Before the list, one distinction worth holding onto: a crypto portfolio tracker shows only your on-chain and exchange holdings, while a crypto net worth tracker folds those into your total alongside banks, brokerages, and property. Some of the tools below do one, some do both. And all of them should read your wallets keylessly — by public address, never a seed phrase. If that idea is new, our explainer on keyless crypto tracking covers why it matters.
| Cost | Chain coverage | Keyless wallets | Tracks TradFi too | |
|---|---|---|---|---|
| Kubera | $250/yr | 15+ chains · DeFi · NFTs | Yes + API keys | Yes · full balance sheet |
| CoinStats | Free · ~$146/yr | 120+ chains · 200+ exchanges | Yes + API keys | No · crypto only |
| Zerion | Free · ~$99/yr | 50+ EVM + Solana + TRON | Yes · watch-only | No · crypto only |
| Delta | Free · from ~$54/yr | 300+ exchanges + wallets | Yes + API keys | Partial · stocks, not banks |
| Ascend | Free · $99/yr | 11 networks · DeFi + long-tail | Yes · address only | Yes · banks, brokerages, 401(k), real estate |
How to choose a crypto net worth tracker
Most tools in this category grew out of trading dashboards, so they optimize for coins and treat the rest of your balance sheet as an afterthought. Before you pick one, decide how much of your financial life you actually want in view, then weigh these:
- Keyless, watch-only reading. Adding a public wallet address should be enough to see balances. If a tracker asks for a seed phrase or private key, walk away; read-only access cannot move funds, and nothing about displaying a total requires more.
- Chain and DeFi coverage. Check the specific networks you use, not the headline count. A tool that reads Ethereum and Bitcoin but skips your L2s, Solana positions, or staked and lent balances will quietly understate your total.
- Traditional accounts too. Crypto-only tools like CoinStats and Zerion leave you reconciling wallets against a separate brokerage and bank picture. If you want one number, you need something that also reads equities, cash, retirement, and real estate.
- Custody and security. Public addresses are already public, but confirm the data is encrypted at rest, that you can export everything, and that deleting your account genuinely removes your data.
- Cost against what you will use. Kubera's $250/yr buys deep crypto plus exchange keys and estate handoff; Zerion's core is free for watch-only. Match the tier to the features you will open weekly, not the longest feature list.
Kubera $250/yr · no free tier
Kubera is the premium option that does everything. On the crypto side it connects wallets by public address and exchanges by API key across 15+ chains, auto-tracks DeFi positions (Aave, Compound), and pulls NFTs from OpenSea. On the traditional side it covers banks, brokerages, real estate (by address), vehicles (by VIN), and alternative assets in 100+ currencies — plus an estate-planning handoff. It is the most complete balance sheet available.
Best for: high-net-worth investors who want crypto and everything else in one premium view and will pay $250/year for maximum breadth. Not for: anyone with a simpler portfolio who'd feel the price; there's no free tier.
CoinStats Free · Premium ~$146/yr
CoinStats is the crypto-native heavyweight. It reads wallets keylessly by public address and connects exchanges via read-only API keys, with coverage most tools can't match — 120+ blockchains, 200+ exchanges, and DeFi positions resolved across thousands of protocols, plus NFT display. The free Basic tier is capped (a handful of connections); Premium lifts the limits. The important limitation: it's crypto-only, with no stocks, banks, or real estate.
Best for: active crypto users who want the deepest chain and DeFi coverage in a dedicated tracker. Not for: anyone who wants crypto folded into a full net-worth number — it can't see your traditional accounts.
Zerion Free core · Premium ~$99/yr
Zerion is the DeFi-native pick. It's a self-custody wallet and tracker in one, and its watch-only mode lets you paste any public address to see holdings, DeFi positions, NFTs, and history across 50+ EVM chains plus Solana and TRON — all free. Premium mainly adds multichain profit-and-loss and cuts in-app swap fees. It's excellent for on-chain natives, though Bitcoin support isn't a given and, like CoinStats, it doesn't touch traditional finance.
Best for: EVM and DeFi power users who want a free, on-chain-first tracker with real position depth. Not for: Bitcoin-heavy holders or anyone wanting a full net worth beyond crypto.
