The net worth spreadsheet alternative.
Keep the control of a spreadsheet — lose the formula drift, stale tabs, and lost history. WorthSync is a manual, dated snapshot ledger built for reliable trend lines.
Why a spreadsheet eventually breaks.
Spreadsheets start simple and slowly rot: broken formulas, duplicated month-end rows, and history you're afraid to touch. WorthSync keeps the manual control without the decay.
No formula drift
Net worth, deltas, and trends are computed for you from dated snapshots — no fragile cells to break.
Dated snapshots, not fake month-ends
Log balances on the dates you actually have them; period math picks the snapshot closest to each boundary.
Manual entry, no bank linking required
You stay in control of what's recorded. No mandatory account aggregation or third-party bank connections.
The comparison a sheet can't do for you
Benchmark your own contributions against the S&P 500 total-return index, and see your asset mix drift from target — from the same rows you were already keeping by hand.
History that survives change
Archive or consolidate closed accounts and keep a clean, continuous net-worth chart.
Built-in goals & planning
Goals, FIRE targets, debt payoff, and retirement scenarios — without bolting on another spreadsheet tab.
Spreadsheet alternative — FAQ
Do I have to connect my bank?
No. WorthSync is manual-first: you log dated balance snapshots yourself. There is no mandatory bank syncing or account aggregation.
How is this better than my spreadsheet?
You keep manual control, but WorthSync handles the math — period-over-period deltas, year-over-year trends, and account lifecycle history — so nothing silently breaks.
Can I bring my existing spreadsheet with me?
Yes. There is a CSV import and a bulk backfill screen for historical snapshots, so years of month-end rows can come across as dated snapshots rather than being retyped. Export is just as open: CSV, PDF, or full-fidelity JSON, whenever you want.
Is my financial data private?
Sensitive fields are encrypted and access is enforced at the database layer with Row-Level Security, rather than relying on a shared file's permissions.
Is it free?
Yes — solo net-worth tracking is free forever. Paid plans add household sharing, the analytics engines, and the monthly recap.