OW OwnWorth

A household net worth tracker that never asks for your bank login

Mint shut down with 3.6 million users connected. The spreadsheets its users went back to still work. OwnWorth is the version of that spreadsheet you do not have to build: one screen, everything the household owns minus everything it owes, updated in ten minutes a month.

Explore with US demo data £5.99/month · free trial

Manual by design — especially in the US

Aggregators cover checking accounts well and the places American wealth actually lives badly: 401(k)s behind recordkeeper logins, home equity, private holdings. Typing your numbers in means no Plaid credentials, nothing to re-link every month, and a tracker that still works when an institution changes its API. The monthly confirmation is not a chore — it is the habit.

Honest US tax handling

Set your residency to the United States and pay checks are estimated with 2026 IRS figures (Rev. Proc. 2025-32): federal income tax with the standard deduction, Social Security up to the 2026 wage base, and Medicare including the additional 0.9% — labelled as a single-filer federal estimate, state income tax not included. Where OwnWorth does not have verified logic, it shows your gross and says so, rather than guessing.

A household, not an account list

Fractional ownership is first-class: a house owned 60/40, a brokerage account that is genuinely joint, a 529 that belongs to your kid. Each person's share computes separately, so "what is our number" and "what is my number" are both one tap.

Your data stays yours

Everything you enter exports to a file any day you like, and the account deletes in-app without emailing support. A tracker should earn next month, not hold your history hostage.

Try it with US example data

Open the app and choose the US demo household — fully populated, no signup — and see the whole thing working before you enter a number of your own.

Open the app

OwnWorth is a record-keeping and planning tool, not financial, legal or tax advice, and we are not regulated to give any. Figures you enter are your own; projections are estimates based on them.