Question 1

What is a net worth tracker?

Accepted Answer

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.

Question 2

How do I calculate my net worth?

Accepted Answer

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.

Question 3

Is the VestlyFi net worth tracker free?

Accepted Answer

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.

Question 4

Is my financial data private and secure?

Accepted Answer

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.

Question 5

Can I track my net worth without a spreadsheet?

Accepted Answer

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.

Question 6

What is the best free net worth tracker?

Accepted Answer

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.

Question 7

Do I have to link my bank accounts to track my net worth?

Accepted Answer

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.

	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

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Net worth tracker: common questions