Best Net Worth Tracker Picks for Every Financial Situation

The best net worth tracker for most people is Monarch Money, thanks to broad account linking, manual asset entry, and shared access for couples. Empower Personal Dashboard is the strongest free option, and Kubera pulls ahead for crypto, real estate, and other complex holdings. The right pick depends on what you own and how much upkeep you’re willing to do.

By Darius Moyo · Reviewed for accuracy by the Finance Fundamentals editorial team

What Changed: Why Net Worth Tracking Looks Different Now

Mint shut down in March 2024, and that single event reshuffled the entire net worth tracking market (ThePennyHoarder, June 2026). Millions of people who had tracked their assets and debts in one free dashboard for over a decade suddenly needed a new home for that data.

That gap is a big part of why Monarch Money, Copilot Money, and Kubera all grew quickly over the past two years. It also explains why today’s tools look different from what came before. Several now build net worth tracking around real estate, crypto, and multiple currencies, not just checking and savings balances.

The other shift is who’s using these tools. More households now hold a 401(k), a taxable brokerage, some cash, and maybe a crypto wallet or a rental property, all at once. A single number that adds it all up and subtracts what you owe is worth more today than it was five years ago, simply because there’s more to add up.

Most of these tools also lean on the same account-aggregation infrastructure that sits behind a lot of fintech apps you probably already use for banking or payments. That’s worth knowing, because it means the security story for a net worth tracker is tied to that underlying layer as much as to the app itself.

Pricing shifted too. A generation of Mint users got used to a free, ad-supported dashboard. Most of what replaced it charges a subscription instead, which is a real cost worth weighing against what you get, even when the app itself is better built than what came before.

How We Scored These Net Worth Trackers

Before ranking anything, here’s what actually separates a good net worth tracker from a mediocre one. We weighed six factors, from account coverage down to whether anyone would realistically keep opening the app after the first week.

We deliberately left app-store rating counts and follower numbers out of the scoring. Those figures say more about a company’s marketing budget than about whether the tool actually covers your accounts correctly.

• Account coverage. Can it link banks, brokerages, retirement accounts, crypto wallets, and real estate, or just the basics?
• Manual asset support. How easy is it to add a house, a car, or a private investment with no data feed?
• Cost versus depth. A free tool and a $250-a-year tool can both be the right answer. The question is whether the price matches what you actually get.
• Data practices. Is the connection read-only? Does the company sell data or push financial products on the side?
• Trend history. Does it show your net worth over months and years, or only a single snapshot?
• Real-world usability. Would a normal person actually open this once a month, or does it feel like homework?

A net worth tracker answers a different question than a budgeting app. If you’re trying to pin down where last month’s paycheck went, a budgeting app is the better tool for that job. A net worth tracker is built for the wider view: everything you own, minus everything you owe, watched over time.

Net Worth Trackers Compared

Here’s how the six tools stack up on price, free access, and the feature that sets each one apart. Read the full breakdowns below the table before you commit to one, since the summary line rarely tells the whole story.

Monarch Money: Best Overall

Monarch built its reputation as a direct answer to Mint’s shutdown, and it shows. The dashboard connects banks, brokerages, retirement accounts, and loans, then layers manual entries for real estate and vehicles on top (ThePennyHoarder, June 2026).

Best for

Households and couples who want one shared view of both day-to-day spending and total net worth. It’s also a solid fit if you’ve been juggling a spreadsheet and a separate budgeting app just to see the same picture.

Strengths

Broad account linking, a net worth trend chart that updates automatically, and genuine multi-user access so both partners see the same numbers instead of screenshotting a spreadsheet back and forth.

Limits

The 7-day trial asks for payment details upfront, and the higher Plus tier only comes as a $199 annual plan with no monthly option. That’s a meaningful jump if you were hoping to test the premium features cheaply first.

