Best Private Net Worth Tracker in 2026 (No Bank Login Required)
Published March 19, 2026
Most net worth trackers want your bank login. Mint did. Monarch does. Copilot does. They connect through Plaid or similar services, pulling your account balances automatically. Convenient, sure. But it means a third party has access to your financial data.
If you just want to answer “am I richer than last month?” without handing over your bank credentials, your options have been limited. Spreadsheets work, but they're not pretty and they don't give you trend charts.
What makes a net worth tracker “private”?
A truly private net worth tracker should meet these criteria:
- No account creation.If you need an email to sign up, that's already a data point you're giving away.
- No bank login. No Plaid, no Yodlee, no MX. You enter your numbers manually.
- No server. Your data should never leave your device. No cloud database, no API calls with your balances.
- No tracking. No analytics that tie your financial data to an identity. Pageview analytics are fine. Logging what you type into a finance app is not.
- Open source. You should be able to verify every claim above by reading the code.
Comparing your options
| Tool | No account | No bank login | No server | Open source | Free |
|---|---|---|---|---|---|
| Vaulted | ✅ | ✅ | ✅ | ✅ | ✅ |
| Monarch Money | ❌ | ❌ | ❌ | ❌ | ❌ |
| Copilot Money | ❌ | ❌ | ❌ | ❌ | ❌ |
| Google Sheets | ❌ | ✅ | ❌ | ❌ | ✅ |
| Local spreadsheet | ✅ | ✅ | ✅ | N/A | ✅ |
How Vaulted works
Vaulted is a Progressive Web App (PWA) built with Next.js. When you open it, everything runs in your browser. Your data is stored in IndexedDB with a localStorage fallback. No server receives your balances. No API is called with your financial data.
You can:
- Add assets (cash, stocks, crypto, real estate, retirement accounts)
- Add liabilities (mortgage, student loans, credit cards, auto loans)
- See your net worth calculated automatically
- Take monthly snapshots to track your progress over time
- View trend charts and asset breakdowns
- Support for multiple currencies (USD, EUR, GBP, BRL, CAD, AUD, JPY)
- Export your data as JSON for backups
- Import from CSV if you're coming from a spreadsheet
- Install it on your phone or desktop (works offline)
The trade-off
No automatic bank sync. You type your balances manually. For most people tracking net worth, this means spending about 2 minutes per month updating their numbers. That's the trade-off for knowing that nobody else has access to your financial data.
Since your data is stored locally, clearing your browser data will erase your vault. Vaulted reminds you to export backups regularly. You can also import those backups on any device.
Try it
Vaulted is free and open source. Try it at vaultedworth.com or check out the source code on GitHub.