DecentWealth v1.4: Your Portfolio on the Apple Watch, Cash Accounts, and 44 Currencies

Both headline features in this release came straight from you. Some of you told us the Apple Watch is your go-to device and you wanted your whole portfolio there, not just a shortcut back to your phone. Others pointed out something obvious that we'd been quietly ignoring: the cash sitting in your bank is part of your net worth too, and leaving it out meant the total never quite told the truth. So version 1.4 fixes both. Here's what's new.

1. The Apple Watch App, Rebuilt from the Ground Up

We didn't tweak the watch app. We rebuilt it. If you've been glancing at your wrist and getting a stripped-down version of your portfolio, that era is over.

Your Portfolio on the Watch Face

Complications now come in all four styles, so your net worth can sit right on your watch face next to the time, the weather, and your rings. Pick the layout that fits your face and your portfolio is there the moment you raise your wrist. No tapping, no opening the app, no waiting.

Every Holding, Its Own Daily Change

The rebuilt app shows each holding with its own daily change, not just one blended number for the whole portfolio. You can see at a glance which position is carrying the day and which one is dragging, straight from the watch, without reaching for your phone.

Already Current When You Glance

We wired in a proper background refresh, so the number on your wrist is already up to date by the time you look at it. No spinner, no "pull to refresh," no stale figure from three hours ago. You glance, you know, you move on.

2. Cash Accounts: Track Your Savings in 44 Currencies

For a long time, DecentWealth could show you almost everything you own. Almost. The cash in your bank account was the missing piece, and for a net worth tracker, that's a strange thing to leave out. Version 1.4 closes the gap.

Cash That Counts Toward Your Net Worth

You can now create cash accounts and track your savings across 44 currencies. That balance counts toward your net worth, sitting cleanly alongside your stocks, crypto, and physical gold as its own asset category. When you want to know what you're actually worth, the answer finally includes the money in the bank.

Cash That Moves the Way Your Money Does

This isn't a static number you type in and forget. Your cash accounts are wired into your transactions:

• Sell a stock, and the proceeds land in the account you choose.
• Buy one, and it's paid from that account.

Flip the "Pay from cash account" toggle when you log a transaction, and your cash balance updates the way it would in real life. Your portfolio and your cash stop living in two separate worlds and start behaving like one set of books, which is what they always were.

3. Still No Sign-Up. Still Yours.

None of this changes the one thing that matters most. Adding your bank balance to DecentWealth does not mean connecting your bank, handing over credentials, or routing anything through our servers. You enter your cash accounts yourself, and they live on your device, exactly like the rest of your portfolio.

There's still no account to create, no email to hand over, and no sign-up wall between you and your own numbers. Your net worth, cash included, stays strictly on your iPhone, iPad, and Apple Watch. Nobody sees it but you. That's the whole point of DecentWealth, and it isn't going anywhere.

Get the Update Today

Version 1.4 is officially live and available for download on the iOS App Store.

As always: no accounts, no tracking links, no server of ours. Your financial data stays yours.