Worth it

Manual-only net worth tracking, without the budgeting clutter

Worth it, made by Mazzone Apps, is a manual net worth tracker available on iOS, Mac, and Android, at no cost. It does one thing: you enter your assets and debts yourself, update them when you choose, and Worth it shows you the total and how much it changed month to month. There is no budgeting, no spending categories, no bank connections. If you want a calmer financial picture with total control over what gets recorded and when, this is the entire premise.

The app is built for people tired of the breakage cycle that comes with synced banking apps. Worth it leans into that philosophy hard. The site calls it "privacy first" and "manual first," and both are enforced: you choose what to track, you enter the balances yourself, and the app has nowhere to phone home because there is nothing to send.

No bank connections at all. You enter everything by hand

Worth it connects to zero banks and zero brokers. The capture does not mention Plaid or any account aggregator. It is pure manual entry: you type in your bank balance, your brokerage holdings, your real estate value, your car, your pension, your debts, and whatever else you own or owe. The FAQ confirms this explicitly: "Do I need to connect my bank? No. Worth it is manual first so you stay in control. Enter balances or paste totals from your bank or broker. Many users prefer this for accuracy and privacy. You choose when to update."

This approach trades convenience for control. You give up the ease of automatic syncing but gain the certainty that no app has your login credentials and no aggregator is parsing your account structure.

How often you update is up to you. The site suggests once a month for a clean signal with less noise, or weekly if you want finer movement. You set a reminder in the app if you want one. The graph highlights true progress over time. No syncing means no surprise disconnects, no token expiry, no "please reconnect your bank" messages every three months, and no silent staleness while you think everything is current.

You can track bank accounts, cash, investments (stocks and crypto mentioned), pensions, real estate, vehicles, and debts. The app supports custom assets for anything else with a value. Multi-currency is built in with daily exchange rates, so if you own property in another country or hold foreign cash, you can track it all in one net worth number in your home currency.

Assets go into a ledger, net worth comes out

Worth it is not a budget. It asks what you own and what you owe and calculates the difference. There is no category breakdown of spending, no envelope system, no "allocated vs actual" tracking. The workflow is simple: add accounts and assets to the app, update their values when you feel like it, and watch a graph track your total net worth month to month.

The site highlights three types of insights. First, net worth curves show your total over time and help you spot trends. Second, allocation breakdowns show how your assets are spread across account types. Third, you can filter and analyze specific assets or accounts: "Focus on savings, focus on real estate, focus on your pension" as the page puts it. The FAQ describes it as a way to "decide where to save or pay down," though the app itself makes no recommendations.

Critically, Worth it is not a spending tracker. There are no transaction imports, no category rules, no spending categories at all. This makes it useless as a budget but honest about what it is: a net worth snapshot tool for people who want to know their total and whether it is going up or down, and who update their balances monthly or less often.

Free on all platforms. No pricing, no tiers, no trial

Worth it is free to download and use. The site and FAQ make no mention of paid tiers, subscriptions, in-app purchases, or any upsell. There is no "free trial" followed by a paywall. The captured page shows "Available for free on iOS, Mac and Android." That is the entire pricing section.

There is no clarification on what data the app collects, whether it is stored on the device only or synced to Mazzone Apps' servers. The site does promise "sync across devices" and "secure sync" and "secure backups" but does not explain where the data lives. The FAQ says "Your data syncs securely across devices. You can delete it from within the app at any time." That confirms multi-device sync exists but not whether a centralized server is involved. Similarly, "Export to CSV for Excel or Google Sheets at any time" confirms export is possible, and "You can re-import later using the same columns" confirms the export format is portable.

On security and access control, the page is clear: "Protect the app with Face ID, Touch ID, or a passcode lock." That is the device-level control. The privacy policy link is there but not included in the capture, so the data-retention terms and the company's own privacy practices are not documented here.

Best for people who want a monthly check-in, not a daily budget

Worth it is a fit for people who check their net worth once a month or quarterly and do not mind typing in balances by hand. It works well if you hold accounts at many institutions that do not play nicely with bank aggregators (small regional banks, international brokers, crypto exchanges that scrap Plaid's integration), or if you distrust bank sync and prefer to keep your institution credentials to yourself.

It is not a fit for anyone who expects to feed transactions in automatically and watch real-time spending unfold. It is not a budget. It does not tell you where your money goes, it does not warn you when you overspend a category, and it does not help you forecast next month's cash flow. The app is called a net worth tracker for good reason: it shows what you have, not what you spend.

The free tier covers everything described. There are no paid add-ons, no credit-score integrations, no investment advisory. If you want to track your net worth in one place and update it by hand, this is the entire product. If you want automatic bank syncing or spending breakdowns, look elsewhere.