Worthtally vs a bank-linked tracker: which net worth app fits you?
Last updated: 1 November 2026
They solve the same problem from opposite directions. A bank-linked tracker is usually a subscription that syncs your bank, card and brokerage accounts into one dashboard. Worthtally is a private ledger you fill in yourself, with a free tier that never expires and a Pro unlock you can buy once. If you want automatic syncing, choose a bank-linked app. If you want no bank login, no account and no recurring fee, choose Worthtally.
What to compare
- Price. A bank-linked tracker is usually a monthly or yearly subscription after a trial. Worthtally is free for everyday tracking, and Pro can be bought once.
- How data gets in. A bank-linked tracker pulls balances and transactions automatically. Worthtally is manual entry only. It never asks for a bank password.
- Where data lives. A bank-linked tracker syncs through its own service, behind a login. Worthtally keeps everything on your device, with no account and no cloud.
- What a bank link cannot see. Cold-wallet crypto, a house and a vehicle have to be typed in either way. In Worthtally that is the whole model, so nothing breaks when a bank changes its login.
Pick a bank-linked tracker if
- You have many accounts and want balances to update on their own.
- You share money with a partner and want one shared dashboard.
- You want transactions pulled in from your bank every day without typing them.
Pick Worthtally if
- You refuse to hand a bank password to a third party, or your bank keeps breaking the link.
- You track net worth monthly by hand and want the trend, planners and a tax pack without a subscription.
- You want the app on a Mac or a Windows PC as a real desktop app, not a website.
- You want to pay once and be done.
How Worthtally does it
Everyday tracking, including unlimited accounts and 90 days of history, is always free. Pro adds full history and is $9.99 a year on the App Store and Google Play, or $29.99 once for lifetime access on every platform. Windows is lifetime only. One Apple purchase covers iPhone, iPad and Mac, with Family Sharing. Nothing forces you into a subscription.
Pro also adds QIF, OFX and QBO exports, a tax-year pack PDF with a quarterly breakdown and a capital-gains appendix, an accountant bundle ZIP, and live crypto prices from a read-only public price feed.
The free tier is not a demo. You get all nine account kinds (cash, checking, savings, investment, retirement, crypto, real estate, vehicle and debt), the transaction ledger, goals, the FIRE, retirement, emergency and debt planners, live exchange rates, and export to CSV, JSON or Markdown at any time. Budgets, categories, tags, bills and what-if scenarios are Pro.
Get Worthtally
Related questions
- Can I move from another tracker to Worthtally?
- Worthtally's CSV import takes a file of balances or transactions, in the free tier. Check whether your current app can export a CSV first.
- Does Worthtally sync between my phone and my Mac?
- Not through a server. You back up on one device and restore on the other with your own file. On Apple devices you can back up to iCloud Drive with one tap, in the free tier.
- Is Worthtally a budgeting app too?
- It has budgets by category with budget-versus-actual, custom categories, bills and recurring transactions in Pro, and goals free. The difference is where the transactions come from: you enter or CSV-import them in Worthtally, while a bank-linked app imports them from your bank.
Worthtally is a Trueframe Digital app. No account, and your records stay on your device unless you back up or export them. See the Worthtally page for screenshots, the full feature list, prices and privacy details.