What's the best app or tool to help me track my net worth?

The “best” net worth tracker depends on whether you want just a wealth dashboard, budgeting too, or maximum control/privacy. My shortlist:

My picks by situation

• “I only care about seeing my net worth grow.” → Empower (free)
• “I want one app for budgeting + net worth + household finances.” → Monarch Money
• “I love Apple apps and want something beautiful.” → Copilot Money
• “I have property, investments, crypto, pensions, and lots of accounts.” → Kubera
• “I don’t want to connect my bank accounts.” → Tiller or a spreadsheet

One important caveat: many of the popular recommendations (Empower, Monarch, Copilot) are primarily built around US financial institutions. If you’re in the UK (for example, tracking ISAs, pensions, UK bank accounts, or property), the best choice may differ because account-linking support is often the limiting factor.

If you tell me your country, whether you want free vs paid, and whether you need to track pensions/property/investments/crypto, I can narrow it to one or two.

The "best" app or tool for tracking your net worth depends entirely on whether you want something 100% free , an all-in-one modern dashboard , or complete spreadsheet control.

Top options categorized by style:

- **Cost:** Free (they make money by offering paid wealth-management services, but you aren't forced to use them).
- **Best for:** Investment tracking and a clean, automated net worth graph.
- **Why it’s great:** Formerly known as *Personal Capital* , it features fantastic tools for analyzing your investment portfolio, retirement planning, and tracking assets vs. liabilities seamlessly without a monthly subscription.[](https://www.reddit.com/r/personalfinance/comments/1r10lbl/net_worth_tracking_recommendations/) [[1]](https://www.reddit.com/r/personalfinance/comments/1r10lbl/net_worth_tracking_recommendations/)[[2]](https://robberger.com/net-worth-calculators/)

- **Cost:** Paid subscription (Free trial available).
- **Best for:** A gorgeous, highly customizable interface that blends deep budgeting with robust net worth tracking.
- **Why it’s great:** Widely considered the gold standard for post-Mint refugees. It allows multi-user logins (great for couples), custom asset/liability manual entries (like real estate or cars), and smooth account syncing without aggressive upselling.[](https://robberger.com/net-worth-calculators/) [[1]](https://robberger.com/net-worth-calculators/)[[2]](https://www.reddit.com/r/personalfinance/comments/1r10lbl/net_worth_tracking_recommendations/)

- **Cost:** Paid subscription ($250/year).
- **Best for:** Crypto enthusiasts, international assets, and high-net-worth individuals.
- **Why it’s great:** It tracks traditional accounts alongside modern assets like crypto wallets, NFTs, domains, and specific global currencies or physical assets. It's laser-focused strictly on wealth tracking rather than daily budgeting.[](https://robberger.com/net-worth-calculators/) [[1]](https://robberger.com/net-worth-calculators/)

- **Cost:** Paid annual subscription (with a free trial).
- **Best for:** People who love Excel or Google Sheets and want automated bank feeds piped right into a spreadsheet.
- **Why it’s great:** Complete data ownership and ultimate customization. You can build your own net worth templates or use Tiller's pre-built financial templates without worrying about an app's UI limitations.

If you want to narrow this down, tell me:

• Do you prefer a free app or are you willing to pay for a subscription?
• Do you want to track daily spending/budgets alongside your net worth, or just assets and liabilities?

If your main goal is “I want one reliable number showing what I’m worth, and I want to see it grow over time,” my pick is Monarch Money.

My top picks

• 🥇 Best overall: Monarch Money — Best if you want net worth plus budgeting, spending, investments, debt, and goals in one place. It can connect bank accounts, investments, loans, credit cards, real estate, and other assets, and charts your net worth over time.
• 💰 Best free option: Empower — If you only care about tracking net worth and investments and don't want to pay, this is probably where I'd start. Current 2026 comparisons consistently rank it as the strongest free option.
• 🏦 Best for complex wealth: Kubera — Excellent if you have lots of different asset types—real estate, crypto, international accounts, private investments, multiple currencies, etc. It's explicitly designed around comprehensive wealth tracking.

What I'd choose

My personal recommendation for most people: Monarch. The big advantage is that net worth doesn't live in isolation—you can see why it's changing through spending, saving, investment performance, debt reduction, etc. Monarch currently supports 13,000+ financial institutions and can also automatically value U.S. real estate through Zillow and vehicles through VinAudit.

