All your money, one place.
Link your banks, cards, and investments once. Networthy keeps everything organized and current from then on — no spreadsheets, no manual updates, nothing to set up.
Read-only access · Bank-grade encryption · Your credentials are never seen or stored
Recent activity
- Paycheck DepositChase Checking$3,200.00Jun 21
- Whole Foods MarketChase Checking-$84.32Jun 20
- Mortgage PaymentWells Fargo Mortgage-$1,840.00Jun 18
- SpotifyChase Checking-$11.99Jun 17
Built for occasional checkups, not constant monitoring
Most finance apps want you to open them every day. Networthy is built to be useful the moment something actually changes — and quiet otherwise.
One number, always current
Net worth pulled together automatically from every linked bank, credit card, and investment account.
Alerts, not a feed to check
Big balance swings and unusual transactions come to you by text or email. The dashboard is for when you want to look, not because you have to.
Knows what's actually recurring
Detects real recurring income and bills from your transaction history, so "expected" means something — and you can correct it when it doesn't.
Track what Plaid can't see
Add real estate, vehicles, or private investments by hand — they count toward net worth right alongside your linked accounts.
AI that works in the background
No prompts to write. Networthy watches your data automatically and surfaces what matters — so you spend less time looking and more time knowing.
Smart spend categorization
Every transaction is classified into Fixed Predictable, Growth, or Flexible Lifestyle spend — a structural read on your money, not just a merchant label.
Hidden account discovery
Scans your transaction history for footprints of accounts you forgot to link — an old HSA, a 401k from a past job, a dormant brokerage.
180-day cash flow forecast
Projects your liquid balance forward six months using your actual recurring income and bills, so a cash crunch shows up before it happens.
Price-creep detection
Flags it the moment a recurring bill posts noticeably higher than its trailing 3-month median — before it quietly becomes the new normal.
Duplicate charge detection
Catches the same merchant and amount hitting twice within 24 hours and flags it as a likely duplicate.
One insight, prioritized
A single line on your dashboard — overdraft risk, a price-creep anomaly, a discovered account, or a nod when you're under budget — always the most useful thing first.
All AI features run on your own data — nothing is shared for model training. Privacy policy →
How it works
Link your accounts
Connect banks, credit cards, and investments in seconds through a secure, read-only connection.
Patterns get detected automatically
Recurring income and bills are picked out of your transaction history, so there's a real baseline for what to expect each month.
You get notified when it matters
A heads-up lands the moment something looks off. Check the dashboard only when you feel like it.
Bank-grade connections. Strictly read-only.
Account linking runs through Plaid — encrypted end-to-end, read-only, with no ability to move money in or out. And internal team access to your data is restricted at the database level, not just by policy.
Read-only, always
Networthy can only view balances and transactions. It has no ability to move, withdraw, or transfer your money — full stop.
Your login, never seen
Bank credentials are entered directly into Plaid's secure connection flow. Networthy never sees, touches, or stores them.
Bank-grade encryption
Every connection runs through Plaid, the same infrastructure used by thousands of banks and financial apps.
Team can't see your data
Internal database access is restricted to anonymized views. Individual transaction names and balances are not accessible to Networthy employees.
Stop checking five apps to find one number.
Takes a couple minutes to link your first account. No credit card required.