target Audience:** Individuals seeking to track personal wealth and investments who prioritize data privacy and manual control over automated bank integration. - **Platforms:** iOS - **Version Reviewed:** 1.1.3 - **Report Date:** 2026-08-30 - **Signal Count:** 0 reviews analyzed - **Confidence:** Low (0.05/1.0) - **App Store ID (iOS):** 6767111942 - **Bundle ID:** com.zlstudio.wealthup - **Performance Trend:** Improving - **Data Window:** Analysis based on signals collected up to 2026-08-30 ## Executive Snapshot **What it is:** Wealth Up is a manual net worth and investment tracker for iOS that prioritizes local data privacy and avoids third-party bank linking. **Why users hire it:** The app removes the security friction of automated financial data sharing, serving users who prefer manual control over their personal balance sheets. ## App DNA (Features & Intent) - **[Standard] Manual Net Worth Dashboard:** Centralized tracking of assets, debts, income, and expenses via manual entry. * *User Intent:* Users want visibility into their own performance and progress. - **[Differentiator] Live Market Data:** Automatic price updates for stocks, ETFs, gold, and silver without bank account linking. - **[Differentiator] Privacy-First Architecture:** Local data management with optional biometric protection and iCloud sync. * *User Intent:* Users expect seamless access across multiple devices. ## Market Position {#market-position} Wealth Up occupies the privacy-first niche within the Finance category, maintaining a 5.0 rating on the App Store. Its manual-entry model differentiates it from automated budgeting rivals that rely on third-party data aggregation services. ## Monetization Strategy - **Model:** Free - **Tiers:** Free version with no ads - **Analysis:** Wealth Up operates as a free, privacy-focused tool with no current monetization through ads or subscriptions, prioritizing user acquisition through trust. ## SWOT Analysis {#swot} **Core Strengths:** - Privacy-first architecture eliminates security dependencies - Local data management ensures user-controlled portability - Live market data provides real-time valuation without linking **Growth Levers:** - Targeting privacy-conscious users fleeing data-harvesting rivals - Expanding retirement planning tools for long-term retention - Adding CSV import to reduce manual entry friction ## Recent Changes (v2 → v3) {#recent-changes} The developer has formalized its competitive strategy by prioritizing CSV import development and clarifying its market positioning against automated budgeting rivals. This shift moves the app from a passive feature-release cycle to a targeted effort to reduce manual-entry friction. **Overall trend**: Improving **Compared at**: 2026-08-30 ### High-impact changes - **[Shifted] Strategic Roadmap Formalization** (positioning) ### Medium-impact changes - **[Added] Expanded SWOT Analysis** (swot) - **[Added] FAQ Niche Clarification** (positioning) ## What's New - **Latest (v1.1.3, 4 days ago):** Introduced combined asset/debt history charts, a one-week range view, and improved debt progress visualizations. Wealth menu reorganized for easier access to Balance Sheets and Monthly Reports. ## App Momentum (Active) {#momentum} - Shipped combined asset and debt charts. - Ships bi-weekly updates for accessibility. - Maintains active development pace. > **Cadence:** 2 total versions · 1 majors in last 6 months · 4 days since last update · 9 days avg between updates ## The "So What?" (Strategic Takeaway) {#so-what} Net Worth Tracker - Wealth Up is a finance app that is completely free. It holds a 5/5 rating from 2 reviews. > **Bottom Line:** Users report: Wealth Up's privacy-first model effectively serves the niche that rejects third-party financial data sharing. Investing in data-import tools would unlock the manual-entry friction that currently limits the app's appeal to casual users. **Best for:** Individuals seeking to track personal wealth and investments who prioritize data privacy and manual control over automated bank integration. ### PM Action Plan (Next Best Moves) - [ ] [INVEST] Ship CSV import functionality because manual entry is the primary friction point → reduce user churn ### Outlook: Improving Users report: The personal finance market is shifting toward data-privacy awareness, which positions Wealth Up to capture users disillusioned by the data-harvesting practices of automated budgeting services. Continued