See your true net worth, every account in one place
Add your bank, card, and cash accounts and watch your real net worth come together — what you own minus what you owe, updated as money moves. No signup, no spreadsheet, and no bank login unless you want one.
All your accounts in one place
Money is scattered: a checking account here, some cash, a savings pot, a card, maybe a little crypto. Money Talks brings every balance onto one screen so you finally see the whole picture. Add bank, card, cash, savings, and investment accounts, and switch between a single account and your full net worth with one tap.
Assets minus what you owe
Real net worth is what you own minus what you owe. Track assets alongside debts and loans, and Money Talks does the math for you: one honest number instead of a guess. Watch it climb as you pay things down and save more.
Net worth, updated as money moves
Every expense, income, and transfer updates the right account balance, so your net worth stays current without any reconciling. Crypto holdings are valued live in your own currency and folded into the same total, so the number you see is the number that is true right now.
Private by design, no bank connection needed
Most net worth apps make you link every account you have before they show you anything. Money Talks starts the other way around: you add accounts yourself, and your finances live on your own device until you choose to sync. Connecting a bank is optional and read-only, so nothing can move money, and disconnecting keeps the transactions you already imported. It works fully offline, and incognito mode hides your amounts with a tap when you are out in public.
Free to budget, Pro for the full picture
Everyday budgeting in Money Talks is free. Accounts and net worth are part of Money Talks Pro, which unlocks multiple accounts, crypto, and more, with a 30-day free trial. No ads, no data selling, ever. See pricing for the details.
Frequently asked questions
Do I need to connect my bank to track net worth?
No. You add your accounts and balances yourself, so your net worth never depends on a bank feed, your data stays private on your device, and it keeps working offline. A read-only bank connection is there on Pro if you want one, and you can disconnect it at any time.
What counts toward my net worth?
Everything you add: bank, card, and cash accounts, savings and investments, plus assets and the things you owe. Money Talks subtracts what you owe from what you own and shows one honest number, updated as money moves.
Does it track crypto in my net worth?
Yes. Add a crypto wallet and your coins are valued live in your own currency and folded into your total, right beside your cash and accounts. Money Talks is a tracker, not an exchange.
Is the net worth tracker free?
Money Talks is free for everyday budgeting. Accounts and net worth are part of Money Talks Pro, which has a 30-day free trial. There are no ads and your data is never sold.