About

Networthing was built out of frustration with a specific gap: high earners with equity compensation don't have a good tool for thinking about their financial future.

Budgeting apps are designed around transactions and categories. Net worth trackers show you a snapshot today. Spreadsheets can model anything in theory, but quarterly vesting schedules, market-linked growth, and compounding income quickly turn them into maintenance nightmares. Financial advisors are valuable, but they model your situation once — not every time your grants change or your target changes.

The people this tool is designed for have a different problem. They aren't worried about whether they can afford rent this month. They're trying to answer questions like: if I stay at this company for three more years, what does my liquidity actually look like? How much of my net worth is tied up in unvested equity? If I take a lower-salary role with a larger grant, what does the trajectory look like over a decade?

These questions require a forward projection engine — one that models your compensation structure, applies realistic assumptions, and runs month-by-month to show you how income, growth, and compounding interact over time.

Networthing is that tool. You enter your current financial state: net worth broken out by account type, salary and bonus structure, and full RSU grant details including vest schedules. The simulator runs a deterministic monthly projection and shows you exactly how your financial position evolves given your inputs.

It is not a budgeting app. It does not give advice. It models the trajectory of your financial state so you can reason clearly about your own situation.