Net worth tracking that stays on your phone. No bank linking. No account. Nothing to breach.
Your assets, debts, expenses, net worth history and milestones live on your device and nowhere else.
Stored with encryption on your phone, with the key held in your iOS Keychain.
Uninstall and every byte is erased. There’s no backup, which is the point.
Optional app lock so nobody else can open it on your device.
Blur every value instantly when someone’s reading over your shoulder.
Live pricing uses anonymous API calls with no personal data attached. Settings shows the current encryption state on your device. Full privacy policy →
Built for people with real assets — not just a checking account.
Assets, debts, equity and savings rate on one screen.
Month-end snapshots record your progress automatically.
Compound growth, net worth velocity, financial freedom estimates.
Live BTC and ETH with deep portfolio analytics built in.
Track property values and equity as part of your net worth.
Live gold and silver prices folded into your totals.
Income, savings rate and monthly cash flow, clearly.
Local notifications for every bill. No cloud required.
$100K, $500K, $1M and beyond — marked when you hit them.
A recap of your month: net worth change, savings rate, top expense.
Every other finance app wants access to your bank. We don’t.
| Networthing | Empower | Copilot | Monarch | |
|---|---|---|---|---|
| Bank linking | Never | Required | Required | Required |
| Data on device | Always | Cloud | Cloud | Cloud |
| Account required | No | Yes | Yes | Yes |
| Crypto analytics | Deep (BTC/ETH) | Basic | Basic | None |
| Real estate | Manual entry | Yes | No | No |
| Live precious metals | Gold & silver | No | No | No |
| Monthly price | $9.99 | Free* | $13 | $14.99 |
*Empower is free to use; it monetizes financial data to market investment products. Competitor details as published at time of writing.
No. Your data is stored locally on your device. We have no servers that receive or store your financial information, so there is nothing on our side to look at.
Everything goes permanently. Because your data is stored only on your device, deleting the app deletes all of it. There’s no cloud backup — which is exactly the point. Export a backup first if you want to keep it.
Never. We don’t run ads and we don’t sell data. The app has no analytics SDK, no tracking pixels, and no third-party advertising integrations of any kind.
Two things. Anonymous price requests to CoinGecko for crypto and metals.live for precious metals, with no personal data attached — and subscription status through RevenueCat. Property values are entered by hand; no real estate data leaves your phone.
Bank linking means storing credentials or tokens on a server and giving a third party read access to your accounts. For a net worth tracker that’s an unnecessary risk. Manual entry takes about two minutes a month, and your data stays yours.
Yes — data is encrypted on your device, with the encryption key held in your iOS Keychain. If encryption can’t be applied on a given device, the app tells you plainly in Settings under Privacy & Security rather than claiming otherwise.
Not today. Networthing is iOS only.
Seven days free, then pick a plan. Cancel anytime in iPhone Settings.
All billing runs through Apple. We never see your payment details.