A net worth tracker that doesn't need your bank logins
Net worth changes slowly. A monthly number typed by hand shows the trend just as well as live sync, and nobody else holds your logins.
Leanfinit · 6 min read
Updated
Net worth in one line
Net worth is everything you own minus everything you owe: cash, savings, investments, pension and property, minus card balances, loans and mortgage. One number, and the direction it moves matters more than the level. Our net worth snapshot shows one person's tracker.
Why you don't need live sync for it
Apps like Empower's free dashboard pull every account automatically. The trade-off: you link every bank and investment login, and the free dashboard is how Empower finds clients for its paid wealth management, so an adviser may contact you after you link.
For net worth, live sync adds little. Pensions, property and car values move slowly, and day-to-day swings in a current account are noise. Entering balances once a month gives a clean trend line. That interval is our suggestion; there is no official standard.
Even the linked-account apps support this: Empower and Monarch both let you add manual accounts and update them by hand. The same logic applies to an expense tracker without a bank link.
What to count
- Assets: current and savings accounts, investments, pension (current value), property (a conservative estimate), car (resale value, not purchase price).
- Debts: credit cards, personal and car loans, student loans, mortgage.
- Leave out: things you'd never sell, and money you're owed but don't expect to see.
Use the same rules every month. A consistent estimate beats an accurate one you change each time.
How you compare (US, 2025)
The Federal Reserve's Survey of Consumer Finances for 2025, released in October 2026, puts median US family net worth at $215,900 and the mean at $1,241,500. The median is the better comparison; the mean is pulled up by the wealthiest families.
| Age of household head | Median net worth (USD, 2025) | Change since 2022 |
|---|---|---|
| Under 35 | $33,000 | −23% |
| 35–44 | $155,600 | +5% |
| 45–54 | $253,700 | −6% |
| 55–64 | $411,900 | +3% |
| 65–74 | $431,300 | −4% |
| 75+ | $504,900 | +37% |
Changes are in real terms (2025 dollars).
Does watching the number change anything?
In a field experiment with 3,138 users of a net worth app, showing net worth as a monthly spendable amount next to past spending cut discretionary spending by about 15% while people saw it; the effect faded by around month 16 (Levi, 2025). Seeing the number helps most when it sits next to what you spend.
A private net worth tracker
What it needs: a list of accounts and debts, a monthly entry screen, the net figure, the change since last month and a 12-month line. That's all. Describe it (example below) and it runs on your phone with Leanfinit, with balances kept on the device and no logins shared. It's free during the beta; keep your own copy of the data.
Pair it with a savings goal thermometer for a single goal, or a debt payoff plan if debts are the biggest line.
FAQ
Can I track net worth without linking my accounts?
Yes. Enter each balance once a month; Empower and Monarch also support manual accounts.
How often should I update my net worth?
Monthly is enough to see the trend; there's no official standard.
What is the median net worth in the US?
$215,900 per family in 2025, according to the Federal Reserve's Survey of Consumer Finances.
Should I include my house and car?
Yes, at conservative estimates, and with the mortgage and car loan on the debt side.
Describe your own app →
Takes a few sentences. Private, yours.
“A monthly net worth tracker. Assets: current account, savings, pension, car (estimated). Debts: credit card, car loan. On the 1st I enter each balance. Show net worth, the change since last month and a 12-month line.”
General information, not financial advice.
Sources
Prices and facts checked 27 October 2026