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PrivateWorth Open Vault
Private local-first finance tracker

Your net worth, stored in your own encrypted vault.

Track your assets, debts, and net worth in a private encrypted vault file — without a login, bank connection, or cloud account.

Start v2 demo How privacy works
✓ No bank sync ✓ No account ✓ Encrypted vault file backup
Net worth $284,750
Assets$412,100
Debts$127,350
Private by designYour wealth data stays inside your browser and your encrypted vault file.
Manual by designNo broken bank sync or invasive data aggregation.
Your vault, your fileSave the encrypted .pwv file wherever you want: computer, iCloud, Google Drive, Dropbox, or USB.
PrivateWorth vault app

Open your wealth vault

Create or open your encrypted vault, update your assets and debts, then save a fresh backup file.

Vault status Demo vault loaded

Demo data is loaded. Create a vault when you’re ready to protect your own numbers.

Unsaved changes: no
01 Create

Start a private wealth vault with a strong passphrase.

02 Track

Add assets and debts manually. Nothing is uploaded or synced.

03 Save

Download the encrypted .pwv vault file and keep it somewhere safe.

Use a long passphrase. It is used locally and never leaves your browser.

No recovery backdoor. If this passphrase is lost, the vault cannot be recovered.

Password strength Not entered

Use at least 12 characters. A memorable phrase with several words is best.

Important: PrivateWorth cannot reset vault passwords. Your password is used to unlock the encryption key inside your browser. There is no account, server, or recovery backdoor.
Vault
Save
🔒 Your vault is encrypted on this device.PrivateWorth cannot access, recover, or reset your vault data.
⚠️ No recovery backdoor.If you lose your passphrase, the encrypted vault file cannot be opened.
AES-GCM encryptionModern browser-native encryption.
PBKDF2 key derivationPassphrase hardened with 600,000 PBKDF2-SHA256 iterations.
No server storageYour data stays in your encrypted vault file.
First-time setup

Set up your wealth vault in five minutes.

A focused first run: create your vault, add one asset, add one debt, save a snapshot, then export a backup.

Setup progress 0/5
✅ Once complete: your vault is set up. Next step: keep it updated over time with quick snapshots and fresh backups.
Vault unlocked Sensitive values are visible on this device.
● Unlocked
Dashboard

Your private wealth snapshot

Your encrypted dashboard for assets, debts, net worth, and vault status.

Vault updated just now
Net worth $0 Assets minus debts
Encrypted vault snapshot
Assets tracked0 entries
Debts tracked0 entries
Vault storageEncrypted vault file
Total assets
↗
$0
Total debts
↘
$0
Debt ratio0%Debt divided by total assets.
Equity position0%How much of your assets you actually own.
Largest category—Add entries to see concentration.

Vault health score

Demo
0/100

Add assets, debts, and snapshots to calculate a simple private vault health score.

Vault factors

Debt load, cash position, snapshot movement, and concentration risk.
What changed —

Save at least two snapshots to compare month-over-month movement.

Biggest drivers

Snapshot comparison will appear here.
Vault insight · Pro
No changes to analyze yet.

Asset allocation

How your tracked wealth is distributed
Manual values
0%largest bucket
Tip: Save a snapshot whenever you update several values. This keeps your trend meaningful.

History

Save a snapshot whenever you update your vault. This creates a clean net worth timeline.

Net worth timeline

Save Snapshots to track your wealth over time.
Tip: Start with your largest assets and debts first. You can add smaller items later.

Add Asset to Vault

Cash, investments, property, vehicles, collectibles.

Add Debt to Vault

Loans, credit cards, mortgage.

Asset allocation

Manual breakdown

Debt breakdown

What you owe

Assets in Vault

Debts in Vault

PrivateWorth Pro

Suggested paid layer for the finished product.
$29 one-time
Encrypted vault filesCreate and open password-protected .pwv files.
PDF reportsGenerate a clean net worth report for your records.
Net worth timelineTrack snapshots and month-over-month progress.
Smart insightsSee what changed between snapshots.

For this prototype, Pro locking is simulated. In the real website, this connects to Stripe or a license key.

Vault Control Center

Save backups, reports, exports, and emergency summaries from one place.
Backup status
Vault backup reminder No vault backup marked yet

After downloading your encrypted vault file, mark the backup so you know it is safely stored.

Exports Portable vault records

Download reports and CSV files locally. Your vault stays private.

Vault Checklist

Track whether important wealth records exist without uploading documents.
0 complete

Vault-only focus: PrivateWorth tracks what exists and where to find it. It does not store documents, scan files, track expenses, or become a budgeting app.

Emergency Wealth Summary

Prepare a printable summary of your financial position.
Vault feature

Download a clean emergency wealth summary with net worth, assets, debts, notes, document reminders, and last-updated dates. It is generated locally in your browser.

Simple pricing direction

Start free. Charge for vault power.

A clean monetization path once the product becomes real.

Free

$0

Basic wealth tracker, local demo storage, manual entries.

  • Assets and debts
  • Dashboard
  • Manual JSON export
Recommended

PrivateWorth Pro

$29

One-time purchase for privacy-focused users.

  • Encrypted vault files
  • PDF reports
  • Advanced history tools
  • CSV export
  • Vault backup reminders
  • Vault health score
  • Per-account value history
Privacy model

No account. No bank connection. No cloud database.

PrivateWorth is designed so users keep control of their own wealth data.

Encrypted vault fileYour vault is encrypted in the browser before download.
User-controlled storageSave the vault file to your computer, iCloud, Google Drive, Dropbox, or USB.
No recovery backdoorIf the passphrase is lost, the vault cannot be recovered.
FAQ

Questions users will ask

How does it work without login?

The website runs the interface. The user’s wealth data is stored in their own encrypted vault file, not in your database.

What happens if browser cache is cleared?

The encrypted vault file remains private wherever the user saves it. They can reopen it with their passphrase.

Can PrivateWorth see user data?

No. Encryption and decryption happen inside the browser. The business does not need to store financial data.