Best Net Worth Tracker Apps in 2026

At a glance

Your net worth is the number that tells you whether you’re actually building wealth or just shuffling money around. It’s assets minus liabilities — every account balance, investment, property value, and debt in one place. Most people have a rough sense of it. Far fewer know it precisely, track how it changes month to month, or understand which components are actually moving the needle.

Net worth trackers exist to close that gap. They range from free dashboards connected to your bank accounts in real time to spreadsheet-based tools that give you complete control over your data. The right choice depends less on features and more on how you want to interact with your financial information.

What a Good Net Worth Tracker Actually Does

The baseline requirement is pulling together accounts you’d otherwise check separately: checking, savings, investment and retirement accounts, mortgages, auto loans, credit cards, and ideally real estate and alternative assets. The better tools go beyond aggregation — they show trends over time, flag problem areas (like high-fee funds quietly eroding investment returns), and separate your net worth movement into capital contributions versus genuine investment growth.

Beyond features, there’s the data question. Free trackers cover costs through financial product recommendations or selling anonymized usage data. Paid trackers that live in your own spreadsheet eliminate that trade-off but require more hands-on management. Neither is categorically better; it depends on your priorities.

Best Net Worth Tracker Apps in 2026

1. Empower — best free all-in-one tracker

Best for investors who want a comprehensive, free net worth dashboard with real investment analysis tools built in — not just an account balance aggregator.

Empower (formerly Personal Capital) connects bank accounts, credit cards, investment and retirement accounts, crypto, mortgages, and real estate via Zillow, calculating your net worth in real time across all linked accounts. Its Investment Checkup tool is the standout feature: it scans your portfolio for high-expense-ratio funds and shows projected fee drag over 20 years — the kind of analysis that would cost money in any other context. For most individual investors, this alone justifies the setup time.

The catch is what “free” involves. Empower runs a wealth management business on the side, and users with significant investable assets will receive outreach from advisors. The tracking tools remain free regardless; the advisory service is opt-in. For users who want the free tier without any relationship with the wealth management side, it’s worth understanding that distinction upfront.

2. Monarch Money — best for modern UX and household collaboration

Best for couples or households who want a clean, modern interface for tracking net worth and spending together, and are willing to pay for a polished experience.

Monarch Money has become the de facto successor to Mint for users who want a well-designed all-in-one financial app. The interface is genuinely better than most competitors — it’s clean, modern, and built with the clarity that free tools rarely prioritize. It handles collaborative household finances well, allowing multiple users to connect accounts and see a shared financial picture.

Net worth tracking is integrated with budgeting, cash flow, and goal tracking rather than being a standalone screen. For users who want everything in one place and prefer a subscription product (no ad-based business model, no wealth management upsell), Monarch is the cleaner choice. It costs $99.99 per year after a 7-day free trial.

3. Tiller — best for full data ownership and spreadsheet customization

Best for spreadsheet-comfortable users who want their financial data entirely within their own Google Sheets or Excel, with no third-party platform storing or monetizing their information.

Tiller takes a fundamentally different approach to the net worth problem. Rather than providing a proprietary dashboard, it feeds your daily transaction data directly into your own Google Sheet or Excel workbook. Templates handle net worth tracking, monthly budgeting, debt payoff projections, and savings goal monitoring — all within spreadsheets you own and can customize without restriction.

For users who are comfortable with spreadsheets, the control is significant: you can add custom formulas, create your own visualizations, track categories that don’t exist in any preset system, and build reports tailored exactly to how you think about your money. Because the data lives in your own file, there’s no platform risk — if Tiller ceased to exist, your historical data remains yours.

The limitation is the same as the strength: it requires willingness to work in a spreadsheet environment. There’s no mobile-native app; you access your Tiller sheets through the Google Sheets or Excel mobile apps, which works but lacks the polished dashboard feel of Empower or Monarch. At $79 per year with a 30-day free trial, it sits between free (Empower) and premium (Monarch) on cost.

4. Kubera — best for alternative assets and multi-currency portfolios

Best for investors with significant alternative assets — crypto, real estate, international accounts, private investments — that mainstream trackers handle poorly.

Kubera was built for portfolios that don’t fit neatly into standard financial apps. It connects crypto wallets and exchanges natively, supports real estate value tracking, handles international bank accounts and foreign currency positions, and accommodates private investments and vehicles. If you have assets across multiple countries, a mix of traditional and alternative holdings, and have experienced other trackers either refusing to connect or misvaluing positions, Kubera was designed specifically for that problem.

It also has a well-documented estate planning integration — a beneficiary-oriented view that allows designated individuals to access your account details in the event of death, with a timer-based access mechanism. For investors who’ve thought about what happens to complex portfolios in worst-case scenarios, that feature addresses a real gap. Pricing is around $150 per year.

5. Quicken Simplifi — best for tracking spending trends alongside net worth

Best for users who want to track net worth and detailed spending patterns together, in a product built by an established personal finance software company.

Quicken Simplifi is the more accessible sibling of Quicken’s flagship desktop software — a mobile-first app that connects accounts, tracks net worth in real time, and provides more granular spending visibility than most competitors. Its Watchlists feature lets you monitor specific spending categories and get alerts when you’re approaching limits, which adds behavioral utility beyond just watching the net worth number move.

It’s a solid, unremarkable option — no killer feature, no significant weakness — at around $47.99 per year. For users who’ve used Quicken products before and value their ecosystem, Simplifi is the logical modern version. For users coming in fresh, the choice between Simplifi, Monarch, and Empower comes down to whether you want free with minor trade-offs, paid with better design, or paid with full data ownership.

The One Number Worth Tracking Monthly

Net worth changes slowly enough that checking it daily produces more anxiety than insight. A monthly review — ideally within a few days of the same date each month — creates a rhythm that’s useful without being obsessive. What you’re looking for is directional consistency: is the number moving in the right direction, is the pace reasonable given your savings rate, and are there components (a loan balance, a specific account) that are moving in a way that warrants attention?

The specific tool matters less than the habit. Pick one platform, connect your accounts, and check it monthly for a year. After twelve data points, you’ll have more useful financial context about your own situation than any single calculation could provide.

Marko Jambrek

Licensed architect in Zagreb, 30 years of practice (Vastu + sustainable design). Writes about AI tools through a lens of order and long-term value — tests before recommending.