List what you own and what you owe, snapshot it monthly, and watch the one number that summarizes your finances trend upward. No bank linking, and every balance stays on your device.
Net worth is the one number that summarizes a financial life: everything you own minus everything you owe. Income can feel fine while debt quietly wins; net worth cannot be fooled. Tracking it monthly is the single habit financial planners most consistently recommend, and it takes five minutes once the list exists.
This tracker holds the list and does the arithmetic: assets on the left, debts on the right, the difference in large type at the top, and a snapshot button that turns monthly check-ins into a trend line you can watch grow across years.
Net worth apps that sync automatically do it by holding your bank, brokerage, and retirement credentials through an aggregator, building the most complete financial profile of you that exists anywhere. The five minutes of typing this tracker asks for each month buys two things: nobody holds that profile, and you actually look at every account, which is where the behavioral benefit of net worth tracking comes from in the first place.
Add up everything you own (cash, investments, retirement accounts, home value, vehicles) and subtract everything you owe (mortgage, loans, credit cards). This tracker does the arithmetic live as you list items, shows the split by category, and keeps your debt-to-asset ratio in view.
Monthly is the sweet spot: often enough to catch the trend, rare enough that market noise does not whipsaw you. Update the balances, press Save snapshot, and the chart adds a point. The trend over a year matters far more than any single month.
The monthly five minutes of typing balances is the feature, not the flaw: people who manually review their accounts each month consistently know their finances better than people whose apps sync silently. And skipping the sync means never handing bank credentials and a complete financial profile to a third party.
Lower is stronger, and the number naturally falls over a financial life: young households carrying a fresh mortgage often sit above 50 percent, while approaching retirement most planners like to see it under 20 percent. The direction of travel matters more than the snapshot.
Completely. Account names, balances, and your whole snapshot history live in your browser's local storage on your device. Nothing is uploaded and no sign-up exists. Optional Premium cloud backup can sync across your devices, but it is off until you explicitly consent.