Comparison

Net Worth Tracker vs Moneta

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Net Worth Tracker

This app provides a private and secure way to track your net worth and personal finances without linking bank accounts. It offers insights into your assets, debts, bills, and subscriptions, with AI-powered projections and goal tracking.

Highlights
  • Private net worth tracking
  • No bank account linking required
  • Track cash, investments, and bills
  • AI-powered financial insights
  • Goal setting and progress tracking
  • CSV export and import
  • On-device data processing
Features
Read full description

You worked hard for it. Netvo helps you see all of it in one calm, beautiful place. Netvo is a net worth tracker, wealth tracker, and personal finance manager built for people who want a clear picture of their money without giving anyone access to it. Most money apps ask for your bank login on day one. Netvo never does. You tell it what you own and what you owe. It gives you a live, private picture of exactly where you stand. No bank login. No ads in the app. Your financial data stays on your device. WHAT YOU CAN TRACK Cash and Banking: • Cash, checking, and savings in 160+ currencies • Money owed to you and money you owe • Credit cards, loans, and mortgages Investments: • Stocks, crypto, precious metals, property, and vehicles • Live prices: stocks, crypto, exchange rates, metals updated on refresh Bills and Subscriptions: • Every subscription and one-off future payment • Group them into folders like Family or Bills, each with its own total • Press and hold a payment to mark it paid or set its next date • Archive paused items without losing history • Reminders and total monthly spend at a glance DISTRIBUTION • See what you own as simple blocks, sized by what each category is worth • Tap a block to open it and see every account inside NETVO AI Overview: AI projects your net worth trajectory from your real history. Spending: AI surfaces patterns across your subscriptions and planned payments. Goals: AI gives personalised commentary on your pace and deadline. All private. All on-device. No bank link required. GOALS • Set targets tied to net worth, a category, an account, or total debt • Live progress ring updates as your numbers change • Tag your goals (Retirement, FIRE, House Deposit, or your own) and filter by tag • AI projects your deadline based on your actual pace MILESTONES • Unlock achievements as your wealth grows • Every milestone saved with the exact date you unlocked it • Your day streak follows you when you change phones GUIDED TOURS • New to Tracker, Goals or Distribution? A 30-second tour shows you one thing at a time CSV EXPORT AND IMPORT • Export everything: accounts, entries, snapshots, plan items, goals, milestones • Import back on any device. Nothing locked in. PRIVATE BY DEFAULT • No Netvo account required • No bank login, ever • No ads in the app • Your financial data stays on your device • Optional iCloud sync through your own Apple account ____________ NETVO PRO 7-day free trial unlocks: • Unlimited accounts • Unlimited goals • All themes and color palettes • iCloud sync across devices • Custom reminders • Netvo AI • Priority support Cancel anytime, no hassle. Subscription details Netvo Pro is available as: • An auto-renewing yearly subscription with a 7-day free trial for new subscribers • A one-time lifetime purchase with no recurring billing Subscriptions auto-renew unless cancelled at least 24 hours before the end of the current period. Manage or cancel anytime in your Apple ID Account Settings. Privacy Policy: https://netvo.app/privacy Terms of Use (EULA): https://netvo.app/terms

About

Moneta

Features
Read full description

Moneta is the simplest way to see your entire net worth in one place. Add every account you own — cash, bank, investments, crypto — in any currency, and Moneta instantly converts and sums them into a single, always-up-to-date total. A clean home screen shows your wealth at a glance, with a live chart of how it has grown over 1, 3 or 12 months. WHY MONETA • Total net worth — every account, converted to your base currency automatically. • Multi-currency — USD, EUR, PLN, GBP with live exchange rates. • Per-account history — see how each account grows, with dated changes. • Beautiful & fast — a native, thoughtfully designed interface in light and dark mode. • Private by design — no account, no sign-up, no tracking. Your data never leaves your iPhone. • Locked down — optional Face ID / Touch ID and one-tap blur to hide balances. Moneta doesn't connect to your bank, doesn't ask for logins, and doesn't collect any data. It is just you and a clear picture of your money. Track your wealth. Keep it private. Watch it grow.

Screenshots

Net Worth Tracker4 screens
Moneta4 screens

Verdict

The call

The clearest difference is in-app purchases: Moneta at none against Net Worth Tracker's 2. Net Worth Tracker's advantage is iOS requirement (16.0 vs 18.6). On price, update cadence, ads and device support there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Net Worth Tracker sells 2 in-app purchases, starting at $19.99 per year. Moneta asks for nothing beyond the download.

UpkeepUpdate frequency

Net Worth Tracker ships an update every 9 days, Moneta fortnightly. The most recent releases landed on October 24, 2026 and October 25, 2026 respectively.

Scorecard2 real differences · 8 level
Net Worth Tracker versus Moneta: the parameters behind the verdict, then further details
ParameterNet Worth TrackerMoneta
PriceFreeFree
Rating5.0 (1 ratings) — better—
Positive reviews100.0% of reviews—
Number of ratings1 — better—
Update frequencyEvery 9 days — betterFortnightly
AdsNoNo
In-app purchasesYesNo — better
MonetizationFreemium—
DevicesiPhone, iPadiPhone, iPad
Requires iOS16.0 — better18.6
Further details — not scored
Size24 MB2 MB
Age rating4+4+
DeveloperAhzin RazalArtur Keraz

In-app purchases

2 purchases

Net Worth Tracker

Subscriptions1
  • Netvo Pro Yearly7 Days trial$19.991 Year
One-time1
  • Netvo Pro Lifetime$49.99
None

Moneta

No in-app purchases

Questions

Is Net Worth Tracker free?
Net Worth Tracker is free to download, with in-app purchases available.
Is Moneta free?
Moneta is free to download, with no in-app purchases.
Do Net Worth Tracker or Moneta have ads?
Neither Net Worth Tracker nor Moneta shows ads.
Which is updated more often, Net Worth Tracker or Moneta?
Net Worth Tracker ships an update every 9 days, and Moneta fortnightly. Most recently, Net Worth Tracker was updated on October 24, 2026 and Moneta on October 25, 2026.

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