Is CustomWorth really 100% offline?

Yes. Zero network calls. Works in airplane mode. All data stays on your device. We literally cannot see your data because we never request it.

How is CustomWorth different from Mint or YNAB?

Mint and YNAB require your bank login and send your data to their servers. CustomWorth is a privacy-first alternative that works 100% offline. No bank connections, no accounts, no tracking. Just a simple net worth tracker on your iPhone.

Can I track my net worth without connecting my bank?

Yes. CustomWorth never asks for bank credentials or financial logins. You manually enter your assets and liabilities, keeping you in full control of your data. No Plaid, no screen scraping, no third-party access.

How do I back up my data?

Tap Settings then Export Data. You'll get a JSON file you can import anytime. Share via email, cloud storage, or local backup.

Is this a budgeting app?

No. CustomWorth tracks net worth only (assets minus liabilities). It's not designed for budgeting, forecasting, or expense tracking. Think of it as your personal balance sheet app.

Yes. No ads, no subscriptions, no premium tiers, no in-app purchases. Completely free forever.

Does CustomWorth work on iPhone and iPad?

CustomWorth is available on iPhone running iOS 17 or later. iPad support is on the roadmap. An Android beta is also in development.

What happens if I delete the app?

Export your data first, then you can import it anytime you reinstall. Your data only exists on your device.

How to Track Your Net Worth (Step-by-Step Guide)

What Is Net Worth?

Net worth is a simple calculation: everything you own minus everything you owe. It's the clearest snapshot of your financial position at any point in time. Unlike income, which measures money flowing in, net worth measures what you've actually built.

Net Worth = Total Assets − Total Liabilities

Why Track Your Net Worth?

See the full picture. Income alone doesn't tell you if you're building wealth or going deeper into debt. Net worth shows both sides.
Measure real progress. Monthly snapshots reveal trends that daily spending habits can't. Are you moving in the right direction?
Make better decisions. When you can see how a purchase or debt payoff changes your net worth, you make more informed choices.
Stay motivated. Watching your net worth grow over months and years is one of the most motivating things in personal finance.

What to Include in Your Net Worth

Assets (What You Own)

Bank accounts (checking, savings, money market)
Investment accounts (brokerage, stocks, bonds, crypto)
Retirement accounts (401k, IRA, Roth IRA, pension)
Real estate (home equity, rental properties)
Vehicles (current market value)
Other valuables (business equity, collectibles, etc.)

Liabilities (What You Owe)

Mortgage balance
Car loans
Student loans
Credit card balances
Personal loans
Any other debts

Methods for Tracking Net Worth

Spreadsheets

Flexible but tedious. You have to build formulas, maintain the sheet, and remember to update it. Easy to make errors. No mobile-friendly experience.

Apps That Require Bank Login

Apps like Mint and YNAB connect directly to your bank accounts via services like Plaid. They automate data collection but require you to share your bank credentials with a third party. Your financial data lives on their servers.

Offline Net Worth Trackers

Apps like CustomWorth let you track net worth without connecting your bank. You manually enter balances, keeping your data private and on your device. Simple, fast, and no credentials to share.

How CustomWorth Makes It Easy

CustomWorth is a free net worth tracker for iPhone that works 100% offline. No bank login, no accounts, no tracking. Just download from the App Store and start adding your assets and liabilities. Take snapshots to track your progress over time.

Download CustomWorth from the App Store. It's free with no ads or subscriptions.
Add your assets (bank accounts, investments, property, etc.) with current balances.
Add your liabilities (loans, credit cards, mortgage, etc.).
View your net worth on the dashboard, calculated instantly.
Take snapshots weekly or monthly to track your progress over time.

Start Tracking Your Net Worth Today

Free. Offline. Private. No bank login required.

Download CustomWorth