Build a monthly check-in habit that sticks

Start free with 12-month history. A guided 3-step wizard turns net worth tracking into a 5-minute monthly ritual. Get email reminders, automatic charts, and a clean history without daily logging.

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No credit card required

Daily transaction tracking creates noise. Monthly net worth check-ins create clarity. MonthlyWorth is built around a simple ritual: once a month, spend 5 minutes updating your balances through a guided wizard. Over time, you build a clear picture of your financial trajectory without the burden of daily categorization, receipt scanning, or budget management.

Complexity You Don't Need

Common frustrations we solve

Budget apps require daily engagement with transaction categorization - unsustainable long-term
Don't need to track every coffee purchase - just want to see net worth trends
Previous tools demanded so much time that you stopped using them after a few months

Why MonthlyWorth?

Start free - no credit card required to begin tracking
5-minute monthly habit replaces hours of daily transaction management
Responsive design: quick check-ins work on any device
Free tier: perpetual 12-month history access forever
Sustainable habits: monthly tracking is proven to stick long-term

Key Features

Minimal features for maximum financial clarity

Monthly 3-step check-in wizard: select month, enter values, review and save
Big-picture charts: net worth trends, category allocation, historical breakdowns
Custom categories for any asset or liability - stocks, loans, crypto, real estate
Historical editing: backdate snapshots or correct past values anytime
150+ currencies with smart locale formatting and browser detection
Optional monthly email reminders - never miss a check-in

See MonthlyWorth in Action

A visual overview of how the app helps you track your net worth

MonthlyWorth dashboard showing current net worth and month-over-month change

MonthlyWorth category allocation and breakdown

MonthlyWorth net worth trend chart over time

MonthlyWorth detailed financial overview

How It Works

Get started in minutes

1
Set up once: create your asset and liability categories in 2 minutes
2
Monthly 5-minute ritual: update current values for each category
3
View automated charts showing your net worth trend and allocation
4
Stay consistent with optional email reminders at month-end

Privacy-first monthly tracking

Secure Clerk authentication protects your account and financial data
Database-level isolation: your monthly snapshots stay completely private
No bank connections means your credentials never leave your control
Encrypted data in transit (HTTPS) and at rest for complete protection
Full data export and deletion controls from settings

Frequently Asked Questions

How is monthly tracking different from budgeting apps?

Budgeting apps track daily transactions and spending categories - requiring constant engagement. MonthlyWorth tracks your net worth (assets minus liabilities) once per month for a high-level wealth view without transaction noise.

Can I build a sustainable habit with monthly check-ins?

Yes. Monthly check-ins are realistic and sustainable - 5 minutes per month vs hours categorizing daily transactions. Simplicity leads to consistency, and consistency builds lasting financial awareness without burnout.

What if I miss a month?

No problem. You can backdate snapshots anytime using historical editing. MonthlyWorth lets you fill in past months whenever you remember, so you never lose your financial history or momentum.

Do I need to track transactions or expenses?

No. MonthlyWorth is designed exclusively for net worth tracking - the big picture. You don't track individual transactions, spending categories, or budgets. Just update your total account balances once per month.

Ready to get started?

Join MonthlyWorth today and start tracking your net worth with privacy and control.

Start your first check-in