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Net worth tracking without bank connections - ever

Start free with 12-month history. Manual monthly snapshots keep your bank credentials private. No sync, no APIs, no risk, no credit card required.

Start free - no bank sync Learn more

No credit card required

Bank sync sounds convenient, but it comes with trade-offs: sharing credentials, dealing with broken connections, and trusting third parties with your financial data. MonthlyWorth is built entirely around manual entry. You update your balances once per month through a guided wizard, and the app handles charts, history, and reminders. No sync means no credential risk and no maintenance headaches.

Why MonthlyWorth?

  • Start free with 12-month history - no credit card required
  • No bank or brokerage connections ever - completely manual
  • Responsive web-based: works on desktop, tablet, and mobile
  • CSV import for easy migration from spreadsheets
  • Free tier forever or $3/month or $24/year for unlimited history

Key Features

Everything you need for private, manual net worth tracking

Manual entry workflow: guided 3-step wizard for monthly snapshots
Monthly snapshots only - no transaction tracking or daily syncing
Three chart types: net worth trends, category stacks, allocation treemap
Custom categories with archiving, ordering, and historical editing
150+ currencies with smart locale formatting and browser detection
Complete account deletion and history management from settings

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. 1

    2-minute onboarding: create custom asset and liability categories

  2. 2

    Update balances once per month via guided 3-step wizard

  3. 3

    View 3 chart types with net worth trends and allocation instantly

  4. 4

    Edit any historical month or export CSV backups anytime

Bank-free security by design

  • Secure Clerk authentication with JWT tokens - no bank credentials needed
  • Database-level data isolation protects each user's financial data
  • Manual-only entry means zero external API connections or sync risks
  • Encrypted data in transit (HTTPS) and at rest for complete protection
  • Full account deletion and data export controls from settings

Frequently Asked Questions

Can I track net worth without linking my bank account?
Absolutely. MonthlyWorth is designed exclusively for manual updates - no bank sync, no APIs, no brokerage connections. You enter values once per month via a guided 3-step wizard.
Is manual entry better than automatic sync?
For privacy-conscious users, yes. Manual entry means your bank credentials never leave your control, and you intentionally review your finances each month. Plus, you track what matters without transaction noise.
What features do I get without bank sync?
All features: three interactive chart types, custom categories with icons, 150+ currencies, CSV import/export, historical editing, monthly email reminders, and Premium Insights for paid users (all-time high, YTD growth, etc.).
How is this different from budgeting apps?
MonthlyWorth focuses on net worth tracking (assets and liabilities) with monthly snapshots, not daily transaction budgeting. It's simpler, more private, and designed for high-level financial visibility without transaction clutter.

Ready to get started?

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

Start free - no bank sync

No credit card required

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