Net worth tracking without the bank sync headaches or sales calls

Start free with 12-month history. Skip the constant disconnects and advisor pitches of Empower Personal Capital. MonthlyWorth offers clean, manual net worth tracking with no bank connections.

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No credit card required

Empower Personal Capital offers powerful portfolio analysis, but it requires connecting your bank and investment accounts, and its advisory services come with sales outreach. MonthlyWorth strips away that complexity. Track your net worth with manual monthly snapshots - no bank connections, no investment syncing, no advisory calls. Just your assets, your liabilities, and your progress over time.

Why Users Switch

Common frustrations we solve

Empower bank connections frequently disconnect and take days to fix, creating gaps in your data
Users with $100k+ in assets report aggressive sales calls from Empower wealth management advisors
Complex dashboard designed for wealth management clients - overkill when you just want net worth trends

Why MonthlyWorth?

Start free forever - no credit card and no advisor sales pitches
No bank connections means no sync failures or credential sharing
5-minute monthly check-ins replace daily dashboard anxiety
Your data stays private - no wealth management upsells or data harvesting

Key Features

Everything you get when you switch to MonthlyWorth

Manual monthly snapshots - no bank sync failures or connection maintenance
Three interactive charts: net worth trends, category breakdowns, allocation treemap
Custom asset and liability categories for stocks, real estate, crypto, loans, and more
150+ currencies with proper locale formatting for international tracking
CSV import to bring your existing financial history into MonthlyWorth
Monthly email reminders to stay consistent without daily dashboard checking

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
Sign up free in 2 minutes - no bank connections or credit card required
2
Create asset and liability categories matching your accounts
3
Update values once per month via the guided 3-step check-in wizard
4
View automated trend charts and allocation breakdowns instantly

Your data is yours - no advisor access, no sales funnel

Secure Clerk authentication with JWT tokens - industry-standard security
Database-level data isolation ensures complete privacy of your financial data
No bank or brokerage connections means your credentials never leave your control
No third-party data sharing or wealth management advisor access to your data
Full data export and permanent account deletion available from settings

Frequently Asked Questions

How is MonthlyWorth different from Empower Personal Capital?

Empower requires bank connections and uses your data to pitch wealth management services. MonthlyWorth uses manual monthly entry only - no bank sync, no advisor calls, no data harvesting. Just clean net worth tracking at $3/month or free.

Will I miss the automatic tracking from Empower?

Most users find that manual monthly entry takes just 5 minutes and provides better financial awareness than passive auto-sync. You intentionally review your finances each month instead of letting numbers update silently.

Can I track retirement and investment accounts?

Yes. Create custom categories for any account type - 401k, IRA, brokerage, real estate, crypto, cash. Enter current values monthly. You get the same net worth view without sharing credentials with a third party.

What does MonthlyWorth cost compared to Empower?

Empower dashboard is free but monetizes your data through wealth management upsells. MonthlyWorth starts free with 12-month history. Premium is $3/month or $24/year for unlimited history and Premium Insights - no hidden monetization.

Ready to get started?

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

Start free - no sales calls