Manual net worth tracker
Track assets and debts by hand, without budgeting, transaction categories, or linking bank accounts.
Worth it gives you a calm monthly view of what you own, what you owe, and how your net worth changes over time.
Worth it is a manual net worth tracker. You enter the total value of each account, asset, and debt yourself, then update those numbers when it makes sense for you.
It is built for people who want financial clarity without a daily budget. You can track cash, savings, investments, pensions, property, vehicles, crypto, loans, credit cards, and anything else that belongs in your financial picture.
Bank sync can be useful when you want automatic transaction tracking. Worth it is different: it keeps the focus on your total assets, debts, and monthly progress.
| Approach | Good for | Trade-off |
|---|---|---|
| Manual net worth tracker | Assets, debts, privacy, and a calm monthly check-in | You update the values yourself |
| Bank-sync finance app | Automatic transactions and spending categories | Connections can break, and the app may feel noisy if you only want net worth |
| Spreadsheet | Full control and no app dependency | You build charts, reminders, history, currencies, and exports yourself |
Worth it is not a budgeting app. It does not ask you to categorise every transaction or explain every purchase. The main question is simpler: is your overall financial position improving?
For many people, a monthly net worth update is enough to feel more aware without turning money into daily admin.
Yes. You can track net worth by hand by listing your assets and debts, updating their total values regularly, and comparing the result with previous months.
Yes. Worth it lets you enter totals manually, so you do not need to connect bank accounts or share banking credentials with the app.
Yes. Budgeting tracks spending categories. Net worth tracking looks at the bigger picture: what you own minus what you owe.
Add your assets and debts, update the totals when you want, and see your net worth history without a budget or bank sync.