Cost

Monarch Core runs $14.99 a month or $99.99 a year. Monarch Plus is $199 a year only (ThePennyHoarder, June 2026). That’s a wide gap between tiers, so it’s worth trying Core first to see whether you actually need Plus’s extras.

Verdict

We’d argue Monarch is worth the subscription if you’re already paying for even one other finance app. It’s good enough to replace two tools with one.

Empower Personal Dashboard: Best Free Option

Empower’s Personal Dashboard costs nothing, and it isn’t a stripped-down version of anything. It keeps a running tally of assets minus liabilities and includes free investment analysis tools most paid apps charge for (FinanceBuzz, updated August 2025).

Best for

Anyone who wants automated net worth tracking without a subscription and doesn’t mind the occasional sales call. It’s also a fine starting point if you’re not sure yet how much depth you actually need.

Strengths

Zero cost, solid account aggregation, and genuinely useful free tools like an investment checkup and a retirement planner. Both come standard with the free tier instead of sitting behind a paid upgrade.

Limits

Empower won’t import your balance history from before you signed up, so your trend line starts at zero. It also runs on a wealth-management referral model, with advisory tiers starting around $100,000 to $250,000 in assets and annual fees between 0.49% and 0.89% (FinanceBuzz, updated August 2025).

Cost

The dashboard itself is free. The paid advisory service is optional and only relevant if you have six figures or more to manage, and you can ignore the pitch entirely and keep full access to the free tracker.

Verdict

The advisor outreach is a fair trade for a free tool this capable, as long as you’re comfortable saying no to a pitch now and then.

Kubera: Best for Complex Portfolios

Kubera treats crypto wallets, real estate, vehicles, precious metals, private equity, and stock options as equally normal parts of a balance sheet, alongside standard bank and brokerage feeds (WallStreetZen, 2026).

Best for

People whose assets don’t fit neatly into a checking-and-401(k) framework, including multi-currency households and serious crypto holders. If your balance sheet reads more like a small business than a household budget, this is the category built for you.

Strengths

Wide asset coverage, read-only connections, multi-currency support, and a “Dead Man’s Switch” feature that hands beneficiaries access under specific conditions. Kubera is explicit that it doesn’t sell user data to advertisers (WallStreetZen, 2026).

Limits

There’s no free tier, and $249 a year for the Essentials plan is steep if your finances are simple. The Black tier runs $2,499 a year.

Cost

$249 a year for Essentials, $2,499 a year for Black, with a 14-day trial. Neither tier includes an ongoing free plan once that trial runs out.

Verdict

Kubera’s price tag is steep, but for someone with real estate, crypto, and private equity all in one financial life, it’s the only tool on this list that doesn’t feel like a workaround.

Copilot Money: Best for Apple Households

Copilot Money pairs a polished budgeting interface with a net worth tool that subtracts debt balances from everything you own. You can even add a home’s value just by typing in the address (Forbes Advisor, audited April 2026).

Best for

iPhone, iPad, and Mac users who want budgeting and net worth in one well-designed app. It suits anyone who’d rather manage spending and total wealth in a single login than juggle two apps.

Strengths

Clean design, address-based real estate valuation, and crypto tracking through integrations like Coinbase. None of that requires manual spreadsheet work on your end, which is part of why reviewers keep calling it one of the better-looking budgeting apps on the market.

Limits

There’s no native Android app. A web version exists as a workaround, but it’s not the same experience Apple users get (Forbes Advisor, audited April 2026), which matters for mixed-platform households sharing one account.

Cost

$13 a month or $95 a year, which works out to about $7.92 a month. A 30-day free trial is included.

Verdict

A strong pick if you live in Apple’s ecosystem. Android households should look elsewhere first, since the web app is a real downgrade from the native experience.

Tiller Money: Best for Spreadsheet Control

Tiller skips the pre-built dashboard entirely and instead feeds your transactions straight into a Google Sheets or Excel workbook you control (The College Investor, updated April 2026). It’s the closest thing on this list to owning your own finance software.

