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A live net worth tracker: everything you own minus everything you owe, in one place, ticking up with every paycheck. You can compare growth with friends in private leagues without ever showing them a number.

Personal counts everything: linked accounts, uploaded statements and anything you add by hand. Only you see it. Verified counts only accounts linked through Plaid, because a bank feed can’t be typed in or edited. Verified is the only number leagues rank, and members still see just a range.

Three ways, mix and match: link banks, cards and brokerages (updates daily); upload statements, paystubs, W-2s or tax returns and check what we read; or add things by hand, like a home, car or cash. Use “+ Add money” on the Assets tab.

Ducatly spreads your take-home pay across each second since your last balance, so your net worth grows between paydays the way it really does. It uses your paystubs if you’ve uploaded them, otherwise the income you added.

You sign in to your bank through Plaid, which connects thousands of US institutions. Ducatly never sees your bank username or password. We get read-only access (we can’t move money), store it encrypted, and you can unlink anytime from the Assets tab, which revokes it.

Every night, plus whenever your bank tells Plaid something changed. Use “Refresh balances” on the Assets tab for an update right now.

Banks sometimes require you to sign in again (a new password, a security check, or a connection that expired). Tap Reconnect on the Assets tab; it takes about a minute. Until then, your verified number uses the last balance we had.

Ducatly loses access right away, and that institution’s linked accounts and their history are removed. If you had uploaded statements for those accounts before linking, they come back as your history.

Yes. Each linked bank costs us a monthly fee to the data provider, so linking is part of Ducatly Plus. Uploads and adding by hand work without it.

Bank, brokerage, retirement and HSA statements; paystubs; W-2s; tax returns (Form 1040); credit card statements; and CSV exports from your bank or a budgeting app. PDFs or clear photos, up to 15 MB each.

We read each file to pull out the numbers, show them to you to check and edit, and save only what you confirm. The file itself isn’t kept, and we never save Social Security numbers or full account numbers.

An AI model from Anthropic reads them on our behalf. Under Anthropic’s commercial terms it doesn’t train on your documents. You always review the numbers before anything is saved.

Free accounts get 3 a month. Ducatly Plus reads up to 50 a month, or 200 in your first month so you can load a few years of history. CSV imports are part of Plus.

That’s fine. Ducatly recognizes the file and warns you; saving again just updates the same records instead of doubling them.

Anything without a statement: your home, car, cash, a business, collectibles, money someone owes you, and debts like a car loan or student loans if you don’t link them.

Optionally. Give a yearly change (for example +3.5% for a home or −15% for a car) and the value drifts on its own. Ducatly reminds you to re-check homes every few months and cars once a year.

Set your ownership percentage on the account or item. Your net worth counts only your share.

It shows which statements you have for the last three years, which months are missing, and how complete your history is, so your chart and growth numbers are accurate. It’s part of Ducatly Plus.

Ducatly learns when each account’s statement closes and reminds you a few days later, plus W-2s from February and tax returns from mid-April. Reminders show on your Overview and in one bundled email on Sundays. Snooze or turn them off anytime.

Your handle, a range like “$50k–$75k” and a growth band like “▲ under 10%”. Never your exact numbers, your name, your accounts or anything you added by hand or uploaded.

Members are ranked by verified net worth (linked accounts only) and by 30-day growth. You need Ducatly Plus and at least one linked account to be ranked; anyone can join a league and see the standings.

Open your league and tap Invite friends to share a link. Friends who sign up with it join your league automatically. League owners can remove members and replace the invite code.

From the Federal Reserve’s Survey of Consumer Finances (2022), by age group. They’re estimates. Percentiles among Ducatly members appear once enough people your age have linked accounts.

Free: adding things by hand, your net worth and chart, joining friends’ leagues and 3 document uploads a month. Plus ($9.99 a month): linking accounts, league rankings, up to 50 uploads a month, CSV imports, the 3-year history and reminders, forecasts and goals, crypto wallets and starting your own leagues.

Settings → Profile & password → Manage billing. Plus stays on until the end of the period you paid for. Stripe handles payments; we never see your card.

Your account and everything you added stay. Linked banks stay connected for 14 days, then we disconnect them and keep their history, which you can update by hand or relink later.

Add a passkey (Face ID, Touch ID or your device PIN) or turn on emailed sign-in codes in Settings → Profile & password. If you lose a device, use “Sign out other devices”.

Yes: Settings → Profile & password → Download my data gives you everything we store about you as a file.

Settings → Profile & password → Delete account. It removes everything right away, revokes linked banks and cancels Plus. Encrypted backups roll off within 30 days.

No. Ducatly makes money from Plus subscriptions only. See the Privacy Policy for every service provider we use.