Net worth is the single number that summarizes whether your finances are moving in the right direction. Income, savings rate, debt payoff, investment growth — they all roll up into one number, and the trend of that number over months and years tells you more than any individual transaction does.
Tracking it manually in a spreadsheet works, sort of. Tracking it in an app that updates automatically as your bank balances and brokerage values change is meaningfully better — and the app category is now mature enough that you don't have to compromise.
We tested the seven net-worth tracker apps people most often ask about. The two that stand out: Monarch Money as the best paid option (full all-in-one, including net worth) and Empower Personal Dashboard as the best free option for net-worth-focused users.
What a net worth tracker actually does
The real job of a net worth tracker:
- Aggregate every asset (checking, savings, brokerage, retirement, real estate, crypto, alternative assets)
- Aggregate every liability (credit cards, mortgage, student loans, auto loans)
- Calculate the difference in real time as balances change
- Show the trend over time (monthly, yearly, decade)
- Break down by asset class (cash, equities, retirement, real estate, etc.)
Most apps do steps 1-3 well. Steps 4-5 are where the differentiation lives. The best apps let you see not just what your net worth is today, but how it's changed and where the changes are coming from.
Quick comparison
| App | Free? | Net worth focus | Real estate | Crypto | Alt assets |
|---|---|---|---|---|---|
| Monarch Money | 7-day trial | Strong | Yes | Yes | Manual |
| Empower Personal Dashboard | Free | Strongest | Yes | Yes | Manual |
| Kubera | Paid only | Wealth-focused | Yes | Yes | Strong |
| Tiller Money | Paid only | Spreadsheet-based | Manual | Manual | Manual |
| Rocket Money | Free + paid | Light | No | No | No |
| Copilot Money | Paid only (iOS) | Medium | Manual | Yes | Manual |
| YNAB | Paid only | Light (budget-first) | Manual | Manual | Manual |
#1 — Monarch Money: Best all-in-one net worth + budget tracker
Pricing: $14.99/month or $99.99/year ($8.33/month). 7-day free trial. Use code SMARTMONEY for 50% off the first year ($49.99).
Monarch is the strongest option for users who want net worth tracking integrated with budgeting, goals, and partner collaboration in one app. The net-worth view shows total assets minus liabilities, with historical trending and asset-class breakdown.
What you get: - 13,000+ institution connections (banks, brokerages, retirement, mortgage providers, crypto wallets) - Net worth visualized over time with trend graphs - Asset class breakdown (cash, investments, real estate, retirement) - Manual asset support (vehicles, collectibles, private investments) — enter and update yourself - Custom reports including the Sankey diagram (river-of-money chart) - AI Assistant for natural-language questions about your wealth - Partner collaboration with separate logins (track household net worth jointly) - Goal-setting against net worth milestones ("hit $500K net worth by 35")
Where Monarch's net worth view shines: It's not isolated. Net worth changes are explained by the budgeting and goals layer. You can see "net worth went up $4,200 this month — $2,800 from investment gains, $1,000 from debt paydown, $400 from savings."
Where Monarch is less specialized than Kubera: If you have substantial alternative assets (private equity, art, collectibles, multiple real estate properties) that need detailed tracking with depreciation schedules, Kubera is more purpose-built. For most people with mainstream assets (mostly stocks, bonds, real estate, crypto), Monarch covers it well.
Test it free. Connect 5 accounts, see your true net worth in 5 minutes.
#2 — Empower Personal Dashboard: Best free net worth tracker
Pricing: Free. Empower offers paid wealth management as a separate product.
Empower is one of the most-recommended free net-worth trackers, with a long track record — it's been refined over a decade (originally as Personal Capital, rebranded to Empower in February 2023). The dashboard's core focus is net worth, investments, and retirement projection.
What you get free: - Comprehensive account aggregation (banking, credit, brokerage, retirement, mortgage) - Net worth chart with monthly trending going back to account creation - Asset class allocation breakdown - Investment performance and fee analysis - Retirement Planner (project whether you'll hit your retirement goals) - 401(k) Fee Analyzer (find hidden costs in your retirement plan)
The catch: Empower's free dashboard is a lead-generation tool for their paid wealth-management service. Users with $100K+ in connected investable assets typically get phone outreach from a Wealth Advisor offering managed portfolios. You can decline politely and continue using the dashboard free.
Where Empower is strongest vs Monarch: Pure net-worth and investment focus. The fee analyzer alone has saved many users 0.5-1.5% annually in expense ratios — meaningful over decades.
Where Empower is weaker: Budgeting and partner collaboration are secondary. If you want the budget side, you'll layer on another app.
Free, takes 5 minutes. Decline the wealth-advisor calls if they come.
#3 — Kubera: Best for high-net-worth tracking with alternative assets
Pricing: Around $199/year. No free trial; risk-free trial via short refund window.
