The most private way to track your net worth

The most private way to track your net worth is with an app that never asks for your bank login and never sends your figures to a server. You enter your balances yourself, the app stores them on your device, and only public data, like the price of gold or Bitcoin, ever comes from outside. Net Worth Tracker works this way: no account to create, no bank connection, and a Face ID or Touch ID lock on top.

What “private” actually means for a finance app

Privacy in a net worth app comes down to two questions. First, does it need your bank credentials to work? Second, where do your numbers live once you enter them? Most popular net worth apps answer both questions the way you would not want: yes, they need your login, and your data lives on their servers so it can sync and power their dashboard. That is a reasonable trade-off for some people, but it is not the only option.

A private tracker flips both answers. No credentials are needed because nothing is linked, and your figures stay in the app’s local storage on your phone rather than being sent anywhere. The only network requests it makes are for things that are not personal, like a current gold price.

Why this matters more for net worth than for other apps

A net worth figure is one of the most complete financial pictures you can hand over. It is not one account balance, it is the sum of everything you own: your savings, your property, your metals, your crypto, all in one place. If that combined picture sits on a company’s server, a breach or a policy change exposes far more than a single transaction history would.

Keeping the data on your own device removes that risk at the source. There is nothing centralised for anyone to breach, because there is no central store of your numbers to begin with.

The three things to check in any net worth app

• Does it require a bank login? If yes, your credentials are shared with the app and, usually, with a third-party data aggregator behind it.
• Where does it store your figures? Local storage on your device is different from a cloud account tied to your email.
• Can you lock it? A private app should let you require Face ID or Touch ID before it opens, so a lost or shared phone does not expose your finances.

Net Worth Tracker answers all three the private way: no bank login is ever requested, your entries are kept on your device, and you can require Face ID or Touch ID to open the app at all.

Setting up a private tracker

There is no account creation step to work through first. You open the app and start entering what you own.

1. Add your assets: cash, savings, property, gold, silver and crypto, each in the category it belongs to.
2. Enter metals by weight and crypto by amount, so the app can value them at live market prices without you needing to look anything up.
3. Turn on Face ID or Touch ID in settings so the app is locked behind your phone’s own biometric security.
4. Check back whenever you like. Your dashboard, chart and allocation view are all built from what is already on your device.

What you give up by staying private

Being honest about the trade-off: a private, on-device tracker will not sync your entries across multiple phones automatically the way a cloud-based service can, and it cannot pull transactions from your bank for you. You are the one entering and updating fixed balances. For most people this costs a few minutes a month. In exchange, nobody else ever has your bank login, and there is no account of your finances sitting anywhere but your own phone.

Frequently asked questions

Does a private net worth tracker still need an internet connection?

Only to fetch public market prices, like gold, silver or crypto. Your own entries, such as savings or property values, are stored on your device and do not need a connection to be saved or viewed.

Can I lock a private net worth tracker with Face ID?

Yes. Net Worth Tracker supports Face ID and Touch ID, so you can require your phone’s own biometric check before the app opens.