Watch your net worth build over time.
See everything you own and owe in one place, and how close you are to financial independence. No bank login required.
Tracking is free. Pro is $79 USD a year or $9.99 USD a month in the US and Canada. Try Pro free for 7 days, no card.
Rather not install an app? Use Networo in your browser
Net Worth
Example figures$142,850
+$4,200 vs 30dAssets
$198,450
Liabilities
−$55,600
Net Worth Over Time
$0
To get started
0
Bank logins required
2 min
To set up
∞
Unlimited history
Security
Bank-level encryption. Without the bank login.
Your balances and account names are encrypted before they are ever saved, so even a stolen copy of our database would be unreadable. You never give us your bank password, and we never sell your data.
Bank-level encryption inside the database
Balances, account names and notes are encrypted with AES-256 before they are saved.
No bank password required
Type your numbers in yourself. Bank sync is optional and off by default.
Never sold, never shared
No ads, no data brokers, no selling. Providers only process data to run Networo.
Your password never touches Networo
Sign-in runs on Clerk, a dedicated identity provider. Networo never stores passwords.
Delete means delete
Deleting your account erases your data and disconnects your banks. A subscription billed through Networo is cancelled first; one billed by the App Store or Google Play is cancelled by you there first.
Hosted in the United States
Stored on encrypted infrastructure in the United States.
Clarity
Your whole net worth, in one clear number
Add what you own and owe, and Networo turns it into a single number you can feel. Watch the line rise over a month, a quarter, a year, or all time, with every value you log kept private to you.
Net Worth Over Time
+47% / 1YCash flow
See exactly where your money goes
Set your income and spending once and Networo shows your savings rate, how your money flows, and how much you actually keep each month.
Cash Flow
38% savedIncome
$8,000
Spending
$5,000
Saved
$3,000
Independence
Watch yourself reach financial independence
Set a target and a retirement age, and see how close you are to financial independence, with a projected date you can plan your life around.
Financial Independence
On track for 2041
Target $1.4M · 7% assumed return
Everything you need, nothing you don't
From a single savings account to a complex portfolio, the whole intelligence layer is here.
Milestones & streaks
Financial health
A 0 to 100 score with clear next steps.
History that's preserved
Every value you enter becomes a timestamped snapshot, so updates never overwrite the past. Private to you, deletable anytime.
S&P 500 & CPI overlays
Compare your growth against the market and inflation, normalized to you.
Debt payoff planner
Avalanche or snowball, with a clear payoff date and interest saved.
Up and running in 2 minutes
No spreadsheets. No bank logins. No learning curve.
Create your account
Sign up with email or Google. Your account is private and secure.
Add your accounts
Enter your savings, investments, property, and loans in minutes.
Watch your wealth grow
Update values over time and see your net worth trend take shape.
Free to start. Pro when you want more.
Track your net worth for free. Upgrade only for AI coaching, advanced planning, and bank auto-sync in the US and Canada. Try Pro free for 7 days, no card.
Pro
Unlock the full intelligence layer.
or $79/yr (Save 34%)
Price for the US and Canada, where bank sync is available.
Try Pro free for 7 days, no card needed. Start the trial from Upgrade once you have signed up.
Start free, upgrade anytimeQuestions, answered
The things people ask before they start.
Do I have to connect my bank?+
No. Networo works entirely with values you enter yourself, so you never share a bank login. Optional bank auto-sync is available on Pro if you want it, and even then you choose exactly which accounts to connect and can disconnect anytime.
Is my financial data ever sold?+
Never. We do not sell, rent, or share your data with advertisers or data brokers. Your numbers are yours; see our Privacy Policy for exactly who we work with to run the service.
What happens to my history over time?+
Every value you record is saved as a timestamped snapshot, so updating a value never overwrites the old one and your full financial story stays intact. Your history is private to you, and you can delete any entry, or your whole account, whenever you want.
Is it really free?+
Yes. Tracking your net worth, history, charts, and goals is free, and stays free. Pro is optional and adds AI coaching, advanced planning, and bank auto-sync in the US and Canada. You can start free, try Pro for 7 days with no card, and upgrade anytime.
Can my partner or family see it too?+
Yes. You can invite a partner or family member to view or co-edit your financial picture, so a household can track its net worth together.
What's your refund and cancellation policy?+
The core product is free, so you can try everything before paying. Paid plans renew at the listed price and you can cancel anytime in one click from Settings; your Pro access continues to the end of the period you paid for. As set out in our Terms, fees are generally non-refundable except where required by law.
Start building your net worth story
Join people who track their financial progress privately, without sharing a single bank login.
Get started, it's free
Get Networo on your phone
The same account as the web. Works offline, locks with your face or fingerprint, and puts your net worth on your home screen. Scan the code with your phone's camera.
Not ready to start?
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