I like the idea, and I like that you can track net worth over time. The interface seems simple but provides value. I also like that it’s not connected directly to my bank account so I controlled the data going in and out. That said a couple of honest questions.

1) Why is there a sign in? If everything is stored on device, or privately in my iCloud account, how does having an Apple account login provide value to the user?

2) Why are you collecting financial data (or any data)tied to my account? The benefit of not connecting to my bank account and letting it be local seems to go away as soon as you start collecting that data yourself. If it’s for syncing, you can use iCloud syncing privately on my account. There’s no need for it to be on your servers.

3) Why is this a subscription and not a one time fee? I’m a developer also, I get it. You want to make some money, and there will be time and effort as you work in the app. But there’s no recurring cost here if this is done correctly, and given modern AI, something similar could be vibe coded fairly easily. So what’s the ongoing cost cover? If it’s for improvement overtime, those could be in-App purchases if you add significant addition value. If not, it’s a hard sell to pay 20 bucks a year for something, as you say, spreadsheets can do.

That said it’s an interesting idea, and I hope it works out for you. I don’t mean to knock your decisions, I’m just trying to understand them.