If you tell me roughly what you have to track (e.g. 401(k), IRA, brokerage, house, mortgage, bank accounts, crypto, etc.), I can tell you which one I'd pick specifically for your situation.

The "best" tool for tracking your net worth depends entirely on whether you want a 100% free automated dashboard , a deeply customizable spreadsheet , or a feature-rich modern app that also handles budgeting.

The top-rated choices break down by use case:

• Empower (Best Free Option)
  Formerly known as Personal Capital, this is widely considered the gold standard for a completely free net worth and investment tracking dashboard . It links all your accounts (checking, savings, loans, mortgages, and complex investment portfolios) into clean, real-time charts and includes a built-in retirement planner. (Note: They make money by trying to upsell you on their human financial advisory services, but you can safely ignore the calls/emails). You can check it out on the Empower Personal Dashboard.
• Monarch Money (Best Overall / Paid)
  If you migrated away from Mint or want a gorgeous, highly polished app that tracks both net worth and day-to-day cash flow, Monarch Money is a top favorite. It handles multi-user household sharing, custom asset tracking (like real estate or crypto), and deep transaction categorization. It is a paid subscription, but widely praised as the most flexible modern budgeting and wealth suite.
• Tiller Money (Best for Spreadsheet Nerds)
  If you prefer full control over your data rather than relying on an app's interface, Tiller Money automatically feeds your daily bank balances, transactions, and net worth updates directly into Google Sheets or Microsoft Excel . It provides clean automated templates while letting you customize every formula and chart yourself.
• Kubera (Best for High-Net-Worth / Global Assets)
  If you have complex holdings—including international bank accounts, cryptocurrencies, precious metals, domain names, or physical assets—Kubera is built specifically for modern, high-net-worth portfolio tracking. It has a clean, spreadsheet-like interface with global institution connectivity, though it comes with a strict annual price tag.
• Copilot Money (Best Apple-First Option)
  If you live in the Apple ecosystem and want a gorgeous, intuitive mobile-first interface, Copilot Money offers fantastic machine-learning categorization, investment tracking, and a sleek net worth timeline.

To help narrow this down, tell me:

• Do you prefer an automated app connection or a manual spreadsheet?
• Are you looking for just net worth tracking , or do you also want budgeting and spending analysis?

If your main goal is “I want one place that shows my net worth and how it changes over time,” my top pick is Empower Personal Dashboard.

My picks

• Best free: empower.com — It connects checking, savings, credit cards, loans, investments, and retirement accounts, then calculates your net worth automatically. It’s completely free.
• Best overall paid option: Monarch Money — Better if you want net worth + budgeting + spending + goals in one polished app. Current comparisons put it around $100/year.
• Best for complicated wealth: Kubera — Particularly good if your net worth includes things like real estate, crypto, private investments, collectibles, or other less-standard assets.
• Best if you're an Apple-first user: Copilot Money — Excellent interface and combines spending, investments, and net worth tracking.

What I'd do

Start with Empower. You get the core thing you want—an automatically updated balance sheet—without paying anything. It also has investment analysis and retirement-planning tools.

If you find yourself wanting better budgeting and a more polished day-to-day money app, move to Monarch.

One caveat: whenever you connect financial accounts to an aggregation service, review its security practices and the permissions you're granting. Empower says it uses encryption and multifactor authentication.

If you tell me roughly what makes up your net worth (e.g., 401(k), brokerage, bank accounts, house, mortgage, crypto, etc.), I can tell you which of these is the best fit for your situation.

The "best" app or tool for tracking your net worth depends entirely on whether you want something free , a comprehensive dashboard that also handles cash flow, or a heavy-duty asset tracker for complex portfolios.