Best for

People who already think in spreadsheets and want full control over how net worth gets calculated and displayed. It also suits anyone who’s outgrown a rigid app dashboard and wants to see the formulas behind their own numbers.

Strengths

Automatic feeds from more than 21,000 institutions, a Foundation Template with built-in net worth visualization, and total customization since it’s your own spreadsheet underneath, formulas and labels included.

Limits

It’s still a spreadsheet, not an app. Anyone uncomfortable in Sheets or Excel will find the setup more work than a dashboard-style competitor.

Cost

$79 a year, annual billing only, with a 30-day trial. There’s no month-to-month option if you’d rather pay in smaller chunks.

Verdict

If you’ve ever built your own budget spreadsheet and liked it, Tiller automates the annoying data-entry part without taking away the control.

Simplifi by Quicken: Best Budget Pick

Simplifi treats net worth as a secondary view built on top of its main budgeting feature, called the Spending Plan, alongside investment portfolio tracking with cost basis and real-time quotes (CostBench, last verified May 2026).

Best for

Solo users who want low-cost budgeting with a decent net worth view attached, not the other way around. It’s a natural landing spot for anyone coming from a pure budgeting app who wants net worth without switching to something pricier.

Strengths

Low price, projected cash flow with what-if scenarios, and retirement planning tools bundled in. None of those features sit behind a separate add-on purchase, which isn’t always true of competitors in this price range.

Limits

It’s single-user only, with no household or partner sharing. There’s also no traditional free trial, just a 30-day money-back guarantee on the annual plan.

Cost

$3.99 a month billed annually ($47.88 a year), or $6.99 a month if you pay monthly. Paying annually works out to roughly 43% less than the month-to-month rate (CostBench, last verified May 2026).

Verdict

The cheapest capable option here, as long as you don’t need to share access with a partner. If you do need that shared access, this one gap probably rules it out no matter how good the price looks.

How to Choose Based on Your Own Situation

Start with what you actually own, not what looks impressive in an app store screenshot. Someone with a checking account and a 401(k) needs far less tool than someone juggling crypto, a rental property, and multiple currencies.

Two questions do most of the work. How many distinct types of assets do you hold? And how much manual upkeep are you actually willing to do each month?

A third question matters almost as much: are you tracking this alone, or does a partner need to see the same numbers? Solo-only tools like Simplifi save money but push shared households toward Monarch Money or Kubera instead, regardless of asset mix.

A fourth question is about timeline. Someone chasing an early-retirement number cares about the trend line over years and wants investable net worth broken out clearly. Someone just trying to see progress after paying off debt cares more about the month-to-month direction than the exact composition of assets.

No crypto and no rental property here. The profile is a retirement account, a brokerage, cash, and a primary home, so Monarch Money or Copilot Money covers it cleanly without paying for Kubera’s alternative-asset depth. Add a rental property or serious crypto trading to that picture, and the math on Kubera’s $249 fee starts to look different.

Change the picture and the pick changes too. Someone who’s 29, with $40,000 in savings, $15,000 in a Roth IRA, and $22,000 in crypto spread across three exchanges, has a smaller net worth in dollar terms but far messier account coverage needs. That profile leans toward Kubera or Empower’s free tracking rather than a real-estate-focused app like Copilot Money.

A single broken sync can quietly misstate your net worth by tens of thousands of dollars for months before anyone notices. That’s a strong argument for checking in on the raw linked-account numbers now and then, not just the summary chart.

The data-security tradeoff belongs on this list too. Every account you link is an account a third party can see, even with read-only access, so it’s worth reading how a provider actually handles and stores that data before you connect everything you own.

What Experienced Trackers Do Differently

People who’ve tracked net worth for years tend to separate “investable net worth” from total net worth, pulling out home equity and locked-up retirement funds to gauge real progress toward financial independence.

