Networo is a net worth tracker for people who want to see the whole picture without handing over their bank logins.

Add what you own and what you owe. Update the values when they change. Networo keeps every value you have ever entered as a timestamped snapshot, so your history is never overwritten, and draws one continuous line from your first entry to the date you reach financial independence.

PRIVATE BY DEFAULT
Bank sync is optional and always has been. You can run Networo for years without connecting a single account. Nothing is sold, and the AI coach never stores your questions.

YOUR RECORD, KEPT PROPERLY
• Unlimited assets and liabilities, in 30 currencies
• Every change saved forever as a timestamped snapshot, never overwritten
• Switch currency and convert your whole history once, at the real ECB rate
• Import a spreadsheet by CSV, export any time
• Optional bank sync, never required

UNDERSTANDING WHAT HAPPENED
• Your net worth trend from the first value you recorded to today
• Category breakdown and a money-flow view of where it all sits
• Your line against the S&P 500 and inflation, so growth is real, not nominal
• What moved since you last looked, broken down by account
• How you compare to your age group, from Federal Reserve survey data

DECIDING WHAT TO DO NEXT
• Your financial independence date, recalculated as your numbers change
• Monte Carlo simulation across thousands of market outcomes
• What-If scenarios: model a raise, a house, a career break, side by side
• A debt payoff planner comparing avalanche and snowball
• A financial health score, and the four things dragging it down
• An AI coach that answers questions about your actual numbers

STAYING WITH IT
• Milestones and a yearly Wrapped, because progress you cannot see is progress you abandon
• A monthly close that updates every account in under a minute
• Share with a partner, with view-only or edit access

BUILT FOR A PHONE
• Works offline. Add and update values with no signal; they sync when you are back.
• Optional fingerprint or face unlock lock on the app itself.

PROTECTED LIKE IT MATTERS
• Bank-level encryption: your balances, account names and notes are encrypted with AES-256 before they are saved, so even a stolen copy of our database would be unreadable.
• No bank password required, ever. Bank sync is optional and off by default.
• Your figures are hidden in the app switcher.
• Never sold, never shared with advertisers or data brokers.
• Export everything as CSV for free, or delete your account and your data is erased and any subscription cancelled first.
Read how it works: networo.com/security

PRICING
Networo is free to use. Networo Pro unlocks bank sync, up to 3 What-If scenarios, Monte Carlo, household sharing and PDF reports, at $4.99/mo or $39/yr. Prices are shown in your own currency at checkout.

Networo is a tracking and planning tool, not financial advice.

Networo works on Android 8.0 and above.