MyMoneyViz

A private net worth tracker built for couples and complex portfolios

MyMoneyViz is a manual net worth tracker built by Nathan Brachotte, a full-stack engineer and indie maker. It is designed for the investor who holds assets across multiple accounts and multiple currencies and does not want to hand bank credentials to a third party. The tagline on the homepage is "Net Worth Tracker, Live Prices, No Bank Login." The app is currently free in beta; the site says "First 100 users get 1 year of Premium free when it launches."

MyMoneyViz is explicitly built for couples and families. The homepage lists as a feature: "Perfect for Couples & Families. Track your household's complete wealth picture in one place. Combine portfolios, monitor joint goals, and plan your financial future together." This is not marketing language tacked on; it is a core feature the app ships with. Households that manage money jointly but hold accounts separately can pool them into one view of household net worth.

Brachotte built this tool because he wanted a private, reliable way to see his whole net worth without sharing bank logins with an app. The About page describes his mission: "We built MyMoneyViz.com for the 'No-Nonsense Investor.' We believe tracking your net worth shouldn't involve fighting with broken bank connections or dodging constant upsells for trading products."

Manual entry of any asset type. No bank connections ever

MyMoneyViz never syncs to banks or brokerages. The homepage states plainly: "We never connect to your bank or brokerage accounts. You control what data you enter, which means zero risk of credential theft or data breaches."

You enter your holdings manually in a spreadsheet-style interface. The site lists 13+ asset types supported: stocks, crypto, real estate, cash, bonds, and private shares. If it has a value, you can track it. This is not an accident: many investors hold accounts outside the traditional banking system (crypto exchanges, private brokerages, non-US banks, informal loans to family) that do not work with Plaid or any other aggregator. MyMoneyViz makes manual entry the whole point, not a fallback for when syncing breaks.

The app has a specific feature called AI screenshot updates (marked "coming soon" on the page) that will let you upload brokerage screenshots and have an AI extract the values, but it is not live yet. Until then, copying and pasting balances from your broker or typing them in is the workflow.

You can also backfill your history, adding past snapshots so the graph does not jump from zero to your current net worth. The site says "Import historical data to see your full wealth journey." This lets you plot your actual wealth trajectory instead of a flat line until today.

The app supports every major and minor currency: EUR, USD, GBP, CHF, and more. Exchange rates are live and built in. "We convert everything at daily rates so your net worth is one number, in the currency you think in," the page says. Older reports keep the rates they were recorded at, so last March stays last March when you look back at it.

Net worth dashboards, portfolio analysis, and shared goals

MyMoneyViz is not a spending tracker. It does not categorize transactions or help you budget. Instead it focuses on wealth tracking and portfolio analysis.

The core workflow has four steps: (1) set your long-term goals and define a target net worth; (2) add your assets in the spreadsheet interface; (3) analyze your portfolio health, risk exposure, and diversification; (4) update balances monthly and watch your wealth grow and your progress toward goals.

The app shows several types of visualizations. Net worth curves show your total wealth over time. Allocation breakdowns show how your assets are split across stocks, crypto, real estate, and so on. Historical trends let you spot patterns. You can also "see inside your ETFs" and deep-dive into which companies you actually own through your funds, with overlap included.

There is a goal-setting feature: you set your long-term target and the app overlays your target trajectory against your actual growth, so you can spot gaps between intent and reality. The site calls this "Set your long-term goals and overlay target trajectory vs actual growth. Spot gaps between intent and reality."

For couples, the shared-access model lets both people log in and see the combined household picture, update balances together, and track joint financial goals. The About page lists this explicitly as a core value: "Combine portfolios, monitor joint goals, and plan your financial future together."

There is also a subscription tracker built in to log recurring charges and see how much you are spending in every category month by month, though it is not clear whether this is for budgeting or simply tracking subscription debt as a liability.

Weekly and monthly email briefings are available to nudge you to update balances and recap how your net worth has shifted.

The site mentions "free calculators" for comparing investment vehicles over 30 years (fees and taxes included) and computing net worth in seconds, with no account needed.

Free beta, Premium launch pending. First 100 get one year free

MyMoneyViz is currently free in beta with no credit card required. The homepage offers a prominent call to action, "Start Tracking Free," paired with "No credit card required," and a banner promising "First 100 users get 1 year of Premium free when it launches."

That is the only pricing information the site publishes. There is no clarity on what "Premium" will cost when it launches, what features will be exclusive to it, or what stays free in the paid tier. The app is in public beta, so the monetization model is not yet finalized. If you sign up now and are among the first 100 users, you will get Premium for one year when the app launches, at no cost. After that year, the terms are unknown.

The About page reinforces the company's values on data handling: "We don't sell your data, and we don't push 'advisory' services or proprietary trading products like all competitors." This is an explicit promise that MyMoneyViz will not follow the business model of many fintech apps (monetizing your data or pushing high-margin investment products). Instead, Brachotte says the revenue is from subscriptions only.

The privacy and data security story is central. The about page says "By not asking for bank credentials, we keep your exposure low and your peace of mind high." A blog post titled "Why Your Finance App's Bank Connections Keep Breaking" documents the structural reasons why bank syncing fails: token expiry every 90 days, multi-factor authentication blocking automated access, banks changing security rules, and coverage gaps at smaller institutions. MyMoneyViz sidesteps all of this by never attempting to sync. Manual entry is slower, but it works 100% of the time.

Best for couples managing separate accounts and investors who distrust syncing

MyMoneyViz is a strong fit for couples or families who want one shared view of household wealth. It works well if you hold accounts at multiple institutions (crypto, foreign banks, private brokers) that do not play well with Plaid, or if you simply do not want to hand your bank credentials to an app. It also suits investors who want deep portfolio analysis, historical backtesting, and goal tracking.

It is not a fit for spending tracking or budgeting. There is no transaction history, no category spending, no "I overspent groceries" alerts. The free trial is indefinite, but when Premium launches, you will need to decide whether to pay. The exact launch date and pricing for Premium are not yet announced. The app is newer and less mature than competitors like Monarch Money or Empower; uptime and feature stability are not yet proven at scale.