Kubera is built for users with non-trivial alternative-asset portfolios. Where Monarch and Empower handle mainstream assets well, Kubera shines on the long tail: private equity, real estate (multiple properties), domain names, art, collectibles, vehicles, vintage instruments — anything that doesn't fit a standard brokerage account.
Pick Kubera if: Your net worth includes meaningful illiquid or unusual assets and you want detailed tracking, depreciation, and exit-planning tools.
Pick Monarch / Empower if: Your net worth is mostly mainstream (stocks, bonds, real estate, retirement, crypto) and you want net-worth tracking integrated with budgeting (Monarch) or with deeper investment analysis (Empower).
#4 — Tiller Money: Best for spreadsheet enthusiasts
Pricing: Around $79/year. 30-day free trial.
Tiller Money is a spreadsheet-based personal finance tool — your transaction and account data lands in Google Sheets or Excel, and you build custom dashboards in the spreadsheet itself.
Pick Tiller if: You're a spreadsheet expert and you want maximum flexibility to build exactly the dashboard you want.
Pick Monarch / Empower if: You want a polished pre-built dashboard without spreadsheet maintenance.
#5 — Rocket Money: Light net worth, strong subscription radar
Pricing: Free + Premium ($7-$14/month sliding scale).
Rocket Money does have net-worth tracking, but it's a secondary feature behind subscription detection and budgeting. Useful as a free supplementary tracker, not strong enough to be your primary net-worth tool.
Best use: Pair Rocket Money's free tier (subscription auditing) with Monarch or Empower (primary net-worth tracker).
#6 — Copilot Money: Polished iOS, medium net-worth tracking
Pricing: $13/month or $95/year. iOS-only. 30-day free trial.
Copilot's net-worth view is good. The catch is iOS-only — you and your partner both need iPhones to use it as a household tool.
#7 — YNAB: Light net worth (budget-first)
Pricing: $14.99/month or $109/year.
YNAB's net-worth feature exists but is intentionally not the focus. YNAB is a budgeting tool first; net worth is a side feature.
Pick YNAB if: Your priority is the zero-based budgeting methodology and net-worth tracking is a nice-to-have. Pick Monarch / Empower otherwise.
#8 — PocketSmith: Best for long-range cash flow forecasting
Pricing: Free tier + Foundation $9.95/mo + Flourish $19.95/mo + Brilliant $39.95/mo.
PocketSmith's signature feature is 30-year cash flow forecasting — a feature no other app on this list offers at this depth. You can model what your net worth looks like in 5, 10, 30 years based on current trajectory, and stress-test scenarios (job loss, mortgage change, retirement timing).
Where PocketSmith wins: Long-range projection. International coverage (works for UK, Australia, Canada, NZ users where Monarch and Empower are weaker). Multi-currency support.
Where PocketSmith is weaker than Monarch: Newer brand, less mature partner-collaboration features, lighter AI. The forecasting model is the differentiator; the rest of the app is solid but not best-in-class.
Best fit: Users planning major financial moves over a decade-plus horizon, or international users where Monarch's US/Canada focus doesn't fit.
#9 — Quicken Simplifi: Best smartphone-first net worth + budget combo
Pricing: $5.99/month, varies by promotion. 30-day free trial.
Simplifi (from Quicken) packages budgeting + net worth tracking + savings goals into a single app at the cheapest serious paid price point. Net-worth tracking is included on every tier; investments are tracked but not analyzed deeply.
Where Simplifi wins: Lowest paid price. 30-year-old Quicken brand with reliable bank syncing.
Where Simplifi is weaker than Monarch: Couples collaboration depth, AI Assistant, custom Sankey reports, deeper investment analysis.
Best fit: Budget-conscious users who want net worth + budget combined and don't need Monarch's depth.
Net worth by age: am I on track?
A common question that motivates net worth tracking: how does my number compare? Per Federal Reserve Survey of Consumer Finances data, the median net worth by age in the US is roughly:
| Age | Median net worth | 75th percentile |
|---|---|---|
| Under 35 | ~$39K | ~$130K |
| 35-44 | ~$135K | ~$420K |
| 45-54 | ~$247K | ~$700K |
| 55-64 | ~$365K | ~$950K |
| 65-74 | ~$410K | ~$1.1M |
| 75+ | ~$335K | ~$880K |
A few caveats: - These are population medians, not "good" or "bad" numbers. Your trajectory matters more than your snapshot. - Median is heavily skewed by home equity. Renters at any age will trend below. - High-income / high-savings households should target the 75th percentile or above for their age band. - Your savings rate is a better forward predictor than your net worth today.
Use these as benchmarks, not goals. A 30-year-old at $20K net worth with a 25% savings rate will outperform a 30-year-old at $80K net worth with a 5% savings rate over the next 20 years. Trajectory > snapshot.
