Which app is best for tracking my entire net worth across all accounts?

If your main goal is “show me my total net worth across every account in one place”, I’d rank them like this:

My recommendation by situation

• You just want your net worth number, charts, and investment overview: use Empower. It’s hard to beat free.
• You want one “financial command center” for checking, credit cards, investments, bills, and a partner/spouse: use Monarch Money.
• You have a high net worth or unusual assets (rental properties, crypto, private equity, collectibles): use Kubera.
• You mainly want to build wealth and watch the line go up: Empower is probably enough.
• You want to change spending habits: pair a budgeting app like YNAB or Monarch with your net worth tracking.

A few things I’d check before committing:

• Does it connect to your brokerage(s), 401(k), IRA, HSA, mortgage, and crypto accounts?
• Can you manually add assets (home value, vehicles, private holdings)?
• Can you export your data?
• Are you comfortable with the security model of linking financial accounts?

For a typical U.S. household, my shortlist would be:

1. Empower (free) → start here
2. Monarch Money (paid) → upgrade if you want better budgeting and household features
3. Kubera → if your finances are more complex

FinCompare Lab The Money DecodedIf you tell me whether you’re on iPhone or Android, whether you have mostly investments vs. mostly bank accounts, and whether you want free or paid, I can narrow it to one pick.

The "best" app depends on whether you want a completely free tool , a modern collaborative dashboard, or a specialized tracker for complex assets (like crypto, real estate, or private equity).

The top options on the market are categorized below by what they do best:

- **The Cost:** Free (they make money by trying to upsell human financial advisors).
- **Best For:** Pure net worth and investment tracking without a subscription fee.
- **Why it's great:** Formerly known as Personal Capital, it offers stellar, clean portfolio allocation charts, retirement planning tools, and robust automatic account syncing for checking, savings, investment, and loan accounts.
- **Check it out:** Empower Personal Dashboard[](https://www.youtube.com/watch?v=z6tKBv-P2is) [[1]](https://www.youtube.com/watch?v=z6tKBv-P2is)[[2]](https://www.reddit.com/r/personalfinance/comments/1r10lbl/net_worth_tracking_recommendations/)[[3]](https://robberger.com/net-worth-calculators/)

- **The Cost:** Paid (Annual subscription, though offers a free trial).
- **Best For:** A gorgeous user interface, excellent cash flow/budgeting integration, and joint account sharing with a partner.
- **Why it's great:** Widely considered the gold standard replacement for Mint. It allows you to seamlessly map out custom asset categories, handles multi-institution syncing exceptionally well, and gives a very clean historical view of your net worth growth alongside your monthly spending.
- **Check it out:** Monarch Money[](https://robberger.com/net-worth-calculators/) [[1]](https://robberger.com/net-worth-calculators/)[[2]](https://www.reddit.com/r/FIREUK/comments/1trtdaa/what_apps_do_people_use_to_track_net_worth/)[[3]](https://www.reddit.com/r/personalfinance/comments/1r10lbl/net_worth_tracking_recommendations/)

- **The Cost:** Premium / Paid subscription.
- **Best For:** High-net-worth individuals, crypto investors, and people with diverse, non-traditional assets.
- **Why it's great:** Traditional apps choke on things like physical real estate valuations, crypto wallets, cars, or domain names. Kubera tracks traditional bank accounts via top-tier aggregators *plus* global currencies, crypto, and rare assets, even featuring a "dead man's switch" beneficiary feature.
- **Check it out:** Kubera[](https://robberger.com/net-worth-calculators/) [[1]](https://robberger.com/net-worth-calculators/)

- **The Cost:** Paid annual subscription (with a free trial).
- **Best For:** Complete data ownership and ultimate customization via Google Sheets or Microsoft Excel.
- **Why it's great:** If you don't trust an app's pre-built dashboard and want to write your own formulas, pivot tables, and custom net worth velocity trackers, Tiller securely feeds your daily live financial institution data straight into your own spreadsheet.
- **Check it out:** Tiller Money

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

• Do you want a free option or are you willing to pay a subscription?
• Do you care about daily budgeting and cash flow , or strictly net worth and investments?
• Do you have complex assets (like crypto, private business equity, or real estate) that need manual tracking?

The "best" app depends on whether you want a completely free dashboard, deep investment and retirement analytics, or a custom spreadsheet approach.

