Know your net worth.
Keep it private.
Worthy is a private, offline net worth tracker. Track investments, debt and property with no bank linking and automatic price updates, and understand growth, taxes, liquidity and FIRE.
On-device
Your data stays on your device.
No bank login
No aggregation. No credentials.
No subscription
A one-time purchase.
Encrypted backup
You control your backups.
Transparent analytics
See every event and metadata.
Automated, not manual
Enter it once. Worthy keeps it current.
No bank connection doesn't mean spreadsheet upkeep. Prices, loan balances and interest update on their own. You own the data, the app does the busywork.
Live market prices
Stocks, crypto and precious metals refresh automatically, with no typing in prices. Exchange rates update too.
Auto-amortizing loans
Mortgages and loans pay down their own balances on schedule, so what you owe stays right without touching it.
Daily interest
Cash and credit accrue interest on their own, day by day, so your balances drift the way real accounts do.
The complete picture
Track. Understand. Plan. Protect.
Everything you own and owe.
Investments, crypto, property, cash, retirement accounts, mortgages, loans and more.
Assets
$1,024,320
Know why your wealth changed.
Contributions vs growth, capital gains, tax estimates, liquidity, after-tax value and more.
Capital gains
Know where you're going.
FIRE projections, milestone pace and retirement planning with custom growth rates.
Financial Independence
Coasting67%
Keep your financial life yours.
On-device data, encrypted Google Drive backup, full export, and transparent telemetry.
Data & Backup
Privacy first
Your money doesn't need a middleman.
Most finance apps connect your banks, collect your data, and store it in the cloud. Worthy keeps your financial life direct, on your device, with no bank connections, no aggregation services and no subscription.
Learn more about our privacy →The connected way
Your banks
(credentials)
Aggregation service
(e.g. Plaid, Yodlee)
Cloud storage
(their servers)
Your app
(their product)
The Worthy way
You
(enter your data)
Worthy
(on your device)
Your data
(yours, always)
No aggregator. No cloud. No one in the middle.
Simple pricing
Pay once. Done.
Charging monthly to look at your own money is like paying rent to peek inside your wallet. We don't do that.
Worthy Pro includes:
- Unlimited assets & accounts
- Automatic stock & crypto prices
- FIRE & advanced insights
- Data import/export + Drive backup
- Registered accounts (TFSA, RRSP, 401k, etc.)
- No recurring fee
Reviews
Loved by people who guard their privacy.
Real, unpaid reviews from the App Store and Google Play.
“The only net worth tracker worth using. Brilliant design, feature set and developer, and the only app I could find that's subscription free (a small one-time fee), unlike others that charge monthly for half the features.”
Dale W.
Google Play
“Simple yet elegant, and focused on tracking your net worth offline. It's affordable (a one-time payment, no subscription) and integrates with a free service so your stock prices update automatically.”
Jason S.
Google Play
“Great app to track many different asset classes and your overall net worth without importing any bank accounts or private information. The developer has been very responsive as well.”
Evgeny C.
Google Play
“The optimal asset tracker, the best I've seen. It's secure, which is rare nowadays, and the interface is well thought out and intuitive. The developer is genuinely interested in user feedback.”
C. V.
Google Play
“Fantastic for pulling all your accounts and financials together and getting a clear picture of your assets. Highly recommended.”
Brian M.
Google Play
“This app is fantastic for any DIY investors interested in building and maintaining wealth in a data-driven, disciplined, and informed way, minus the spreadsheets. Love that all the data is kept locally in an encrypted fashion, and is not being sold for ads.”
UD94
App Store
“This is a fantastic little app. No fluff it does exactly what I need to keep track of my finances and knowing that it does not store any private data on the cloud is very reassuring.”
Roger W.
Google Play
“Really happy with Worthy! Simple, easy to use, and helps me stay on top of my finances. Highly recommend it!”
Bollin
App Store
FAQ
Questions, answered.
Is Worthy a private net worth tracker?
Yes. Worthy is a private, offline net worth tracker. Everything stays on your device. There is no account, no cloud sync, and nothing about your money is stored on a server.
Does Worthy work without linking a bank account?
Yes. Worthy never connects to your bank. There's no Plaid or Yodlee aggregation and no credentials to hand over. You add your accounts once and Worthy maintains the balance sheet.
Do I have to update everything manually?
No. Stock, crypto and precious-metal prices update automatically, mortgages and loans auto-amortize on schedule, and cash and credit accrue interest daily. You enter balances once and Worthy keeps them current, with no bank connection required.
Is there a subscription?
No. Worthy is a one-time purchase. Pay once and own it forever, including automatic price updates, FIRE insights and registered-account support. No monthly fees.
How is Worthy different from Mint, Monarch or Personal Capital?
No bank connection, no cloud storage, no subscription. Those apps aggregate your accounts on their servers; Worthy keeps your financial data on your device and still stays current through automatic prices and amortization.
Which accounts and assets can I track?
Investments, crypto, cash, real estate, vehicles, precious metals, mortgages, loans and credit, across registered and taxable accounts like TFSA, RRSP, 401(k), IRA, ISA, Superannuation and more.