Why don't I want bank sync?

Bank sync requires giving credentials (or OAuth tokens) to a third-party aggregator like Plaid or Yodlee. That party then holds the keys to your entire financial life. Multiple aggregators have had security incidents. If privacy is a priority, manual entry is the safe choice.

Is manual entry too tedious?

It takes 5-10 minutes the first time you set up an account, then 1-2 minutes a month to refresh balances. Live market prices update automatically for stocks and crypto. Property values can be linked to the National Property Index for automatic adjustments.

Which app supports the most assets?

WealthMap supports 10 asset categories — cash, property, stocks, ETFs, mutual funds, crypto, pensions, gold, collectibles, and other — plus separate liability tracking. Most competitors support fewer.

Do any of these work outside the US?

WealthMap is built for an international audience (16 currencies, property data for 40+ countries). Synx works internationally but with fewer country-specific features. Net Worth Tracker is currency-agnostic. Spreadsheets work anywhere.

Best Net Worth Tracker Apps Without Bank Sync (2026)

If you don't want to hand your bank credentials to Plaid, you have fewer options than the App Store suggests. Here are the net worth tracker apps that genuinely work without bank sync — ranked, with the trade-offs.

App	Manual-only	Multi-currency	Property	FIRE tools	Lifetime price
WealthMap	✓	✓ (16)	✓ (40+ countries)	✓	€69.99
Synx	✓	Partial	—	—	€89.99
Net Worth Tracker	✓	—	—	—	—
Spreadsheets (Numbers/Excel)	✓	manual	manual	manual	n/a
Monarch Money	—	Partial	—	—	—
Empower	—	—	—	—	—

Why no bank sync matters

Most net worth apps connect to your accounts via Plaid or a similar aggregator. The convenience is real — transactions appear automatically. But the cost is your bank credentials living on someone else's server.

Plaid has had multiple security incidents. In 2024, a $58 million class-action settlement was paid out over alleged unauthorized data harvesting. Even with OAuth tokens replacing credentials, every aggregator becomes a single point of failure for your entire financial life.

If your bank credentials leak, you can change them. If your entire transaction history is exfiltrated, you can't unsend it.

1. WealthMap (€69.99 lifetime · iOS)

WealthMap is the most complete privacy-first net worth tracker in 2026. No bank sync. No accounts. iCloud sync is opt-in and end-to-end encrypted by Apple.

What sets it apart: a Wealth Age behavioral score, a FIRE calculator with a What-If slider, and a National Property Index tracking your property against the official price index for 40+ countries (ECB, UK Land Registry, FRED, OECD, BIS).

Pricing: 7-day free trial (no card), €5.99/month, €34.99/year, or €69.99 once for Lifetime. Available worldwide.

Best for: people who want one app that handles stocks, crypto, property, pensions, and liabilities with on-device AI insights.

2. Synx

Synx is privacy-first and manual-entry, like WealthMap. Smaller feature set: no FIRE calculator, no property index, limited multi-currency, no on-device AI. Pricing is higher (€89.99 lifetime as of May 2026).

Best for: people who want a minimal privacy-first tracker and don't need property or FIRE tools.

3. Net Worth Tracker (free + IAP)

Net Worth Tracker is the simplest manual-entry option on the App Store. Free with optional in-app purchases. No multi-currency, no property index, no FIRE tools.

Best for: people who want the absolute simplest 'enter the number, see the chart' experience.

4. Spreadsheets (Numbers, Excel, Google Sheets)

Still the most private option, if you're willing to build it yourself. You control every cell, every formula, and where the file lives. The downside: no live market prices, no automated property index, no behavioral analytics, no mobile UX.

Best for: people who already love spreadsheets and want maximum control.

Apps that don't make this list (and why)

Monarch Money, Empower, Copilot Money, YNAB, Tiller, Lunch Money, Pocketsmith — all require account aggregation via Plaid, Yodlee, or a similar service. Some let you add manual accounts as a side-feature, but the product is built around bank sync.

Mint — shut down by Intuit in March 2024.

The best net worth tracker apps without bank sync (2026)