Log your assets and liabilities each month. Watch your net worth grow. Your data is saved securely to your account.
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Net worth tracker: common questions
What is a net worth tracker?
A net worth tracker is a tool that records your assets (cash, investments, property) and liabilities (loans, credit cards) over time so you can see your true net worth (what you own minus what you owe) and watch it grow month to month.
How do I calculate my net worth?
Add up the current value of everything you own, then subtract everything you owe. The result is your net worth. VestlyFi does the math for you: log each asset and liability and it totals your net worth automatically and charts the trend.
Is the VestlyFi net worth tracker free?
Yes. Tracking your net worth on VestlyFi is completely free, with no spreadsheet to maintain. Create an account, log your assets and liabilities, and update them whenever you like.
Is my financial data private and secure?
Your data is tied to your own account and is only visible to you when you're signed in. We never sell your information, and you can update or delete your entries at any time.
Can I track my net worth without a spreadsheet?
Absolutely. VestlyFi replaces the manual spreadsheet: it stores your history, calculates monthly changes, shows your asset allocation, and lets you share a clean snapshot of your progress.
What is the best free net worth tracker?
It depends on whether you want to link your bank accounts. If you're comfortable sharing credentials, apps like Monarch Money sync automatically but charge a subscription. If you'd rather keep your logins to yourself, VestlyFi tracks the same picture (total net worth, monthly trend, asset allocation) from a few minutes of manual entry per month, completely free with no upsells.
Do I have to link my bank accounts to track my net worth?
No. VestlyFi is manual by design: you enter balances yourself, so no bank credentials ever leave your hands. Monthly manual updates take a few minutes and have a side benefit: you actually look at your numbers instead of letting an app scroll past them.
How VestlyFi compares to other net worth trackers
The popular net worth apps charge a subscription, whether they sync your accounts automatically or have you type balances in yourself. VestlyFi gives you the tracking for free.
VestlyFi
Monarch Money
Worth Tracker
Price
Free forever
~$100/year
Paid
Bank login required
Never
Yes, for auto-sync
No
Net worth trend chart
Included free
Behind subscription
Behind purchase
Asset allocation breakdown
Included free
Behind subscription
Behind purchase
Shareable progress snapshot
Yes, one click
Screenshots only
Screenshots only
If you want automatic syncing and budgeting on top, Monarch is a polished paid option. But if the job is tracking your net worth, watching the trend, and sharing your progress, VestlyFi does it for free with no bank login involved.
Portfolio Overview
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Loading your portfolio…
Net Worth History
Net Worth
Assets
Liabilities
Log entries for two or more months to see your trend.
Asset Allocation
Add assets to see allocation.
Debt Paydown
—
No liabilities logged yet.
Holdings
Name
Type
Value
Change
6M Trend
Allocation
Updated
No entries yet. Add your first asset or liability.
Update Value
Add New Entry
Log an asset or liability for a specific date.
or type your own:
Add Historical Data
Quickly log this category across multiple past dates.
Date
Value
Update Numbers
Re-log your existing entries with a new date and updated values.
Share Your Progress
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Report a Bug
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