Track your net worth in an encrypted vault that lives on your device. No bank login. No cloud account. No one can see your numbers — not even us.
Three steps from nothing to a complete encrypted picture of your finances.
Choose a strong passphrase. Your vault is encrypted in your browser using AES-256-GCM — a military-grade standard. We never see or store your passphrase.
Manually enter your assets (home, savings, investments, vehicles) and debts (mortgage, loans, credit cards). Everything stays on your device.
Download the encrypted .pwv file. Store it in iCloud, Google Drive, on a USB drive — wherever you trust. Open it on any device with your passphrase.
You don't have to be paranoid to want your finances kept private.
If your numbers are significant, you have every reason to keep them off a third-party server you didn't audit.
You've read the headlines. You know finance apps get acquired, hacked, or quietly change their terms. PrivateWorth's architecture makes those risks irrelevant.
You don't need another budgeting app. You need to see your total net worth — assets minus debts — once a month, clearly, without signing up for anything.
Most finance apps need access to your bank, your transactions, your life. PrivateWorth is designed to need none of it.
Your vault is encrypted using the same standard used by governments and banks. Encryption happens entirely in your browser — before anything is saved.
Your passphrase is the encryption key. It never leaves your device. We have no recovery backdoor because we have no copy. This is intentional.
The encrypted vault file is a regular file. Store it wherever you trust — your hard drive, a cloud folder, a USB key. We do not host it.
Once the page loads, everything works without an internet connection. Open your vault, edit your numbers, save — all offline.
See your total net worth, asset and debt breakdown, and a health score — all calculated locally, all private.
Save snapshots whenever you update your numbers. Build a timeline that shows how your wealth grows over time.
Track which important documents exist — will, mortgage, insurance — without uploading or storing them.
Save and load your data as a real encrypted .pwv file. Your numbers live on your device, not our servers.
Generate a clean, printable net worth report. Useful for your own records or for estate planning.
A one-click wealth summary you can leave with a trusted person or your estate documents.
Every alternative asks for something PrivateWorth never needs.
| PrivateWorth | Mint / Copilot | YNAB | Spreadsheet | |
|---|---|---|---|---|
| No bank login required | ✓ | ✕ | ✕ | ✓ |
| Data stored on your device only | ✓ | ✕ | ✕ | ✓ |
| Military-grade encryption (AES-256) | ✓ | Server-side | Server-side | ✕ |
| No account or login needed | ✓ | ✕ | ✕ | ✓ |
| Works fully offline | ✓ | ✕ | ✕ | ✓ |
| Net worth dashboard | ✓ | ✓ | Limited | Manual |
| Snapshot history & timeline | ✓ | ✓ | Limited | Manual |
| PDF & CSV export | ✓ Pro | Varies | Varies | ✓ |
| One-time price | $29 | Sub. | $99/yr | Free |
| No ads, no data selling | ✓ | ✕ | ✓ | ✓ |
Comparison based on publicly available information as of 2026. Spreadsheet assumes Google Sheets or Excel without third-party add-ons.
No subscription. No upsell. Pay once, own it forever.
14-day refund if it doesn't work as described. Full refund policy →
Finally a net worth tracker that doesn't ask me to hand over my bank credentials. I've been burned by app acquisitions before. This is the only tool I actually trust with my numbers.
I switched from a spreadsheet because I wanted something structured, but I wasn't about to connect my accounts to another startup. PrivateWorth is exactly the middle ground I was looking for.
The encryption is real, not marketing. I checked. AES-256-GCM with PBKDF2 key derivation — the same stack used in password managers. For $29 one-time this is a no-brainer.
Free to use. No account. No bank connection. Open your vault in seconds.