Checking, savings, your 401(k), student loans and credit cards, in one figure and in dollars. NetWorth+ never connects to your bank, so there is no bank password to hand over and no outside service reading your transactions.
Example: net worth
Everything you have, minus what you owe
An illustration. Amounts are made up.
In short
NetWorth+ is a personal finance app for iPhone and Android that tracks net worth, budgets, credit cards, loans and shared bills without connecting to a bank. You add transactions yourself, import a CSV file from your bank's website, or type them to Numo, the built-in assistant, or scan a receipt. The free plan has no time limit and no ads. Pro is $49.99 a year or $7.99 a month in the US.
Bank login
Never asked for
Currency
US dollars, and others
Free plan
No time limit, no ads
Pro
$49.99 a year
What it does
Checking, savings, a 401(k) or IRA, minus student loans, a car loan and credit cards. One number, with its history on a chart.
Set a monthly budget for groceries, dining out or anything else, and see what is left as you spend.
Statement dates, due dates and minimum payments for every card, and a payment schedule for each loan.
Split rent and groceries with a partner or roommates, equally or by percentage, and see who owes whom.
Type what you spent in plain words and Numo fills in the transaction. Scan a receipt and the same happens.
Your balance day by day for the next 90 days, and what changes if you earn more or spend less.
Why no bank login
Most US budgeting apps connect to your bank through a data aggregator. NetWorth+ deliberately does not.
Linking a bank means giving a third party access to your account, so it can pull your transactions on a schedule. It is convenient, and plenty of people are comfortable with it.
NetWorth+ takes the other side of that trade. You add what you spend, import a CSV file from your bank's website, or tell Numo or scan a receipt. Nothing connects to your bank, so there is no login to leak and nothing to reconnect when a bank connection drops.
Bank-linked apps save you the typing. If automatic import matters more to you than keeping your bank login to yourself, one of them will suit you better, and we would rather say so than pretend otherwise.
Getting started
Free on iPhone and Android. Sign in, and your data is saved to your account.
Each account with today's balance: checking, savings, your 401(k), credit cards and loans.
Type it in, import a CSV from your bank, or let Numo fill it in for you.
Guides
Track every account and debt in one figure, without linking a bank.
Read the guideThe Federal Reserve's 2025 figures, and a calculator to compare yours.
See the figuresA free template for Google Sheets and Excel, formulas done.
Get the templateSplit shared bills 60/40 or 50/50 and keep your own accounts private.
Read the guideThe household's shared bills in one place, and each adult's own budget.
Read the guideHow manual budgeting works, and what you trade for it.
Read the guideTell Numo what you spent, in plain words.
Read the guideWhat the free plan covers, and how it stays free of ads.
Read the guideSee where your money goes, by category, shop and day.
Read the guideCompared
What Mint did, and what you can and cannot replace.
Read the comparisonAn honest look, including what YNAB does better.
Read the comparisonA free plan, and Pro at half Monarch's yearly price.
Read the comparisonShared bills with no daily limit, inside your own budget.
Read the comparisonCalculators
NetWorth+ Pro is $49.99 a year, and the free plan has no time limit. For comparison, YNAB is $109 a year and Monarch is $99.99 a year, both taken from their own websites in October 2026.
Everything most people need to track their money.
or $49.99 a year
Yearly works out cheaper.
Sign in with the account you use in the app. Cancel any time.
US prices, checked October 2026. Prices in every country
Questions
Free on iPhone and Android. No ads, and your data is never sold.
Android and iPhone. No bank login. No ads.