Best Private Net Worth Trackers (No Bank Login)

Quick answer: Networo is the best private net-worth tracker, manual-first by design, it never requires a bank login, and adds history, charts, and intelligence on top. A spreadsheet is the most private but has no automation or insights. Kubera can be used manually but is built around connections and costs far more. Ranked below.

1. 1.Networo

   Free tier · Pro $4.99/mo · $39/yr · $99 lifetime

   Best for: private, manual-first tracking with real insights

   • Never requires a bank login, privacy by default
   • Manual entry + timestamped history + trend chart
   • AI Coach, FIRE/Monte Carlo, health score on top
   • Optional bank sync only if you choose it (Pro)

   • Manual upkeep unless you opt into sync

2. 2.Spreadsheet (DIY)

   Free

   Best for: maximum privacy with zero third parties

   • Nothing leaves your device
   • Total control

   • No history, charts, or intelligence
   • Manual and error-prone

3. 3.Kubera (manual mode)

   $249/yr

   Best for: high-net-worth portfolios that can be entered manually

   • Supports manual entries and alternative assets
   • Deep portfolio breadth

   • Built around connections; manual use isn't the focus
   • ~6× Networo's price

Competitor names are the property of their respective owners. Pricing and features are summarized in good faith and were last verified in August 2026. They may have changed since, so please check the current details on each provider’s own website before deciding.