Update on your schedule.
Use a consistent monthly or quarterly check-in instead of giving an aggregator continuous account access.
Your full financial picture, privately tracked.See how
Manual net worth tracker
Track net worth manually—without rebuilding a spreadsheet.
worthi gives deliberate monthly updates a clear structure: maintain the accounts, investments, real-world assets, debts, cash flow, and currencies that belong in your financial picture without connecting bank credentials.
Keep the full picture together.
Track cash, loans, investments, property, vehicles, collectibles, crypto, and recurring cash flow in one structure.
See more than today’s total.
Built-in net worth and allocation history helps turn repeated updates into a financial trend.
What it helps with
A clearer record of your financial picture.
Manual-first
You maintain the records; worthi maintains the structure.
Manual tracking means you choose which financial records to enter and when their values should change. worthi organizes those records into accounts, liabilities, holdings, assets, transactions, recurring cash flow, currencies, totals, and history without asking you to maintain spreadsheet formulas.
Enter balances and values from statements or your own records
Choose the detail that belongs in your dashboard
Keep bank-linking outside the core workflow
Repeatable routine
Turn a monthly check-in into a useful history.
Pick one valuation date, update cash and account balances, refresh investments, review manually valued assets, record debts, and confirm the base currency. A consistent routine makes one period easier to compare with the next, even when the numbers are not real-time.
Use the same valuation date or rule each period
Update after major asset purchases, sales, or debt changes
Review the trend and allocation after the records are current
Complete picture
Include the assets an aggregator may not understand.
A complete net worth view often extends beyond checking and brokerage accounts. worthi can keep property, vehicles, land, collectibles, private investments, crypto, and other manually valued assets beside ordinary balances and debts.
Separate accounts, liabilities, holdings, and real-world assets
Track ownership values and related debts deliberately
Express mixed-currency records in a selected base currency
Tradeoff
Manual balances do not update themselves.
Manual control has a maintenance cost. If you stop updating the records, the dashboard becomes stale. A connected tracker is the better fit when automatic transaction imports and frequently refreshed balances matter more than minimizing financial-account access.
No claim of automatic bank-balance synchronization
Market and FX references do not replace manual record review
Monthly or quarterly reminders remain the user’s responsibility
Compared with a spreadsheet
Choose structure or unrestricted customization.
worthi is more structured than a workbook: calculations, categories, history, and views are product behavior. A spreadsheet is stronger when you need custom formulas, bespoke forecasting, direct file ownership, or a completely offline setup.
Choose worthi to reduce formula and chart maintenance
Choose a spreadsheet for unlimited modeling flexibility
Keep both when a recurring record and custom analysis serve different jobs
Privacy model
No bank linking is not the same as offline storage.
worthi does not require financial-institution credentials and protects sensitive finance fields with application-level envelope encryption and per-user data keys. It is still authenticated cloud software, not a local-only vault. The honest privacy decision includes both account access and record storage.
No bank, brokerage, card, or loan passwords required
Sensitive fields encrypted before ordinary database storage
Use an offline tracker when exclusively local storage is required
Questions
Straight answers before you start.
What is a manual net worth tracker?
A manual net worth tracker lets you enter and update the accounts, assets, investments, and debts behind your net worth instead of importing them through bank connections. The tracker calculates the combined picture and preserves history around the records you maintain.
Does worthi require bank or brokerage connections?
No. You can use worthi without sharing bank, brokerage, card, or loan login credentials. You decide which records belong in the dashboard and when to update them.
How often should I update a manual net worth tracker?
Monthly is a practical routine for many people because it creates comparable snapshots without requiring daily maintenance. Quarterly may be enough for a simpler picture. Use one consistent valuation date and update after major purchases, sales, new debts, or debt payoffs when needed.
What can I track manually in worthi?
worthi supports accounts, liabilities, investment holdings, real estate, vehicles, land, collectibles, crypto, private investments, transactions, recurring cash flow, currencies, and net worth history.
What is the main limitation of manual tracking?
Balances do not update themselves. If you stop maintaining the records, the dashboard becomes stale. A connected tracker is a better fit when automatic transaction imports and frequently refreshed balances matter more than deliberate manual control.
Is worthi an offline-only manual tracker?
No. worthi is account-based cloud software with encrypted sensitive finance fields. Choose a local spreadsheet or offline tracker if keeping every financial record exclusively on one device is a strict requirement.
Keep exploring
Related net worth resources.
Start simple