Banks, brokers, crypto and the things with no ticker — one figure, and the history that shows how it got there.
Networthy connects to your accounts once a night and records what you held, not just what it was worth. Balances come from your banks through open banking, positions from your brokers, crypto from public addresses you nominate. Everything else — a stake in a private company, a warrant grant, a valuation from a funding round — you enter yourself.
It then answers the questions a single number cannot: how much of this year's change you earned versus saved, how much of it you could actually spend after tax, and how much of it you could sell this week.
With us. Networthy is a hosted service, so your figures sit in a database we run — one per household, isolated from every other. Access is protected by passkeys, so there is no password to guess and nothing to leak.
Being plain about it. We can read your balances and holdings, because working out your net worth means reading them. What we cannot casually read are the credentials that reach your accounts: those are encrypted under a key belonging to your household, wrapped by a key kept outside the database.
Bank data arrives through Enable Banking, a licensed open banking provider, because PSD2 requires it. You sign in at your own bank, so neither they nor we ever see your banking credentials.
It will not tell you what to buy, and it does not pretend a figure is more certain than it is. A valuation from an old funding round is labelled as one. A source that did not answer last night is shown as stale rather than quietly counted as zero. Numbers that rest on an assumption say which assumption.
The figures it reports — including any tax estimates — are for orientation. They are not financial, investment or tax advice.