The top-rated net worth tracking apps categorized by their strengths include:

• Empower (formerly Personal Capital) — Best Free Overall Dashboard
  • Why it’s great: It is completely free to use and acts as the gold standard for tracking both assets and liabilities alongside robust investment portfolio analysis, fee analyzers, and retirement planning tools.
  • Check it out:
• Monarch Money — Best Modern Paid All-Rounder
  • Why it’s great: Widely considered a community favorite for post-Mint migration, it features a gorgeous, highly customizable net worth and cash flow dashboard, multi-institution syncing, and seamless household/partner sharing.
  • Check it out:
• Kubera — Best for Deep/Alternative Asset Tracking
  • Why it’s great: Designed explicitly for modern net worth tracking, it doesn't just sync standard bank accounts—it hooks into crypto wallets, Zillow for real estate values, VINs for vehicles, and domain names. It's a paid subscription, but unmatched for complex portfolios.
  • Check it out:
• Tiller Money — Best for Spreadsheet Lovers
  • Why it’s great: Automatically feeds all your financial institution data directly into Google Sheets or Microsoft Excel. If you love customizing your own formulas, charts, and historical net worth tracking, this is unmatched.
  • Check it out:
• Copilot Money — Best Apple-First UI Experience
  • Why it’s great: Highly polished, intuitive, and feature-rich app built for Mac, iPhone, and iPad users who want a sleek design with smooth automated account syncing and manual asset additions.
  • Check it out:

If you can share whether you prefer a free vs. paid app and whether you want to track crypto/real estate or just standard bank/investment accounts, I can narrow down the exact right fit for you.

If your main goal is “show me my entire net worth across every account in one place,” my pick is Empower.

My ranking for 2026

1. Empower — best overall for net worth tracking

• Free
• Connects checking, savings, credit cards, investments, 401(k)s, IRAs, mortgages, and loans.
• Gives you a consolidated net-worth number plus asset/liability breakdowns and investment analysis.
• Particularly good if you care more about wealth/investments than detailed budgeting.

empower.com 2. Monarch Money — best paid all-in-one

• Better if you want net worth + budgeting + cash flow + household finances in one polished app.
• Strong choice for couples/households and people replacing Mint.

monarchmoney.com 3. Kubera — best for complicated wealth

• I'd consider this if you have real estate, crypto, private investments, collectibles, businesses, or assets outside the U.S.
• It's much more of a dedicated balance-sheet/net-worth tracker than a budgeting app.

4. Quicken Simplifi — best budget-first alternative

• Good if you want net worth tracking alongside a strong spending/budgeting system.
• Currently starts around $3.99/month billed annually.

What I'd choose

Just want one number that reliably answers “How much am I worth?” → Empower.

Want to actively manage your household finances too → Monarch.

Have a high/complex net worth with lots of nontraditional assets → Kubera.

One caveat: no aggregator is truly “all accounts”—the deciding factor is whether it can reliably connect to your particular banks, brokerages, retirement providers, mortgage, crypto exchanges, etc. I'd check those institutions before committing.

If you tell me roughly how many accounts you have and where they are (e.g. Fidelity + Schwab + Chase + 401(k) + mortgage + crypto), I can tell you which of these is likely to give you the most complete picture.

If your goal is “show me my entire financial life in one place and tell me my net worth”, my pick is Empower Personal Dashboard.

My ranking

🥇 Empower — what I'd use

Empower lets you connect checking, savings, credit cards, IRAs, 401(k)s, brokerage accounts, mortgages, loans and other investments and combines them into a single balance sheet. It also provides investment analysis and a retirement planner.

The biggest advantage: it's free. Empower explicitly says its dashboard and financial tools cost nothing.

So if you primarily want:

Assets − liabilities = current net worth …and you want that number automatically updated as your accounts change, I'd start with Empower.

🥈 Monarch — if you want more than net worth

I'd choose Monarch instead if you want your net-worth tracker to also be your main household finance app—budgeting, spending, recurring bills, goals, investments, etc.

It's particularly attractive if you want to track finances jointly with a spouse/partner. Current comparisons put it around $100/year.

One important caveat

If by “entire net worth” you mean things beyond normal bank/investment accounts—e.g. home equity, private investments, crypto, collectibles, business interests, cars, etc.—I'd look harder at Kubera. That's where the answer changes.

My recommendation:

• Just want the best net-worth dashboard → Empower
• Want net worth + serious budgeting → Monarch
• Have a complicated/high-net-worth balance sheet → Kubera

If you tell me roughly which accounts you have (401(k), IRA, Schwab/Fidelity, bank accounts, mortgage, real estate, crypto, private investments, etc.), I can tell you which one will give you the most complete picture with the least manual work.

🥇 Empower — what I'd use

Empower lets you connect checking, savings, credit cards, IRAs, 401(k)s, brokerage accounts, mortgages, loans and other investments and combines them into a single balance sheet. It also provides investment analysis and a retirement planner.

