by Youssef El Beqqal ·
Net Worth Tracker Without Bank Login, Compared
TL;DR
A genuinely no-bank-login net worth tracker has to solve two problems without live account access: how to update an investment balance that moves on its own, and how to handle more than one currency. Spreadsheets, Wealthfolio, Worthy, Worth It, and MoneyFlow each answer both differently - Kubera, despite showing up on most "no bank login" lists, is actually a bank-linking app first, with manual entry limited to illiquid assets like real estate or gold.
Kubera turns up constantly on "best net worth tracker without bank login" roundups, so it's worth saying plainly: bank-linking is Kubera's default. It connects to "thousands of banks and brokerages" automatically, and manual entry is there for what it can't reach that way, gold, real estate, a car. If avoiding a bank login is the actual point, that's a different product than the one being asked for.
The apps that are genuinely no-login only work by manual entry, which raises a question the roundups mostly skip: an investment account doesn't sit still like a checking balance does, so what does "updating it by hand" actually involve? That, plus how each one deals with more than one currency, is where they stop looking alike.
Where each one lands
| Bank login | Investment values | Free tier | |
|---|---|---|---|
| Spreadsheet | No | Type in whatever number you look up | Yes |
| Wealthfolio | No | Manual entry or CSV import | Yes, open source |
| Worthy | No | Auto-updates via stock/crypto ticker lookup | No, $16.99 one-time |
| Worth It | No | Type in the balance you see | Yes |
| Kubera | Yes, by default | Manual entry for illiquid assets only | No, $250/year |
| MoneyFlow | No | Logs what's contributed, not market value | Yes |
Spreadsheet: no defaults, no shortcuts
A spreadsheet doesn't handle investment values at all, someone opens the brokerage app, reads a number, and types it into a cell. That's the most manual version of manual entry there is: no ticker lookups, no currency conversion built in, nothing automated. It works, and it costs nothing, but every convenience the apps below add exists because doing it in a spreadsheet gets tedious past a handful of accounts.
Wealthfolio: open source, runs on your machine
Wealthfolio is free and open source, and it runs locally on desktop or mobile rather than through a hosted account. Investment values get entered manually or pulled in via CSV import, and the code itself is inspectable if that matters to someone. An optional paid add-on, Wealthfolio Connect, offers automatic brokerage syncing, but the core app never requires it.
Worthy: manual entry, automated prices
Worthy is a one-time $16.99 purchase for iOS and Android with no bank connections. Add a stock or crypto ticker and it pulls the current price automatically, so the balance updates without a bank or brokerage login and without anyone having to look the number up and retype it. It also tracks debts, including amortizing auto loans. The feature set is US-centric; multi-currency support isn't part of it.
Worth It: fully manual, currency handled for you
Worth It (getworthit.com) is free on iOS, Android, and Mac, and it's manual-first in the more literal sense, someone reads a balance and types it in, including for investment accounts. It converts between currencies using daily exchange rates automatically, which is more than most manual trackers handle without extra setup on the user's end.
Kubera: the one that isn't actually manual-first
Its core feature is linking directly to banks and brokerages, plus a browser extension that reads balances off other sites automatically. Manual entry exists specifically for assets that can't be linked any other way, gold, a car, private equity. That's a different product than the "no bank login" framing it keeps getting recommended for, and the pricing points the same direction: $250/year for the Essentials plan, $2,500/year for Black, aimed at people who want the aggregation, not people trying to avoid it.
MoneyFlow: contributions, not a moving number
MoneyFlow doesn't offer bank or investment-account linking at all, so every dollar in an Investments category gets logged by hand. What gets logged is the amount actually put in, not that day's market value, which is a different number on purpose. A brokerage balance can drop 15% in a month for reasons that have nothing to do with anyone's decisions; tracking contributions instead of portfolio value keeps that swing from making a real habit look like a setback. Net worth (assets minus debts) recalculates the moment a new entry gets saved, and MoneyFlow supports 11 currencies directly, so an account already sits in the currency it's actually held in instead of getting converted to fit a US-first tool.
Which one fits you
If cost is the only concern, a spreadsheet or Worth It cover it for free. If ticker-based auto-pricing without a brokerage login matters more than currency support, Worthy does that for $16.99 once. If running the software locally and having the source open to inspect is the point, Wealthfolio is built for that. If the real goal is aggregation and $250 a year isn't a barrier, Kubera does that well, it just isn't the no-login option it's often recommended as. And if the goal is a number that reflects a savings habit rather than the market's mood that day, alongside debts and spending in the same place, that's what MoneyFlow tracks by design.
Common Questions About Net Worth Trackers Without Bank Login
Is Kubera actually a no-bank-login app?+
Not by default. Kubera's core feature is linking directly to banks and brokerages, plus a browser extension that reads balances from other sites. Manual entry is available, but it's meant for assets that can't be linked any other way, like real estate or gold, not as the primary way to use the app.
How do manual net worth trackers handle investments that change in value?+
It varies by app. Some, like Worthy, auto-update stock and crypto prices via ticker lookup without needing a brokerage login. Others, like Worth It and spreadsheets, expect the balance to be typed in by hand each time. MoneyFlow tracks the amount contributed rather than the live market value, which is a different number by design, not a limitation.
Do any manual net worth trackers support multiple currencies?+
Yes. Worth It converts between currencies using daily exchange rates automatically. MoneyFlow supports 11 currencies directly, so accounts can be logged in their actual currency. Worthy's feature set is US-centric and doesn't emphasize multi-currency support.
Is net worth tracking without bank login safer?+
It removes one party from the chain: the third-party data aggregator (Plaid and similar services) that a bank-linked app routes transaction data through to reach your bank. That's independent of how secure any given app's own storage and encryption are.