The top-rated choices break down by use case:

• Empower (Best Free Option): Formerly known as Personal Capital, the Empower Personal Dashboard is widely considered the best free tool available. It cleanly aggregates your bank accounts, loans, mortgages, and investment portfolios while offering robust retirement and fee-analyzer tools. The catch: Because Empower makes its money as a wealth management firm, free users may occasionally receive calls or emails pitching their paid advisory services.
• Monarch Money (Best Overall Dashboard & For Couples): If you are willing to pay for a polished, ad-free experience, Monarch Money has become a market favorite. It features gorgeous net worth charts, Zillow integrations for real estate valuation, excellent investment tracking, and seamless household/partner sharing.
• Kubera (Best for High-Complexity & Crypto): For advanced portfolios involving crypto wallets, international accounts, precious metals, private equity, or physical assets like cars and watches, Kubera is built specifically for that level of depth. It uses multiple aggregators and live price feeds to keep alternative assets updated, though it comes with a higher annual price tag.
• Tiller Money (Best for Spreadsheet Nerds): If you prefer complete ownership of your data without logging into a third-party app interface, Tiller Money automatically feeds your daily account balances and transactions directly into a Google Sheet or Excel template.
• Quicken Simplifi (Best Budget & Wealth Combo): A reliable, budget-friendly paid tool that gives you a solid grasp of your cash flow alongside clean long-term net worth reporting and goal tracking.

To help narrow down the right choice for you , tell me:

• Do you prefer a 100% free app or are you open to a paid subscription?
• Do you need to track cryptocurrency, real estate, or private assets , or just standard bank and retirement accounts?

The "best" tool to track your net worth depends entirely on whether you want a free automated dashboard , an all-in-one paid app , a specialized tool for complex assets , or total control via a spreadsheet.

The leading options categorized by what they do best include:

• Empower Personal Dashboard (Best Free Option) : Formerly known as Personal Capital, this is the gold standard if you do not want to pay a subscription. It automatically links your bank accounts, loans, mortgages, and investment portfolios. It offers robust investment tracking, retirement planning calculators, and fee analysis. The catch: Because the app is free, their financial advisors may call or email you to pitch their paid wealth management services (though you can opt out).
• Monarch Money (Best All-In-One Paid App) : Widely considered the top modern alternative to Mint, Monarch features a gorgeous, highly customizable interface. It seamlessly combines day-to-day budgeting, cash flow analysis, and robust net worth charts. It also supports collaboration (great for couples) and automatically pulls in home values via Zillow. It requires a paid annual subscription (though free trials are available).
• Kubera (Best for High-Net-Worth & Alternative Assets) : If your wealth extends beyond standard bank accounts into crypto wallets, precious metals, domain names, collectibles, or global multi-currency accounts, standard apps will choke. Kubera is built specifically for this level of complexity and features advanced portfolio tracking and estate planning/beneficiary handoff features. It is a premium, paid tool.
• Tiller Money (Best for Spreadsheet Lovers) : If you love the absolute control of Microsoft Excel or Google Sheets but hate manually typing in your account balances every month, Tiller is the answer. It securely and automatically feeds your daily financial and account data directly into clean, customizable spreadsheet templates.
• Manual Spreadsheets / Excel / Google Sheets (Best for Privacy & Control) : If you refuse to link your bank credentials to any third-party aggregator due to privacy concerns, a self-managed balance sheet where you hand-key your asset and liability totals once a month is 100% free, private, and takes less than 20 minutes.

To help narrow down the best choice for you , tell me:

• Do you prefer a free app or are you willing to pay a subscription for better design/features?
• Do you want to track day-to-day spending/budgets alongside your net worth, or just investments and account balances?
• Do you have complex assets like crypto, foreign accounts, or real estate?

If your main goal is “I want one place that tells me what I’m worth and shows whether I’m actually getting wealthier,” I’d narrow it to three:

🥇 My recommendation: Empower

For pure net-worth tracking, I'd start with Empower. It automatically brings together your investments, bank accounts, credit, and other accounts and gives you a net-worth history/chart. The Personal Dashboard is free.

It's particularly good if you want to check something like:

Net worth today: $XXX,XXX → +$XX,XXX this year → investments $XXX,XXX → cash $XX,XXX → debt $XX,XXX

without maintaining a spreadsheet.

🥈 Monarch if you want more than net worth

I'd choose Monarch if you want net worth to be part of a broader financial system. It tracks bank accounts, investments, real estate, credit cards and loans, while also giving you budgeting, goals, cash-flow reporting and household collaboration. It supports web, iOS and Android.

The big advantage over Empower is that Monarch feels more like an all-in-one personal finance app, rather than primarily a financial dashboard.

