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.
On a machine you run. Networthy is self-hosted: the database is a single file on your own disk, and no copy of it is sent anywhere. Access is protected by passkeys, so there is no password to guess and nothing to leak.
One honest exception. Bank data reaches you through Enable Banking, a licensed open banking provider. Your balances and transactions pass through their servers on the way to yours. That hop is how PSD2 works and it is the one part of the chain that is not on your own machine. You sign in at your own bank, so they never 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.