Guide
Net worth tracker without bank linking
You can track your full net worth accurately without linking a single bank account. Manual-entry trackers like Netaro take a few minutes a month, keep your credentials out of third-party hands, and still refresh stock, fund and crypto prices automatically every day. 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.
Why people avoid bank linking
- Credentials and full transaction history end up with an aggregator you never chose.
- Connections break constantly and need re-authenticating.
- Aggregation is why most trackers cost $100 to $300 a year.
- Linking cannot see the things that matter most for net worth anyway: your home, a pension valuation, a private company stake, a car, a watch.
- Some banks and many pension providers are simply not supported, especially outside the US.
What a manual tracker still needs to automate
Manual does not have to mean stale. The trick is to separate what changes daily from what changes rarely. Prices of listed assets change daily and should refresh on their own. Balances of cash accounts, property values and pension statements change slowly and are fine to update when you get a statement.
Netaro does exactly this. Stocks, funds, ETFs, crypto and commodities refresh every day and convert into your home currency. Everything else you update when it changes, and every change is snapshotted so the chart is always complete.
How much time it actually takes
Setting up a typical portfolio of five to fifteen accounts takes ten to thirty minutes. After that, most people spend a few minutes at the end of each month updating cash balances and any new contributions. If your broker exports a CSV, Netaro Import reads it and computes positions on your device with a review step before anything is saved.
What you give up
Transaction-level budgeting. Netaro does not know what you spent at the supermarket, and does not try to. If you want spending categories, pair it with a dedicated budgeting app. If you want a truthful net worth figure that includes your home, your pension and your crypto, without handing over logins, a manual tracker is the better tool.
Verdict
A net worth tracker without bank linking trades a few minutes a month for full control of your data and a lower price. Netaro is free to start, refreshes market prices automatically, and never asks for a bank login.
Frequently asked questions
- Does Netaro ever ask for bank credentials?
- No. There is no bank linking, no Open Banking connection and no screen-scraping. You add holdings yourself or import a broker CSV.
- How do prices stay current without linking?
- Market-priced assets such as stocks, funds, ETFs, crypto and commodities refresh automatically every day from market data, not from your accounts.
- Where is my data stored?
- In a local database on your phone. If you create an account, a private cloud backup is kept so you can restore or move devices. The backup is encrypted in transit and at rest but is not end-to-end encrypted. There is 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.