Worthy: Net Worth Tracker

Private offline net worth tracker. Track your wealth, portfolio, and assets without linking a bank account, paying a subscription, or sending your data to anyone's server. Worthy is the manual net worth calculator built for people who refuse to hand their financial life to Mint, Monarch, Empower, or any other app that wants your bank logins. Your numbers stay on your device. Your privacy stays yours.

WHY WORTHY IS DIFFERENT

Most net worth apps demand your bank credentials, charge monthly fees, and store your sensitive financial data on their servers. Worthy works on a completely different model:

🔒 100% OFFLINE: Your net worth data never leaves your phone. No cloud storage. No data breaches. No tracking. No ads.

🚫 NO BANK CONNECTIONS: We never ask for passwords or banking credentials. No broken Plaid syncs. No privacy leaks. Ever.

💰 ONE-TIME PURCHASE: Pay once, own it forever. No subscription. No Premium tier. No monthly fees. Charging you monthly to see your own money is backwards.

🌍 MULTI-CURRENCY: Full global support with live exchange rates. Used by investors across Canada, the US, the UK, Australia, and Europe.

📊 ADJUSTED COST BASE (ACB): Built-in ACB tracking for Canadian investors managing taxable investment accounts — a feature most net worth trackers ignore.

EVERYTHING YOU CAN TRACK

Assets
- Investment portfolios — stocks, ETFs, mutual funds
- Cryptocurrency holdings
- Real estate and property values
- Savings, checking, and high-yield accounts
- Retirement accounts — RRSP, TFSA, 401(k), IRA, ISA, RESP
- Vehicles, collectibles, and custom assets

Liabilities
- Mortgages with full amortization breakdown
- Student loans
- Credit card debt
- Lines of credit and personal loans
- Any other liability you want to track

Analytics & insights
- Net worth growth charts over time
- Asset allocation breakdowns
- Mortgage payoff progress — see how many years early you'll be debt-free
- Debt paydown tracking
- Milestone tracking toward financial independence and FIRE

LIVE PRICE UPDATES (PRO)

Connect your own free Alpha Vantage API key to auto-update stock and crypto prices. No middleman, no shared keys, no recurring API costs. Your data stays yours.

HOME SCREEN WIDGETS

See your net worth at a glance without opening the app. Multiple widget sizes for any home screen layout.

BUILT FOR PRIVACY-CONSCIOUS INVESTORS

Worthy is the offline portfolio tracker for people who take privacy seriously. No account required. No login. No server. No data collection. Just your numbers, on your device, under your control.

Whether you're a young professional building your first portfolio, a family tracking multiple properties and accounts, or a FIRE investor chasing financial independence — Worthy gives you the tools to grow your wealth without the privacy trade-offs.

A REAL ALTERNATIVE TO

If you're looking for a Mint alternative after the shutdown, a Monarch Money alternative without a subscription, a Personal Capital or Empower alternative without bank linking, or a YNAB alternative focused on net worth instead of budgeting — Worthy is built for you. Also a great alternative to spreadsheets, Kubera, Copilot, and Wealthsimple's net worth view.

EXPORT YOUR DATA

Your data is yours. Export anytime to JSON. Move to another tool whenever you want. No lock-in.

SECURE. PRIVATE. YOURS FOREVER.

Track your path to financial independence with complete privacy. Download Worthy today.