Net Worth
Assets minus debt, at a glance
The real scoreboard, updated as you go — not a dozen dashboards you never open.
01 · The idea
Your money stays yours.
No account to create. No cloud sync you didn't ask for. No ads, no tracking. Karpos is a calm, deterministic tool — the same inputs always give the same honest answer, fully offline.
02 · What you see
The few numbers that actually move the needle.
The Pareto view
See the 20% draining 80%
Your spending, color-coded so the biggest leak is obvious at a glance.
Lifestyle wasteEssentialsWealth-buildingDebt paydown
Savings Rate
The one number that predicts freedom
Shown as a live gauge against your target — the single metric that tells you if you're getting ahead.
Budgets · Goals · Habits
Small moves that compound
Category limits that adapt in real time, goals you name and track, and the repeatable behaviors that build freedom.
03 · Karpos Pro
Free forever core. Upgrade once for the coach.
The full tracker is free, always. One-time Pro unlocks an on-device financial coach that turns your numbers into a plan, plus advanced insights and projections. Pro changes what the app can do — never where your data goes. No subscription.
03b · See it
Net worth, the Pareto view, and the coach.
The scoreboard, the spending breakdown, and Pro's on-device financial coach.
A real net-worth check in Karpos
Watch the Pareto view surface the 20% of spending draining 80%, fully offline.
03c · What you get
Offline money clarity, no account required.
The real scoreboard, always current
Net worth — assets minus debt — updated as you go, instead of a dozen dashboards you never open.
See the leak, not just the total
The Pareto view color-codes spending so the 20% draining 80% of the budget is obvious at a glance.
One number that predicts freedom
Savings rate shown as a live gauge against your target — the single metric that tells you if you're getting ahead.
Nothing leaves your device
No account, no cloud sync, no ads. The same inputs always give the same honest answer, fully offline.
04 · Built on principle
Karpos doesn't chase engagement or sell your attention. It's a calm, honest tool for understanding and improving your own money. Not a bank, brokerage, or advisor — a personal instrument you own.