Track Your Net Worth Without a Bank Login

Almost every popular net worth app is built on bank aggregation: you hand over the login to each account, and a third-party service like Plaid quietly reads your transactions to keep a dashboard updated. It feels convenient until you look at what it costs you. Your credentials and full transaction history pass through a company you never chose, your spending becomes data that can be analyzed and sold, and the whole thing only works in the handful of countries where those aggregators have coverage.

Then there is the reliability tax. Bank connections break constantly — a password change, a new two-factor prompt, or a bank quietly revoking access, and suddenly half your accounts read zero. You end up babysitting the very automation that was supposed to save you time. For a lot of people, the honest answer is that they would rather not connect a bank at all.

MyMoneyViz takes the opposite approach: nothing logs into your accounts, ever. You tell the app what you hold — a savings balance, shares in a brokerage, some crypto, a flat, a car, a pension — and it builds your net worth from those figures. Because you enter the numbers yourself, there are no credentials to leak, no aggregator in the middle, and nothing to break when your bank changes its login screen.

That single design choice fixes three problems at once. Your financial data stays private, because it never leaves for a third party to read. Your dashboard never silently goes stale from a dropped connection, because there is no connection to drop. And it works identically whether your accounts are in the US, Germany, Portugal, or spread across all three — the app does not care who your bank is, since it never talks to them.

The usual objection to manual tracking is that market prices move every day, so a hand-entered portfolio is wrong by lunchtime. MyMoneyViz solves that without any bank link: you enter how many shares or coins you hold, and the app fetches the live price for each listed stock, ETF, and crypto on its own. Your holdings are yours to enter; the valuations update automatically.

It does the same for currencies. Assets held in different currencies are converted into the single base currency you choose, using exchange rates that refresh automatically, so a dollar brokerage and a euro savings account still add up to one correct number. The only things you ever touch by hand are the values that genuinely can't be looked up — a cash balance, a property estimate, a private asset — and those change slowly enough that a quick monthly update keeps everything accurate.

It is arguably safer. The biggest risk in aggregator-based apps is that your bank logins and full transaction history sit with a third party; remove the connection and that whole attack surface disappears. With MyMoneyViz there are no banking credentials stored anywhere, because you never provide any. You get the picture of your wealth without exposing the accounts behind it.

About five minutes a month for most people. Market prices and exchange rates update on their own, so the only things you adjust are cash balances and a few manual values like a property estimate. MyMoneyViz emails a reminder on the first of each month so it becomes a quick habit rather than something you forget. Many users find the monthly check-in valuable on its own — it is a moment to actually look at their money.

Yes, anywhere. Because nothing connects to your bank, there is no coverage map to fall outside of. Whether your accounts are in Europe, Asia, Latin America, or split across several countries, you enter what you hold and the app tracks it the same way. This is exactly why people whose banks aren't supported by the big aggregators end up here.

MyMoneyViz is manual by design, and that is a real trade-off worth stating plainly. You do have to enter your accounts once and update a handful of balances each month; the app will not silently pull new transactions in the background. If fully automatic, hands-off syncing is the single most important feature to you, a bank-aggregation app will suit you better, and that is a fair choice.

But for a growing number of people, that small manual step is the whole point. It is what keeps your credentials in your hands, your data out of a broker's database, and your dashboard from breaking every few weeks. Five minutes a month is a low price for a net worth picture that is private, reliable, and works no matter where in the world you bank.