Track net worth without the budgeting overhead of YNAB

Start free with 12-month history. If you use YNAB just for net worth reports, MonthlyWorth gives you dedicated tracking with trend charts at $3/month - no envelope budgeting required.

Start free - skip the budget Learn more

No credit card required

YNAB excels at zero-based budgeting, but if your goal is net worth tracking rather than expense management, it's more tool than you need at $14.99/month. MonthlyWorth focuses specifically on net worth: monthly snapshots, trend charts, and allocation breakdowns at $3/month. Skip the daily transaction categorization and spend 5 minutes once a month on what actually matters - your overall financial position.

Why Users Switch

Common frustrations we solve

YNAB costs $14.99/month but you only use the net worth report - the budgeting features go unused
YNAB requires learning envelope budgeting with a 2-4 month learning curve before it clicks
Daily transaction categorization in YNAB demands constant attention you do not have time for

Why MonthlyWorth?

Start free forever - no credit card required for 12-month history
$3/month vs $14.99/month for YNAB - save $144/year on net worth tracking
5-minute monthly check-ins replace hours of weekly budget maintenance
No learning curve - the guided wizard works from day one

Key Features

Everything you get when you switch to MonthlyWorth

Dedicated net worth tracking - no budgeting system to learn or maintain
Three interactive charts: net worth trends, category breakdowns, allocation treemap
Custom asset and liability categories - same flexibility as YNAB tracking accounts
150+ currencies with proper locale formatting for international users
CSV import to bring your existing financial history into MonthlyWorth
Monthly email reminders replace the daily YNAB check-in habit

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 envelope budgeting setup needed
2
Create asset and liability categories matching your accounts
3
Enter current values once per month via the guided 3-step wizard
4
View net worth trends, allocation, and month-over-month changes instantly

Focused security for focused tracking

Secure Clerk authentication with JWT tokens - industry-standard security
Database-level data isolation keeps your financial data completely separate
No bank connections required - optional manual-only tracking for full privacy
End-to-end encryption in transit and at rest for complete data protection
Full data export as CSV and permanent account deletion from settings

Frequently Asked Questions

How is MonthlyWorth different from YNAB?

YNAB is a full budgeting system built around envelope budgeting with daily transaction categorization. MonthlyWorth focuses exclusively on net worth tracking - assets minus liabilities - with 5-minute monthly check-ins. No budgets, no transaction tracking.

I only use YNAB for the net worth report. Should I switch?

If the net worth report is what matters to you, MonthlyWorth gives you better net worth visualization (three chart types vs one), dedicated tracking, and monthly reminders - all at $3/month vs $14.99/month for YNAB.

Can I track my YNAB tracking accounts in MonthlyWorth?

Yes. Create the same asset and liability categories you use as tracking accounts in YNAB - investments, mortgage, car value, student loans. Update values monthly via the guided wizard instead of manually entering in YNAB.

Do I still need a budgeting app alongside MonthlyWorth?

MonthlyWorth is not a budgeting app - it tracks net worth only. If you need daily expense tracking, keep your budgeting app. Many users pair MonthlyWorth with a simple budgeting app or just use it standalone for the big-picture view.

Ready to get started?

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

Start free - skip the budget