Privacy-first · No bank account required

Track your net worth, not your identity.

Other apps connect to your bank and know exactly who you are. When they get breached, fraudsters learn who's wealthy. We only store your email — you enter the numbers. Nobody can connect the dots.

Free forever planNo credit card requiredComplete data privacy
networtharc.com/dashboard
Live preview · sample data

Total net worth

 

Assets

 

Liabilities

 

Net worth over time

30 data points

Assets

$471K
Retirement Account (401k)
$186K39.6%
Investment Account
$121K25.7%
Real Estate
$105K22.3%
Savings Account
$38.2K8.1%
Checking Account
$12.4K2.6%
Cryptocurrency
$7.8K1.7%

Liabilities

$174K
Mortgage
$159K91.2%
Car Loan
$11.8K6.8%
Student Loan
$3.5K2.0%

Goals

One million

$1M · Dec 31, 2036

29.7% · $297K of $1M

First $250K

$250K

Achieved on Nov 1, 2025

Features

Everything you need to understand your finances

From simple tracking to advanced forecasting, built to give you clarity without ever compromising your privacy.

Truly private

No bank connections. No personal info. Just an email and numbers you enter. Breaches happen — but they can't expose what we don't have.

Zero-knowledge by design

Anonymous wealth tracking

We never ask for your name, phone, or address. Even if our database leaked tomorrow, nobody could identify you or your net worth.

Untraceable financial data

Interactive visualizations

Clean charts showing net worth trends over time, with separate breakdowns for assets and liabilities.

Track trends and patterns visually

Goal tracking

Set financial milestones with target amounts and dates. Track progress with visual indicators and see how close you are to each goal.

Monte Carlo forecasting

Sophisticated probabilistic modeling using historical market data, custom distributions, and liability paydown scenarios to project your future.

Up to 100,000 simulations

Shareable reports

Create immutable snapshots and forecast reports with optional password protection. Share your journey anonymously.

Forecasting

Model your financial future, probabilistically

Not just simple projections. Monte Carlo simulations show a full range of outcomes — not a single optimistic line. This is the actual forecast page on a sample portfolio — hit Run analysis and see for yourself.

networtharc.com/forecast
Live preview · sample data

Forecast

Configure growth assumptions per account and run Monte Carlo simulations.

Simulation

Target goal

Optional — used for probability of success.

Target: $1,000,000

By Dec 31, 2036

Current status

Net worth today

$297,200

Accounts configured

9

Account growth models

How each account is assumed to grow (or be paid down) over time.

Assets (6)

Retirement Account (401k)

Retirement Account (401k)

$186,400

Historical market · S&P 500

Investment Account

Investment Account

$121,300

Historical market · S&P 500

Real Estate

Real Estate

$105,000

Historical market · real estate

Savings Account

Savings Account

$38,200

Historical market · bonds

Checking Account

Checking Account

$12,400

Historical market · cash

Cryptocurrency

Cryptocurrency

$7,800

Custom (15.0% ± 50.0%)

Liabilities (3)

Mortgage

Mortgage

$158,600

Keep fixed (no paydown)

Car Loan

Car Loan

$11,800

Keep fixed (no paydown)

Student Loan

Student Loan

$3,500

Keep fixed (no paydown)

Additional parameters

Inflation, recurring cash flows, and one-time events.

  • Historical market data
    Model asset growth using real S&P 500, bonds, and commodities data
  • Custom distributions
    Define your own growth assumptions with mean and standard deviation
  • Liability paydown models
    Account for mortgage payments, loan interest, and debt reduction
  • Additional cash flows
    Model income, expenses, one-time events, and recurring contributions
How it works

Get started in minutes

01

Create your portfolio

Add accounts for each asset and liability — savings, investments, retirement, real estate, mortgages, loans.

Example: 401(k), Savings, Mortgage, Car Loan
02

Enter your values

Manual entry only. No automation, no bank access. Update whenever you want. Numbers without names.

The tradeoff: A few minutes of your time for complete anonymity
03

Track & forecast

Watch your net worth grow with clean charts. Set goals, track progress, and run Monte Carlo forecasts.

Pro tip: Run multiple forecasts to predict when you'll hit goals

Why privacy matters

Most finance apps mean well. But the moment they connect to your bank, they become a target. One breach and criminals have your name, balances, and institutions — a perfect fraud blueprint. We're different by design.

Email only

No name, no phone, no address. Just an email to sign in.

No bank links

Manual entry means no connection between you and your wealth.

Breach-proof

We can't leak what we don't have. Your identity stays yours.

Your wealth is nobody's business.

Track your net worth without making yourself a target. Simple. Private. Secure.

No credit card required · Upgrade to Pro for advanced features