Show HN: I Built a Manual Net Worth Tracking App (No Bank Connections)
by opx1 | 2025-05-27 16:51:44+00:00
Hey HN, I recently finished building the first version of Neetworth. It's a simple net worth tracker designed for people like me who prefer to have control over tracking their finances (without linking bank accounts, etc.). I have professional experience as a software engineer, although mostly focused on backend work (recently spent 3 years at a YC-backed company!).

Most of the personal finance apps out there (free and paid) push integrations with your banks, but I generally have found that to be frustrating since they usually don't include every bank, the syncs fail often, or they require me to re-authenticate or enter two-factor anyway to get it working. Manual accounts are sometimes there but usually an afterthought. I think there's value in logging into your accounts regularly (helps catch notifications you might’ve missed, etc). Also, net worth tracking is a long-term endeavor that doesn't require tracking any more often than monthly... so a "pull to refresh" capability that's great for day-to-day budgeting apps isn't really needed for net worth only.

In any case, I ditched the apps myself and started using spreadsheets for a few years. I still wasn't really happy with the experience and thought I'd try making something that addressed the things I didn't like to find a middle ground between spreadsheets and automated apps. I look at this as an app I built mostly for myself since it's what I wanted, but it got to a point where I figured others might benefit too (I've seen discussions that let me know I'm not the only one who's not a fan of bank syncing!).

Quick overview:

- No bank connections. You add and update accounts and balances yourself.

- Add custom categories to group your accounts however you want.

- It’s built just for net worth tracking (no budgeting or detailed transactions).

- Graphs of total net worth and individual accounts... probably more to come!

- Includes a "history" feature that lets you add in your previous net worth history (i.e., don't have to recreate every individual account's history to "import" your historical net worth chart).

- Easily "hide" (and unhide) accounts from net worth -> let's you continue to track certain assets or debts but decide when to include them (e.g., some people like to include primary residence in net worth, others not... this lets you track it and only include it if you want).

- Handles closing accounts (hidden from dashboard, but can still be viewed/updated).

- Export all data to CSV as often as you want.

- There’s a 14-day free trial, no credit card required. Then I include an annual plan and a low-priced lifetime plan that's less than some other "big" personal finance apps charge annually. Open to feedback on pricing too, although a "forever free" plan is off the table.

If you try it out and share feedback (bugs, UX issues, ideas, etc.), I’d be happy to send you a coupon code for a free lifetime plan (pretty sure I can make a 100% off coupon code in Stripe!).

This project has been on my mind for several years. I started early versions a few times in various frameworks (Next, Remix, HTMX w/ Go) but I picked up TanStack Start recently and had enough fun that I kept going. As mentioned above, I’m a backend developer by trade so building and shipping all this frontend stuff has been a big shift for me. Getting better at it, but still lots of work to go in content/design!

I'd like to have a good demo mode that doesn’t require sign-up, but that's not there yet. Also high up on my list is a landing page video to show off key features.

Would love any feedback! Thanks!