🥉 Tiller if you're a spreadsheet person

Tiller automatically pulls account balances and transactions into Google Sheets or Excel, including a built-in net-worth tracker. It currently costs $99/year after a 30-day trial.

This is fantastic if you want to eventually build your own dashboard—e.g. net worth by month, investment returns, home equity, debt payoff, savings rate, etc.

Bottom line:

• Just want net worth → Empower
• Want to manage your entire financial life → Monarch
• Want maximum customization/control → Tiller

If you tell me roughly how many accounts you have (bank, 401k, IRA, brokerage, house, debt, etc.) and whether you want free or paid, I can tell you which one I'd personally pick for your situation.

The "best" tool for tracking your net worth depends entirely on whether you want a free, hands-off dashboard , a gorgeous paid app , or total manual control via a spreadsheet.

The top-rated choices are categorized below by what they do best:

• Empower (formerly Personal Capital) — Best Free Option.
  • Cost: Free
  • Why it's great: It is the gold standard for free, automated net worth and investment tracking. It links all your accounts (checking, savings, 401k, mortgage), breaks down your asset allocation, analyzes your investment fees, and has a built-in retirement planner.
  • The catch: Because it's a wealth management firm, their business model relies on upselling you on human financial advisory services, so expect occasional sales calls.
• Monarch Money — Best All-In-One / For Couples.
  • Cost: Paid (Free trial, then annual subscription)
  • Why it's great: It is widely considered the top overall modern personal finance dashboard. It handles clean net worth tracking alongside great budgeting, custom categories, Zillow home-value syncing, and unlimited collaborative household sharing (so you and a partner can track together at no extra cost).
• Copilot Money — Best Design / For Apple Users.
  • Cost: Paid subscription
  • Why it's great: If you use Mac, iPhone, or iPad, Copilot has arguably the slickest, most intuitive user interface on the market. It features lightning-fast machine learning auto-categorization and a clean net worth and investment breakdown.
  • The catch: It is strictly for the Apple ecosystem (no robust web or Android app parity).
• Tiller Money — Best for Spreadsheet Lovers.
  • Cost: Paid annual subscription (with a free trial)
  • Why it's great: If you secretly (or not-so-secretly) love Excel or Google Sheets, Tiller automatically feeds live, secure transaction and balance data from your financial institutions straight into fully customizable spreadsheet templates. You get 100% ownership and control of your data formulas without manual data entry.
• Kubera — Best for High Net Worth / Crypto & Alternative Assets.
  • Cost: Premium subscription
  • Why it's great: Built specifically for tracking complex portfolios across global currencies, crypto wallets, precious metals, vehicles, domains, and traditional accounts all in one clean ledger.

To help narrow down which one fits you best, tell me:

• Do you want something completely free or are you willing to pay for a subscription?
• Do you also want to track day-to-day budgeting and spending , or just the big-picture net worth?

If your main goal is “I want one place that shows everything I own minus everything I owe”, my top pick is Empower Personal Dashboard.

🥇 Best overall: Empower — free

It automatically pulls together bank accounts, investments, credit/debt accounts, and other financial information and gives you a running net-worth number and historical chart. Empower specifically offers its net-worth tracking for free.

Why I'd start here:

• Free
• Excellent for investment + retirement accounts
• Shows assets vs. liabilities
• Tracks net worth over time
• Retirement and investment-analysis tools included
• You don't need to use its paid financial-advisor service

🥈 Best paid option: Monarch Money

I'd choose Monarch if you want net worth + budgeting + spending + financial organization all in one polished app. It's generally regarded as one of the strongest Mint replacements, and users particularly like its net-worth history and visualization.

🥉 Best for complicated wealth: Kubera

Kubera is the one I'd consider if you have real estate, multiple investment accounts, crypto, private investments, foreign assets, businesses, etc. It is specifically designed to aggregate many different asset types. The tradeoff is that it's expensive—currently $250/year.

My quick recommendation

If you're just getting started, don't overthink it: use Empower. Link your checking/savings, credit cards, 401(k), IRA, brokerage accounts, and debts. Then make a habit of looking at your net worth once a month, rather than obsessing over daily fluctuations.

If you tell me roughly what accounts/assets you have (e.g. checking, 401(k), Roth IRA, house, car, student loans, credit cards), I can tell you which of these would fit you best.