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Netaro vs a net worth spreadsheet
A spreadsheet is the most common net worth tracker in the world and it is a perfectly good one until it is not. Netaro keeps the parts people like about a spreadsheet, manual control and no bank linking, and removes the parts that make them lapse: stale prices, currency maths, broken formulas and no history. Netaro is a private net worth tracker for iPhone and Android that puts stocks, crypto, cash, property, pensions, private equity, debt and valuables on one balance sheet, with no bank linking.
| Feature | Netaro | Spreadsheet |
|---|---|---|
| Price | Free. Pro is $5.99 a month or $39.99 a year, with a 14-day free trial on annual. | Free with Google Sheets or Excel. |
| Bank linking | None. Manual entry or broker CSV import. | None, unless you add a paid add-on. |
| Market prices | Stocks, funds, crypto and commodities refresh automatically every day. | Manual, or GOOGLEFINANCE formulas that cover some tickers and break on others. |
| Currencies | Each holding in its own currency, converted to your home currency daily. | You maintain the FX rates and formulas yourself. |
| History | Every change is snapshotted. Charts over 24 hours to all time. | Only if you copy a row each month and never miss one. |
| Property and debt | Value minus mortgage with fractional ownership; debt as a first-class class. | Two cells and a subtraction, maintained by hand. |
| Analysis | Portfolio Health score, liquidity, leverage, concentration, benchmarks, AI chat (Pro). | Whatever you build. |
| Phone | Native iPhone and Android apps with biometric App Lock. | Pinch-zooming a grid in a mobile browser. |
| Best for | People who want the spreadsheet outcome without the spreadsheet maintenance. | People who enjoy building and maintaining their own model. |
What a spreadsheet gets right
It is free, private, endlessly flexible and it never asks for a bank login. You decide the categories. Many people who have tried every app come back to a sheet for exactly those reasons.
Netaro was designed to keep all of that. There is no bank linking, you control every number, and the nine asset classes plus a free-form "other" cover anything a sheet could.
Where spreadsheets quietly fail
- Prices go stale. Unless you refresh tickers by hand, the sheet shows last month’s net worth.
- Currency conversion is a second job. Anyone with a foreign account or crypto ends up maintaining FX cells.
- There is no history unless you build it. Most sheets only know today, so you can never see how a decision played out.
- Formulas break. One inserted row and the total is silently wrong for months.
- It is not on your phone in any usable way, so you check it rarely, so it drifts further.
What Netaro adds
Daily market prices for stocks, funds, crypto and commodities. Automatic conversion into your home currency. A snapshot of your whole balance sheet every time something changes, so the chart is always there. Property modelled as value minus mortgage. Accounts that know they are an ISA, SIPP, pension, 401(k) or IRA.
With Pro you also get a Portfolio Health score across liquidity, leverage, concentration, strength and stability, a private percentile benchmark for your country and age band, an AI you can ask about your own numbers, and a Weekly Digest of what moved and why.
Moving your sheet into Netaro
Most people re-key a sheet in ten to twenty minutes. If your broker exports a holdings or activity CSV, Netaro Import reads the column layout and computes positions on your device, then shows you a review before anything is saved.
Verdict
Keep the spreadsheet if building the model is the part you enjoy. Switch to Netaro if you want the same private, manual-control approach but with live prices, automatic history and a phone app you will actually open.
Frequently asked questions
- Is Netaro just a spreadsheet with a nicer interface?
- No. It shares the manual, no-bank-linking approach, but adds automatic daily prices, currency conversion, full history snapshots, property and debt modelling, and portfolio health analysis that a sheet does not have out of the box.
- Can I export my Netaro data back to a spreadsheet?
- Yes. Export to file, under Privacy in the app, saves your whole portfolio and history as a file you keep. Your data is yours and you can delete it at any time, so you are never locked in.
- Do I lose privacy by leaving my spreadsheet?
- No. Netaro stores your portfolio on your device with an optional private cloud backup. There is no bank linking, no screen-scraping and no ad tracking.
Get the app
See your real net worth tonight
Free to start, private by design, no bank connections required.
Competitor details reviewed September 2026 from public pricing and product pages. Prices and features change; check the other product’s site before deciding. Netaro is a net worth tracking tool and does not provide regulated financial advice.