Use code SMARTMONEY for 50% off your first year — $49.99 instead of $99.99.
How net worth tracking changes over time
Tracking net worth monthly tells a story most people miss when they only look at single accounts:
Year 1: Volatility dominates. Investment gains/losses can swing 5-10% on the chart. Don't react.
Years 2-3: The trend starts to emerge. You can see whether your savings rate and investment growth are pulling net worth up reliably.
Years 4-5: Compound growth becomes visible. The gap between paychecks and investments closes; investment growth starts contributing meaningfully to monthly increases.
Years 5-10: The number that matters is the trend slope, not absolute level. A consistent $1,000-$5,000/month increase compounds into millions over decades.
The apps with the best long-term trend visualization are Monarch and Empower. Both keep history indefinitely once you're connected — you'll be glad in 2031 that you started in 2026.
What to do with net worth data
Tracking is necessary but not sufficient. Here's what to actually do once you have the data:
1. Set a target trajectory. "Net worth up $3,000/month average" is a meaningful goal. Hit it 9 months out of 12 and you're winning.
2. Watch the asset allocation drift. Cash percentage too high? You're missing growth. Equity percentage too high? Volatility risk if life changes.
3. Watch the fees. Empower's fee analyzer is brutal here — many users discover they're paying 1%+ in 401(k) expense ratios that are eating compound growth.
4. Use it to anchor decisions. "Can we afford this house?" — answered by net-worth math, not by gut.
5. Project to retirement. Empower's retirement projection uses Monte Carlo simulation to show your probability of hitting retirement goals. Worth running annually.
Use code SMARTMONEY for 50% off your first year — $49.99 instead of $99.99.
Frequently asked questions
How accurate is net worth in these apps?
Highly accurate for connected accounts (synced via Plaid or similar aggregators). Manual assets (real estate, vehicles, collectibles) require you to update value periodically. Investment values fluctuate with markets; expect ±1-2% variance from real-time market moves.
Do these apps include real estate value?
Monarch and Empower support real estate as a tracked asset, with manual or Zillow-linked value updates depending on the app. Kubera has the most sophisticated real estate tracking. None of them are appraisal services — values are estimates.
Can I track multiple homes / rental properties?
Monarch Plus ($299/year for new members) is specifically designed for users with rental properties — it adds business/rental income tracking integrated with personal finances. Kubera handles multiple properties at any tier.
Does net worth tracking affect my credit?
No. Connecting accounts via Plaid or similar aggregators is read-only and uses no credit pull. Some apps offer credit score monitoring as a feature (also read-only, no pull).
How private is my data?
Monarch's stated policy: no ads, no selling data to third parties. Empower's free dashboard is funded by their paid wealth-management service (which means user data feeds into outreach for that service, but is not sold to outside parties). Always read the privacy policy at signup.
Can my partner / advisor see my net worth?
In Monarch, yes — both partners get separate logins to the same dashboard at no extra cost, and you can grant a financial or tax advisor read-only access. Empower is single-user-first; you can share a login but it's less elegant.
What if my employer provides Empower for my 401(k)?
Empower (the company) operates two product lines: the free Personal Dashboard (covered here) and Empower Retirement (employer-sponsored 401(k) plans). Both are the same company. If your employer's plan is on Empower, you can connect it to the Personal Dashboard for net-worth visibility.
Should I track net worth daily, weekly, or monthly?
Monthly. Daily is too noisy (markets move). Weekly is fine but unnecessary. Monthly gives you a stable trend without checking too often. Most successful users do net-worth check-ins on the first weekend of each month.
What about including liabilities like mortgage and student loans?
Both should be included. Net worth is assets minus liabilities. Most apps auto-pull mortgage balance from the lender (if connected) and update it as you pay down. Student loans similarly.
Does net worth matter more than income?
Long-term, yes. Income funds the early years; net worth funds the later years. A high-income earner with no net worth is one job loss from financial stress. A modest-income household with significant net worth has options. The whole point of tracking is to push the trend the right direction over decades.
The bottom line
For most users tracking net worth in 2026, two apps cover the category:
-
For paid users who want net-worth + budget + everything else in one app: Monarch Money. Use code
SMARTMONEYfor 50% off the first year ($49.99). -
For free users focused on net worth + investments: Empower Personal Dashboard. Free permanently, with optional wealth-advisor calls you can decline.
For specialty cases — heavy alternative assets — Kubera. For spreadsheet purists — Tiller. For everyone else, the choice between Monarch (paid, all-in-one) and Empower (free, investment-focused) is the real decision.
Pick one, connect your accounts, watch the number for a year. The story it tells you about your financial life is more useful than any single article you'll read about money.
Start tracking your net worth today.
Related reading: - Best All-in-One Personal Finance App - Best Mint Alternatives in 2026 - Best Budgeting Apps for Couples in 2026 - Is Empower Worth It? Honest Review