Net Worth - No Bank Link

Record your net worth manually without connecting a bank account. Review every current asset and debt balance, check the totals, and explicitly complete the local month's record. Current balances and completed records stay separate; reconfirming a month preserves earlier successful revisions. Existing automatic records remain readable with their original dates and values. They are not verified month-end balances and are not used as completed monthly growth. Comparisons and charts use completed record months and explain missing months. Tools include asset and debt categories, goals and milestones, asset composition and target allocations, emergency-fund scenarios, Home Equity/LTV, and forecast/FIRE scenarios. Estimates explain their assumptions and observation limits. Net-worth change divided by monthly income is a reference ratio, not an actual savings rate. Unverified benchmark rankings are on hold. Core records work offline and are stored on your device. There is no bank connection, account, cloud sync, subscription, advertising SDK or tracking request. OS backups depend on your device settings. Sharing or copying occurs only after you review a preview and choose the OS action. CSV clipboard previews include amounts; Growth sharing does not automatically add amounts. A monthly local reminder is optional. Permission and reservation must be confirmed; notifications are off by default. No investment or retirement guarantee. Amounts are manually entered USD (en_US). The app interface is English.