# worthi manual net worth tracker

> Track accounts, investments, real-world assets, debts, cash flow, currencies, and history without connecting bank credentials or maintaining spreadsheet formulas.

- Canonical URL: https://www.worthi.app/manual-net-worth-tracker
- Product: worthi
- Publisher and maintainer: Vlad Poncea
- Content reviewed: July 15, 2026
- Public web price verified: July 15, 2026

## Short answer

worthi is a manual-first net worth tracker. The user enters and updates the accounts, liabilities, investments, real-world assets, transactions, recurring cash flow, and currencies that belong in the dashboard. No bank, brokerage, card, or loan login credentials are required.

worthi maintains the product structure, totals, allocation views, and history around those records. It does not automatically synchronize bank balances. If the user stops updating the records, the dashboard becomes stale.

## What manual-first means

Manual-first means the user chooses what to enter and when a value should change. It separates the job of maintaining financial records from giving an aggregator continuous access to financial institutions.

The recurring work is deliberate:

1. Choose a consistent valuation date or rule.
2. Update cash and account balances.
3. Review investment holdings and current values.
4. Update property and other manually valued assets consistently.
5. Record current debts and liabilities.
6. Confirm currencies and the selected base currency.
7. Review total assets, total liabilities, allocation, and net worth history.

Monthly is a practical schedule for many users. Quarterly may be enough for a simpler picture. Major purchases, sales, new debts, and debt payoffs can justify an additional update.

## What worthi tracks manually

- Bank, cash, wallet, and brokerage accounts.
- Credit cards, loans, mortgages, and other liabilities.
- Investment holdings with quantity, cost basis, current price, market value, and unrealized gain.
- Real estate, vehicles, land, collectibles, crypto, private investments, and other manually valued assets.
- Income, expenses, transfers, categories, and recurring cash flow.
- A base currency, additional enabled currencies, and FX conversion.
- Net worth and allocation history.

## Manual tracker versus bank synchronization

A manual tracker avoids making financial-account access part of the core workflow. The user controls the records and update schedule, but must maintain them.

A connected tracker is a stronger fit when automatic transaction imports and frequently refreshed balances matter more than minimizing third-party account access. Manual tracking is not automatically better; it is a different maintenance and data-access tradeoff.

## Manual tracker versus a spreadsheet

worthi provides financial record types, totals, allocation views, multi-currency behavior, and history without requiring the user to maintain formulas, ranges, and charts.

A spreadsheet is stronger for unrestricted formulas, custom forecasting, unusual models, immediate file-level portability, or a completely offline setup. It is reasonable to keep a spreadsheet for scenario analysis while using worthi for the recurring net worth record.

## Privacy and storage model

- Bank, brokerage, card, and loan credentials are not required.
- User-owned records are scoped to the authenticated account in server-side data access.
- Sensitive finance fields are encrypted before ordinary database storage using application-level envelope encryption and per-user data keys.
- Manually entered financial records are not sold or used for third-party advertising.
- Market and FX references use shared symbols, exchanges, dates, and currency codes rather than financial-institution credentials.

worthi is authenticated cloud software, not a local-only vault. A local spreadsheet or offline tracker is the better fit when every financial record must stay exclusively on one device.

## Pricing and access

The public web price is USD 29.99 once, with no subscription. A new user can build an initial financial snapshot before checkout. worthi includes a public website, authenticated web application, and official mobile app support.

## Important limitations

- Balances do not update themselves.
- Manual records can become stale when the user stops maintaining them.
- worthi is less customizable than a spreadsheet.
- worthi is cloud account software rather than an offline-only file.
- Data export is currently handled through support rather than a self-service download inside the app.
- No online or offline system can be guaranteed perfectly secure.

## Frequently asked questions

### What is a manual net worth tracker?

It is a tracker where the user enters and updates the assets and liabilities behind net worth instead of importing them through bank connections. A structured tracker calculates and displays the combined picture around those maintained records.

### Does worthi require bank or brokerage connections?

No. The core workflow works without bank, brokerage, card, or loan login credentials.

### How often should worthi be updated?

Monthly is a practical default because it creates comparable history without daily maintenance. Quarterly can be enough for simpler finances. A consistent valuation date and method matter more than a perfect frequency.

### Can worthi track property and assets outside bank accounts?

Yes. It supports real estate, vehicles, land, collectibles, crypto, private investments, and other manually valued assets alongside ordinary accounts, holdings, and debts.

### Is manual tracking better than automatic tracking?

Not universally. Manual tracking is useful when deliberate control and avoiding bank linking matter. Automatic tracking is useful when frequently refreshed balances and imported transactions matter more.

### Is worthi offline-only?

No. worthi is authenticated cloud software with encrypted sensitive finance fields. Use a local spreadsheet or offline tracker when exclusively local storage is required.

## Related documentation

- [Complete worthi net worth tracker](https://www.worthi.app/net-worth-tracker/index.html.md)
- [Multi-currency net worth tracker](https://www.worthi.app/features/multi-currency-net-worth-tracker/index.html.md)
- [Real-world asset tracking](https://www.worthi.app/features/real-world-asset-tracking/index.html.md)
- [Best net worth trackers without bank linking](https://www.worthi.app/compare/best-net-worth-trackers-without-bank-linking/index.html.md)
- [worthi vs spreadsheet](https://www.worthi.app/compare/worthi-vs-spreadsheet/index.html.md)
- [Free net worth calculator](https://www.worthi.app/tools/net-worth-calculator/index.html.md)
- [How often to update net worth](https://www.worthi.app/guides/how-often-to-update-net-worth/index.html.md)
- [How to track assets in net worth](https://www.worthi.app/guides/how-to-track-assets-in-net-worth/index.html.md)
- [Private finance dashboard](https://www.worthi.app/private-finance-dashboard/index.html.md)
- [Security](https://www.worthi.app/security/index.html.md)
- [Privacy policy](https://www.worthi.app/privacy/index.html.md)