The biggest advantage: it's free. Empower explicitly says its dashboard and financial tools cost nothing.

So if you primarily want:

Assets − liabilities = current net worth …and you want that number automatically updated as your accounts change, I'd start with Empower.

🥈 Monarch — if you want more than net worth

I'd choose Monarch instead if you want your net-worth tracker to also be your main household finance app—budgeting, spending, recurring bills, goals, investments, etc.

It's particularly attractive if you want to track finances jointly with a spouse/partner. Current comparisons put it around $100/year.

One important caveat

The best app for tracking your net worth depends on whether you want a free investment-focused tool or a comprehensive paid budgeting platform, with Empower and Monarch Money standing out as the top choices.

Top Net Worth Tracking Apps

Detailed App Breakdowns

• Empower : Formerly known as Personal Capital, this is the top free choice for tracking investments and net worth. It links all your accounts in one place, calculates your assets minus liabilities, and offers deep portfolio analytics and a retirement calculator. However, its day-to-day budgeting features are very limited.
• Monarch Money : This is the top all-in-one platform. It combines account aggregation, clean net worth dashboards, and robust budgeting. It is ideal if you want to track spending alongside your overall wealth and features shared access for couples.
• Kubera : This is a powerful option for advanced investors . It tracks non-traditional assets like crypto, domains, vehicles, and global real estate holdings. It has no free tier but offers unmatched asset scope.
• Tiller : This is best for spreadsheet fans . It automatically imports real-time financial data directly into customizable Google Sheets or Excel templates, giving you complete control over your data layout without manual entry.

If you share what type of assets you hold (like crypto or real estate ) or whether you want a free tool versus a paid app with budgeting , I can recommend the exact right platform for you.

If your main goal is “show me my entire net worth across every financial account in one place,” my top pick is Empower Personal Dashboard.

🥇 Best for pure net-worth tracking: Empower

• Free
• Connects checking, savings, credit cards, investments, 401(k)s, IRAs, mortgages, loans, and more.
• Gives you an overall assets − liabilities = net worth figure.
• Particularly strong for investment/retirement accounts, with portfolio analysis and retirement-planning tools.
• Available on web and mobile.
• If you primarily want to monitor wealth rather than meticulously budget every transaction, it's hard to beat at $0.

🥈 Best all-around: Monarch Money

I'd choose Monarch if you want your net worth tracker to also be a comprehensive household-finance app—budgeting, spending, goals, investments, recurring expenses, and net worth. Current comparisons generally put it among the strongest all-around choices.

🥉 Best if you're heavily invested in Apple: Copilot

Very polished and excellent for understanding spending and finances, but I'd pick it over Empower primarily if app experience/design matters more to you than deep investment tracking. It's also more limited by platform.

My recommendation: Start with Empower if you literally mean “I want one dashboard showing everything I own and owe.” It's free and specifically built around the complete financial picture.

If you tell me roughly how many accounts you have and what types (e.g. 3 banks + 401(k) + brokerage + mortgage + credit cards + crypto), I can tell you whether I'd pick Empower vs. Monarch for your particular setup.

The "best" app for tracking your entire net worth depends entirely on how complex your assets are and whether you want a free tool or a comprehensive paid platform.

The leading options on the market categorize cleanly by what they do best:

• Empower Personal Dashboard (Best Free Option) : Formerly known as Personal Capital, Empower is widely considered the gold standard for 100% free net worth and investment tracking. It securely links your checking, savings, credit cards, mortgages, loans, and brokerage accounts. Its standout feature is a robust investment analyzer that breaks down your portfolio allocation, fees, and retirement readiness. (Downside: They make money by trying to upsell you on human wealth-management advisory services).
• Monarch Money (Best All-In-One / For Couples) : Monarch has emerged as a top modern alternative to the defunct Mint. It is a paid subscription app, but it features a gorgeous, highly customizable dashboard that seamlessly tracks net worth, cash flow, and budgeting. You can also safely invite a partner or spouse to collaborate on the same account at no extra cost.
• Kubera (Best for High-Net-Worth / Alternative Assets) : If your net worth includes things standard apps can't sync—like physical real estate valuations via Zillow, crypto wallets, private equity, cars via VIN, or precious metals—Kubera is built specifically for this. It is a premium, high-end tool with global multi-currency support. (Downside: It carries a hefty annual subscription price).
• Tiller Money (Best for Spreadsheet Nerds) : If you prefer the infinite customization of a spreadsheet over a rigid app interface, Tiller automatically feeds daily balances from all your financial accounts directly into Google Sheets or Microsoft Excel using dedicated templates, including robust net worth and balance sheet layouts.
• Copilot Money (Best iOS / Mac Experience) : If you are deeply embedded in the Apple ecosystem, Copilot Money offers one of the slickest, most intuitive user interfaces available for tracking real-time cash flow, spending, and investment performance.

