Guide
A net worth tracker without linking accounts
A budget app without linking a bank account still tracks net worth, budgets, and goals. This is a net worth tracker without linking accounts: you type balances or import a statement yourself. You give up automatic pulls from every bank. You keep a ledger that still works when a connector breaks or a product shuts down.
Last reviewed October 20, 2026 by Francis Eshun, Founder of Iron Wealth. He built the on-device tracker these pages describe. Iron Labs.
What do you give up, and what do you keep?
You give up automatic import from every institution. You keep a picture that does not die when a data connector or a parent-company roadmap blinks. After Mint shut down, that trade-off is the point for a lot of people.
What does a month without a bank login look like?
On the 1st you write three balances: 2,400 in checking, 18,000 in savings, and 900 on a card. Net worth that day is 2,400 + 18,000 − 900 = 19,500, in whatever currency those accounts share. Through the month you log the grocery run and the rent. On the 1st of next month you type the three balances again. The gap between your log and the bank is the thing you still have to reconcile. A broken feed hides that gap.
Where does the data sit?
The app stores financial data on your device. A bank password is not required to show the number. Optional encrypted backup is a setting, not the default. The marketing site may use analytics. The ledger is not an ad graph.
Can payment alerts replace a bank feed?
For many people in Ghana, Nigeria, and Kenya, yes. The wallet or bank already sends an alert for each payment. On Android, Iron Wealth reads alerts only from the apps you choose, such as MTN MoMo, M-Pesa, OPay, or GTBank, and turns each one into a transaction for you to check. There is no login and no PIN. A GHS 20 MoMo payment with a GHS 0.20 fee arrives as a 20 GHS expense with the 0.20 GHS fee, without typing.
Who should still link a bank?
If you need a firehose of categorized transactions with no tapping, a bank-link app may feel easier on day one. This path is for people who would rather own a smaller picture they update themselves.
Questions
- Can I import a bank CSV without logging in?
- Yes. Import statements when you want history. Bank login is still not required.
- Can it log mobile money without a login?
- Yes, on Android. Choose the wallet and bank apps to read, and their payment alerts become transactions. On iOS 27 and later, a Shortcuts automation does the same.
- Is a no-bank-login app less accurate?
- It is as accurate as the balances you enter. A broken connector is also inaccurate. You choose the update cadence.
- Is the free core enough to start?
- Yes. Free includes 3 accounts, budgets, goals, Finance AI, and basic insights. Pro unlocks unlimited accounts and planning.
Download Iron Wealth and start with the accounts you actually own. No bank password, no required aggregator.
