Manual Net Worth Tracker

Questions about tracking net worth without bank linking

Can I really track my net worth without linking my bank?

Yes, and it is the default here — there is no Plaid, no aggregator and no place to enter a bank login, so linking a bank simply does not exist as an option. You add accounts yourself and update the balances, or you upload a PDF or CSV statement and the importer reads the transactions out of it. The cost is about ten minutes a month; what you get back is that nobody holds credentials to your bank. The one connection you can switch on is a broker one: you create a report-only token at your broker, we store it encrypted and use it to read your positions, and you can revoke it there at any time.

What's the difference between manual entry and statement import?

Manual entry is you typing a balance — right for a property, a pension, a car, or any account you only need to check occasionally. Statement import is you uploading the PDF or CSV your bank already gives you, and getting every transaction categorized from it; that is what makes budgeting work without a live connection. Most people use both: import for the current account they spend from, manual balances for everything else.

How often do I have to update it?

Monthly is the sweet spot. Net worth moves on the scale of months and years, so weekly updates mostly add noise and quarterly ones lose the habit. A realistic routine is the first weekend of the month: upload last month's statement, refresh the balances that changed, look at the trend. Investment prices and exchange rates refresh on their own — you are only entering the things no market quotes.

Does it work outside the United States?

That is what it was built for. Multi-currency is native rather than bolted on, the statement importer reads German and Czech number and date conventions alongside English ones, and portfolio look-through covers UCITS funds and not just US-listed ETFs. The interface is available in English, Czech and German. Most US-first apps struggle at exactly these points, which is usually what brings people here.

What if I actually want automatic bank sync?

Then this is the wrong tool and we would rather say so. Monarch Money, Empower and YNAB all sync through an aggregator and do it well; if a live connection is what you want, start there. This app exists for the other preference — and that preference stopped being niche on 15 May 2026, when OpenAI began letting ChatGPT connect to banks and brokerages through Plaid for read-only analysis (OpenAI's own announcement, "A new personal finance experience in ChatGPT", 15 May 2026; US Pro subscribers first, later Plus). Plenty of people looked at that and decided they wanted fewer parties in the chain, not more.

Is there a free net worth tracker that doesn't link to my bank?

Several, and they are listed above with their trade-offs: a spreadsheet costs nothing and never expires, GnuCash and Wealthfolio are free and open source, and Worthy is a one-time purchase that stays entirely on your phone. This app is a paid subscription, and it earns that by doing budgeting, net worth and FIRE projection in one place instead of one of the three. The free calculators on this site need no account at all.