Delta Free · PRO from ~$54/yr
Delta (owned by eToro) is the multi-asset mobile tracker. It reads crypto from 300+ exchanges and wallets by address, and it also tracks stocks, ETFs, and forex, so you can see markets side by side on your phone. The free Basic tier caps how many assets you can track; PRO and PRO+ raise or remove the limit. It's a good portfolio tracker, but it connects brokers and exchanges — not your bank accounts or real estate — so it's a partial net-worth view.
Best for: mobile-first investors who hold crypto and stocks and want them in one app. Not for: people who want cash, banking, and property in the total too.
Ascend Free · Pro $99/yr
Ascend is the pick when crypto is part of your net worth, not all of it. It reads on-chain holdings keylessly — public wallet address only, no seed phrase — across 11 networks including Bitcoin, Ethereum and its major layer-2s, and Solana, discovering long-tail tokens and flagging DeFi positions where supported. What sets it apart from the crypto-only tools is the other half: it also connects brokerages (SnapTrade), banks and 401(k)s (Plaid), and values real estate with the official FHFA House Price Index, so your crypto sits in the same private total as everything else.
It won't match CoinStats or Zerion on raw chain count or the most exotic DeFi protocols — that's the trade-off for being a whole-net-worth tool rather than a crypto-only one. But for the common case — a brokerage, a 401(k), some cash, a home, and crypto across a few chains — it's the one tool that shows the real number without a seed phrase and without a budgeting workflow. The free tier includes your full net worth and a net-worth percentile; Pro ($99/year) adds automatic brokerage sync and deeper analysis. If you're consolidating a crypto tracker and a broker app and a bank app, see the crypto-focused breakdown in Mint alternatives for crypto.
Bottom line: for the deepest crypto-only coverage, CoinStats or Zerion. For a premium everything-tracker, Kubera. For crypto plus stocks on mobile, Delta. And if you want crypto folded into one private net-worth number alongside your banks, brokerages, and home — keylessly, with no budgeting — Ascend is built for exactly that. See where it sits against the traditional-account trackers in the full net worth tracker comparison.
Portfolio tracker vs net worth tracker
The two labels get used interchangeably, but they answer different questions. A portfolio tracker is built to watch holdings move: price changes, allocation drift, cost basis, return versus a benchmark. Most crypto-native apps live here, and Delta and CoinStats do this part well. A net worth tracker asks a wider question, which is what you are worth once every asset and liability is counted, wallets included. That means folding in bank balances, retirement accounts, and often a house, then trending the total over time. You can care about both, and many people do, but the distinction decides which tool fits. If you trade actively and think in tokens, a portfolio tracker is enough. If crypto is one slice of a larger picture and you want the whole balance sheet in one place, a net worth tracker is the right frame. Ascend is built for the second.
Common questions
What is the best crypto net worth tracker?
It depends on whether crypto is your whole picture or one part of it. For deep crypto coverage on its own, CoinStats and Zerion are strong watch-only choices, and Kubera goes furthest if you also want exchange API keys, NFTs, and estate handoff. If you want your wallets counted alongside brokerages, banks, and real estate in a single figure, that is the gap we built Ascend to fill.
Can I track crypto and stocks in one app?
Yes, though fewer tools do it than you would expect. Crypto-only apps like Zerion and CoinStats do not read equities, and Delta covers crypto and stocks but not banks. Kubera and Ascend both bring wallets and brokerage accounts into one view; Ascend also reads banks, 401(k)s, and real estate, and has a free tier to start.
Do crypto trackers need my private keys?
A good one never should. Reading balances only requires your public wallet address, which reveals holdings but cannot authorize a transaction. Ascend reads on-chain crypto across 11 networks by public address only, with no seed phrase, private key, or exchange login. Be cautious with any tracker that asks for more than an address just to display a balance.
Sources, verified July 2026: Kubera ($250/yr), CoinStats (free + Premium), Zerion (free + ~$99/yr Premium), and Delta (free + PRO). Chain counts and DeFi coverage per each provider's documentation. Prices change — confirm before purchasing.