Plenty of people do not want an app holding a connection to their bank. NetWorth+ was built for them: budgets, net worth and shared bills, with every transaction added by you, imported from a CSV, or typed to an AI assistant.
Three ways in
How transactions get into NetWorth+
In short
NetWorth+ is a budget app for iPhone and Android that works without linking a bank account. You add transactions yourself, import a CSV file downloaded from your bank, or describe them to Numo, the AI assistant, or scan a receipt. Imported transactions wait in a Financial Inbox until you approve them. It tracks budgets by category, net worth, credit cards and shared bills, and the free plan has no time limit and no ads.
Bank login
Never asked for
Import
CSV from your bank
AI entry
Numo, built in
Price
Free. Pro $49.99 a year
Why
Linking a bank is the default in most US budgeting apps. These are the reasons people give for not doing it.
The cost is effort: somebody has to put the transactions in. The rest of this page is about making that as light as it can be.
In practice
Groceries, dining out, gas, subscriptions. Pick the few that matter and give each a monthly amount.
Amount, category, account. Or type it to Numo in plain words, or scan the receipt.
Download the month from your bank's website and import it. The rows wait in your Financial Inbox to be approved.
If an account drifts from your bank, enter the real balance and carry on from there.
By design
NetWorth+ never asks for it, so it never stores it.
Nothing reads your bank account on a schedule. What is in the app is what you put there.
No ads in the app, and your data is not sold.
Compared
| Bank-linked apps | NetWorth+ | |
|---|---|---|
| Works without access to your bank account | No | Yes |
| Imports transactions automatically | Yes | No, CSV import instead |
| Budgets by category | Yes | Yes |
| Net worth | Usually | Yes |
| Shared bills with a partner or roommates | Rarely | Yes |
Bank-linked apps save you the typing, and that is a real advantage. If it matters more to you than keeping your bank login to yourself, one of them is the better fit.
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.