No bank connection required
Net worth tracker without a bank login
NetWorthTrackr never asks for your bank credentials. You enter balances yourself, market holdings price themselves from public data, and everything converts nightly into one number. No Plaid, no open banking, no read access to any account you own.
Sample data · try it
This is what you get once the numbers are in
Net worth
€410,250
Click any account to leave it out
Your real dashboard adds history, growth streaks, currency exposure and a portfolio health score. No bank login at any point.
Why most trackers need your bank login
Almost every net worth app is built on an aggregator — Plaid, GoCardless, Yodlee or similar. You hand the aggregator your online banking credentials, it logs in on your behalf, and it copies your balances out on a schedule. That is where the automation comes from, and it is also the whole risk surface.
Three things follow from that design, and no amount of good intent changes them. Your credentials exist somewhere outside your bank. The app only works in countries where the aggregator has coverage. And when a bank changes its integration, your data silently stops updating until someone fixes it.
We took the other trade. There is no aggregator anywhere in this product, so there is nothing to hand over and nothing to breach. The cost is that you type your balances in. For most people that is a few minutes a month.
What updates by itself, and what you enter
Updates itself
- Stocks and ETFs — add a ticker and a quantity
- Crypto holdings
- US, EU, UK, German and Indian exchanges
- Currency conversion across 31 currencies, nightly
None of this needs account access. A share price is public information.
You enter
- Bank and savings balances
- Property and vehicles
- Pensions and workplace schemes
- Mortgages, loans and credit cards
Each account keeps its own history, so you get a trend line — not just today.
The app tracks how long it has been since each account was updated and flags the stale ones, so manual entry does not quietly rot.
It works in every country, because it connects to none
Bank-sync trackers can only support you if your bank is on their list. That is why they advertise country coverage, and why people outside the US, UK and western Europe routinely find their accounts unsupported.
Manual entry has no such list. Local asset types that aggregators rarely handle — PPF, EPF, NPS and fixed deposits in India, CPF and SRS in Singapore, end-of-service gratuity in the UAE, ISAs and SIPPs in the UK, 401(k) and HSA balances in the US — are all just accounts here, with a category, a currency and a history.
The same applies to anything an aggregator cannot see at all: a flat you own outright, a private company holding, a pension from a former employer, money someone owes you.
Manual tracking versus bank-sync tracking
| NetWorthTrackr | Bank-sync trackers | |
|---|---|---|
| Bank credentials | Never requested — there is no integration to give them to | Required for the core feature |
| Balance updates | You enter them; market holdings price themselves | Automatic, until an integration breaks |
| Country coverage | Everywhere — nothing to support or not support | Only where the aggregator has coverage |
| Assets with no online account | Property, private holdings, collectibles all supported | Usually manual anyway |
| Currencies | 31, converted nightly at ECB rates | Varies, often more |
| If the provider is breached | Numbers you typed. No credentials exist to steal | Depends entirely on the aggregator |
| Effort | A few minutes a month | Near zero once connected |
Be honest about the trade: if you want balances that update without you doing anything, a bank-sync tracker does that and this does not. Choose manual tracking when you would rather not hand over banking credentials, when your accounts sit in countries an aggregator does not cover, or when much of your wealth is in things no bank feed can see. Plenty of people also find that entering numbers once a month is the point — it is the moment they actually look.
Common questions
No, and you cannot. There is no bank integration in the product at all, so the option to connect one does not exist. You add accounts and enter their balances yourself.
For most people, a few minutes once a month. You update the accounts that changed, skip the ones that did not, and market-priced holdings update on their own. The app flags accounts that have gone stale so you know what needs attention.
Only the balances you type in. We have no access to any account you own, no ability to move money, and no credential that would let us read anything from your bank. Every record is locked to your account by database row-level security.
Yes — stocks, ETFs and crypto price themselves from public market data across US, EU, UK, German and Indian exchanges, and all 31 supported currencies convert nightly at European Central Bank reference rates. None of that requires access to your accounts.
All of them. Because nothing connects to a bank, there is no coverage list. Local account types like PPF, CPF, ISAs or a 401(k) are tracked as ordinary accounts with their own currency and history.
Nothing. Every feature is free, with no credit card and no trial that expires.