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

• Do you want a completely free tool or are you willing to pay for a subscription?
• Do you need to track alternative assets (like crypto, physical property, or private equity) alongside standard bank accounts?

If your main goal is “connect every account and see my true net worth in one place,” I’d rank them:

1. Monarch Money — Best overall

   • Connects bank accounts, credit cards, investments, loans, and even real estate.
   • Strong net-worth history and clean dashboard.
   • Can pull investment holdings and performance, while allowing manual assets when needed.
   • Best if: you want a polished “financial command center,” not just a net-worth number.

2. Empower Personal Dashboard — Best free option

   • Free.
   • Aggregates your accounts and provides a dedicated net-worth view.
   • Particularly good if investments are a major part of your wealth.
   • Best if: you primarily want net worth + investment tracking without paying.

3. Kubera — Best for complicated/high net worth

   • Designed specifically around total net worth rather than budgeting.
   • Handles banks, brokerages, crypto, real estate, private equity, art, and other alternative assets.
   • Best if: you have lots of assets that don't fit neatly into normal bank/brokerage accounts.

My pick

I'd choose Monarch Money for most people. It strikes the best balance between account aggregation, net-worth tracking, investments, real estate, and usability. Current 2026 comparisons also consistently put Monarch among the strongest net-worth trackers.

But if you only care about net worth and investments, I'd start with Empower because it's free.

If you tell me roughly what accounts you have (e.g. Fidelity 401(k), Schwab brokerage, Chase checking, mortgage, house, crypto, car, etc.), I can tell you which one is likely to sync all of them reliably and compare Monarch vs. Empower vs. Kubera specifically for your situation.

The "best" app for tracking your net worth depends entirely on whether you want a completely free tool, an all-in-one budgeting ecosystem, or support for complex, global, or high-value assets.

The top-rated net worth trackers available are categorized below by what they do best:

• Empower Personal Dashboard — Best Free Overall Tracker
  • Cost: Free
  • Best for: People who want robust investment analysis and net worth tracking without paying a monthly subscription.
  • Why it stands out: Formerly known as Personal Capital, Empower offers a stellar, 100% free net worth dashboard. It auto-links checking, savings, credit cards, mortgages, loans, and retirement portfolios. It also includes powerful portfolio-fee analyzers and retirement-planning tools. (Note: They make money by trying to upsell you on human financial advisory services, but you can ignore the pitches completely).
• Monarch Money — Best All-In-One Modern Dashboard
  • Cost: Paid subscription (free trial available)
  • Best for: Households and individuals who want gorgeous UI, flexible budgeting, and multi-user/partner collaboration alongside net worth tracking.
  • Why it stands out: Since the demise of Mint, Monarch Money has emerged as a gold standard for a clean, highly customizable experience. It features exceptionally reliable account syncing via multiple data aggregators, clean asset/liability categorization, cash flow analysis, and historical net worth charting.
• Kubera — Best for High Net Worth & Global/Alternative Assets
  • Cost: Paid annual subscription (~$249/year)
  • Best for: High-net-worth individuals, crypto investors, expats, or people with complex real estate and multi-entity portfolios.
  • Why it stands out: Kubera goes far beyond standard bank accounts. It tracks physical assets via integrations like Zillow (for real estate), vehicles via VIN numbers, global bank accounts in multiple currencies, and direct crypto wallets/holdings. It acts like an institutional balance sheet for personal wealth.
• Tiller Money — Best Spreadsheet Hybrid
  • Cost: Paid annual subscription (free trial available)
  • Best for: Tinkerers who love the infinite customization of Excel or Google Sheets but hate manually updating account balances.
  • Why it stands out: Tiller Money automatically feeds live, daily financial data from all your connected accounts straight into your own private Google Sheet or Excel workbook. You have total ownership of your data and can build custom formulas or net worth trackers that will never disappear if an app goes out of business.
• Quicken Simplifi — Best Budgeting & Savings Hybrid
  • Cost: Paid subscription
  • Best for: Users who want tight day-to-day spending controls paired with clean investment and net worth milestones.
  • Why it stands out: Frequently winning top personal finance accolades, Quicken Simplifi is fast, affordable, and keeps a sharp eye on how monthly cash flow directly impacts your long-term wealth trajectory.

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?
• Do you need day-to-day budgeting or just a high-level snapshot of assets and liabilities?
• Do you hold alternative assets like crypto, foreign accounts, or real estate?