Many reconcile by hand once a quarter even with everything linked, because sync errors compound quietly if nobody checks. Plenty also keep an independent export of their history after watching Mint’s 2024 shutdown erase years of data for people who hadn’t backed anything up.

They also resist chasing precision to the exact dollar. A rough number checked consistently beats a precise number checked once and forgotten. The habit of checking beats the precision of the number, every time.

Some go a step further and track net worth as a percentage change month over month instead of a raw dollar figure. That framing smooths out the anxiety of one bad market week and keeps the focus on direction rather than a single noisy data point.

If there’s one mistake to avoid above all, it’s picking a tool with more depth than your financial life actually needs, then quietly abandoning it three months in because the upkeep feels like a chore. The right tool is the one you’re still opening a year from now, not the one with the longest feature list on launch day.

Key Takeaways

• Monarch Money is the strongest all-around net worth tracker for 2026, especially for couples who want shared access.
• Empower Personal Dashboard is free and genuinely capable, but expect occasional advisor outreach tied to its wealth management business.
• Kubera earns its higher price for real portfolio complexity: crypto, real estate, or private equity all in one place.
• Copilot Money and Simplifi by Quicken suit single users who want budgeting and net worth in one lighter app.
• Tiller Money only makes sense if you’re already comfortable living inside a spreadsheet.
• The tool matters less than the habit. A net worth tracker only helps if you actually open it every month.

FAQ

What is the best net worth tracker overall?
Monarch Money is the best all-around pick for 2026. It links a wide range of accounts, lets you add real estate and vehicles manually, and shows a net worth trend line couples can view together (ThePennyHoarder, June 2026).

Is there a completely free net worth tracker?
Yes. Empower Personal Dashboard costs nothing and includes automatic net worth calculation, though it won’t back-fill your balance history from before you signed up (FinanceBuzz, updated August 2025).

Which net worth tracker handles crypto and real estate best?
Kubera is built for that kind of complexity, covering crypto wallets, exchanges, real estate, vehicles, and private equity in one dashboard, with plans starting at $249 a year (WallStreetZen, 2026).

Is it safe to link my bank accounts to a net worth tracker?
Most reputable trackers use read-only connections that can view balances but can’t move money. That’s safer than sharing login credentials directly, but a third party can still see your account data, so weigh that tradeoff before connecting anything.

How often should I check my net worth?
Monthly is usually enough. Checking daily just reacts to market noise, and checking less than once a quarter makes it hard to catch a sync error or a real trend change early.

What’s the difference between a net worth tracker and a budgeting app?
A net worth tracker adds up everything you own and subtracts what you owe, for one wide-angle number, usually updated monthly. A budgeting app tracks where your money goes week to week. If your real question is where last month’s paycheck went, a cash-flow-focused budgeting app solves that better than a net worth tracker will.

Do I need more than one net worth tracker?
Not usually. Most people do fine with one tool that covers their actual asset mix. Layering a second app on top just adds another login to maintain without adding real insight.

What counts as an asset or a liability when calculating net worth?
Assets are anything with cash value, including bank balances, investments, retirement accounts, real estate, and vehicles. Liabilities are what you owe, including mortgages, auto loans, student loans, and credit card balances. Net worth is simply assets minus liabilities.

References

• ThePennyHoarder, “Monarch Money Review 2026: Pricing, Features, Safety & Is It Worth It?” updated June 3, 2026.
• FinanceBuzz, “Empower Review: Free Net Worth Tracking + Budgeting,” updated August 25, 2025.
• WallStreetZen, “Kubera App Review 2026: Is This Premium Net Worth Tracker Worth It?” 2026.
• Forbes Advisor, “Copilot Money Budget App Review,” audited April 1, 2026.
• The College Investor, “Tiller Money Review 2026,” updated April 22, 2026.
• CostBench, “Simplifi by Quicken Pricing,” last verified May 30, 2026.