There are two real categories here, not one. Apps that connect to every account and update in real time — and apps, like WorthOS, that ask you to type the numbers in once a month and never connect to anything.
These connect to your accounts directly and update automatically. They set the price ceiling for this whole category, and they trade your bank credentials for real-time numbers you never have to type.
| App | Price | Note |
|---|---|---|
| Monarch | $99.99/yr (Plus $199/yr) | Connects to every account automatically |
| YNAB | $109/yr | 34-day trial, no card required |
| Copilot | $95/yr | Apple-first, connects to every account |
| Simplifi | $71.88/yr standard | Connects to every account automatically |
| Empower | Free | Free tier funded by wealth-management referrals |
This is WorthOS's actual category: nothing connects automatically, you enter the numbers yourself, and in most of these nothing leaves your device unless you choose to sync it.
| App | Price | Note |
|---|---|---|
| ProjectionLab | $129/yr or $1,199 lifetime | Never connects to accounts — closest philosophy to WorthOS |
| Kubera | ~$249/yr | Manual + optional linking, higher price tier |
| Finny Pro | $1.99/mo (free tier available) | Unlimited manual tracking |
| Actual Budget | Free, open source | Self-hosted, budgeting-focused rather than net-worth-focused |
| WorthOS | $0 offline forever, or $39 one-time kit | Monthly manual entry, local by default, optional low-cost sync |
If you have thirty accounts and want a live, always-current balance without touching a keyboard, that's a real feature, and WorthOS doesn't try to compete with it. That convenience is exactly what it costs you a bank connection to get.
Closest in spirit to ProjectionLab — manual entry, no account connections, ever — at a fraction of the price: free to use offline forever, or a one-time $39 kit if you want it as a standalone file with no server involved at all. Optional Cloud sync starts at $49/yr if you want the same notebook on more than one device.
Free to use offline, forever. Start your first snapshot and compare it against nothing but your own history.