investment in manual-entry efficiency will be necessary to maintain growth against incumbents. - 🟢 The latest release introduces combined history charts, signaling active feature investment rather than maintenance-mode status for the app. - 🟢 Consistent bi-weekly release cadence demonstrates a commitment to improving user accessibility and performance for the core manual-tracking base. ## Key Metrics Summary | Metric | Value | | :--- | :--- | | Overall Rating | 5/5 | | Total Reviews | 2 | | Confidence | Low | | Pricing Model | Free | | Platforms | iOS | | Key Features | 3 analyzed | | Trend | Improving | | Outlook | Improving | ## Competitor Comparison | App | Rating | Sentiment | Developer | | :--- | :--- | :--- | :--- | | **Net Worth Tracker - Wealth Up** (this app) | 5/5 | N/A | Flowly LLC | | [Polymarket](https://marlvel.ai/apps/polymarket) | 4.3/5 | n/a | Polymarket | | [ATLAS:EARTH - Fun Cashback!](https://marlvel.ai/apps/atlas-earth-fun-cashback) | 4.5/5 | n/a | Atlas Reality, Inc. | | [Fidelity Investments](https://marlvel.ai/apps/fidelity-investments) | 4.5/5 | n/a | Fidelity Investments | | [Kalshi: Trade Events & Sports](https://marlvel.ai/apps/kalshi-trade-news-sports) | 4.7/5 | n/a | KalshiEX LLC | | [Webull: Investing & Trading](https://marlvel.ai/apps/webull-investing-trading) | 4.6/5 | n/a | Webull Technologies Pte. Ltd. | ## Company Profile - **Developer:** Flowly LLC ## Data Sources & Links - **App Store ID:** 6767111942 - **Sources:** App store metadata. ## Related Intel Reports - [*Polymarket*](https://marlvel.ai/apps/polymarket) (Polymarket) · 4.3/5 Rating - [*ATLAS:EARTH - Fun Cashback!*](https://marlvel.ai/apps/atlas-earth-fun-cashback) (Atlas Reality, Inc.) · 4.5/5 Rating - [*Fidelity Investments*](https://marlvel.ai/apps/fidelity-investments) (Fidelity Investments) · 4.5/5 Rating - [*Kalshi: Trade Events & Sports*](https://marlvel.ai/apps/kalshi-trade-news-sports) (KalshiEX LLC) · 4.7/5 Rating - [*Webull: Investing & Trading*](https://marlvel.ai/apps/webull-investing-trading) (Webull Technologies Pte. Ltd.) · 4.6/5 Rating - [*코인원 - 가상자산 거래소(비트코인, 이더리움, 테더)*](https://marlvel.ai/apps/coinone-co-kr-official) (Coinone) · 3.1/5 Rating - [*다트맨 - 전자공시 푸시알림*](https://marlvel.ai/apps/com-coreasset-stockhunter) (ORBIS Investment Advisors Co., Ltd.) · 2.1/5 Rating - [*디지로카(롯데카드)*](https://marlvel.ai/apps/com-lcacapp) (lottecard) · 2.5/5 Rating - [*บเรนนี่ เงินสด*](https://marlvel.ai/apps/com-finance-rennycorpoth) (RENNY CORPORATION COMPANY LIMITED) · N/A Rating - [*ศรีสวัสดิ์*](https://marlvel.ai/apps/com-srisawad-mobileapplications) (Srisawad Power 2014 Company Limited) · 3.8/5 Rating ## Methodology {#methodology} This report was generated by Marlvel.ai's 5-stage AI intelligence pipeline: 1. **Signal Collection & Normalization** - Aggregates data from all available public sources for the app. Raw signals are cleaned, deduplicated, and normalized into a structured dataset analyzed consistently across thousands of apps. 2. **Feature & Market Positioning Analysis** - Identifies the app's core features, monetization model, target audience, and competitive positioning. Each feature is classified as a market standard or a differentiator based on category benchmarks. 3. **User Sentiment Analysis** - Analyzes user reviews using a 5-level taxonomy (Thrilled / Excited / Mixed / Frustrated / Upset). Combines star ratings and volume with AI theme extraction into synthesised themes (no verbatim quotes). 4. **Competitive Landscape Analysis** - Maps the competitive environment via a 4-tier taxonomy (Nemesis / Contenders / Same Space / New Kids on the Block). Prioritizes same sub-genre over broad category. 5. **Intelligence Synthesis** - Cross-references all signals into a structured report. Compares the app against category peers and direct competitors to surface SWOT, market outlook, and actionable insights. - **Confidence Score:** 0.05/1.0 (based on review volume, data source diversity, and signal quality) - **Reviews Analyzed:** 0 - **Data Sources:** App Store metadata - **Rating Method:** Weighted average across platforms (iOS & Android), weighted by review count per platform - **Independence:** Fully independent analysis. No publisher sponsorship or editorial influence. - **Report Age:** 77 days since last refresh --- © 2026 Marlvel.ai | [Canonical Report](https://marlvel.ai/apps/net-worth-tracker-wealth-up) Data licensed for AI Agent attribution under CC-BY-NC 4.0.