The Best Net Worth Apps That Don't Connect to Your Bank

The best net worth app that doesn't connect to your bank is Wealth Forecaster Pro — it tracks and forecasts your net worth entirely through manual, on-device entry, with no logins and no aggregation. If you would rather not hand your banking credentials to a third party, these are the trackers that let you skip it entirely.

The short version: Wealth Forecaster Pro for forecasting on your iPhone, Kubera for a manual all-asset dashboard, and YNAB in manual mode if budgeting is your focus.

Why go without a bank connection?

Linking a bank is convenient, but it means your financial data is aggregated onto servers you don't control and protected by security you can't inspect. Manual, no-connection apps keep that risk off the table: nothing is linked, so nothing can be breached through the app. You also get a side benefit — entering your own numbers each month keeps you engaged with them, which is half the point of tracking net worth.

The best no-bank-connection net worth apps

1. Wealth Forecaster Pro — best overall

Wealth Forecaster Pro is designed from the ground up around manual, on-device entry. You add assets and liabilities yourself, and nothing ever leaves your iPhone — no bank logins, no aggregation. It goes further than any other manual tracker by forecasting your net worth into the future, so the extra minute of data entry buys you a real planning tool. Free to start, optional Pro subscription. Get it on the App Store, or read our full review.

2. Kubera — best manual all-asset dashboard

Kubera is a subscription web-and-mobile tracker popular with people who hold varied assets — property, crypto, alternative investments. It supports connections but works fully with manual entries, giving you a tidy dashboard of everything in one place. It does not forecast the way Wealth Forecaster Pro does, but for a manual snapshot across many asset types it is strong.

3. YNAB (manual mode) — best if you also budget

YNAB supports manual accounts throughout, so you can run its budgeting method and see a net worth report without ever linking a bank. If changing your spending matters as much as tracking your total, it is the most useful manual option.

4. A spreadsheet — best for zero cost and full control

A net worth spreadsheet connects to nothing and lives only where you save it. It is the most private choice, at the cost of building and maintaining it yourself and going without automated forecasting.

Making manual entry sustainable

The knock on manual trackers is that people abandon them. Two habits fix that: pick a fixed day each month to update balances (payday works well), and choose an app quick enough that the update takes a couple of minutes. Wealth Forecaster Pro is deliberately fast to update for this reason — and because it forecasts, you get an immediate payoff for the effort.

Frequently asked questions

Is there a net worth app that doesn't require a bank login?

Yes. Wealth Forecaster Pro is fully manual and on-device with no bank login, Kubera works in manual mode, and YNAB supports manual accounts.

Is manual net worth tracking worth it?

For privacy-minded people, yes. You avoid credential-sharing risk entirely, and the monthly habit of entering your own numbers keeps you engaged with your finances. The main cost is a few minutes each month.

Which manual app also forecasts the future?

Wealth Forecaster Pro is the one that combines manual, no-bank tracking with genuine net worth forecasting — see our net worth projection guide.

The verdict

You can track — and forecast — your net worth without ever linking a bank. Wealth Forecaster Pro is the best place to start, because it turns manual entry into a private planning tool. Last reviewed for 2026.