How to read this list: the best net-worth tracker for you depends on what you hold. Mostly stocks and funds? Empower is free and hard to beat. A large, complex, multi-asset estate? Kubera. Crypto plus traditional accounts, no budgeting? Ascend. The budgeting-first apps are here too — because people compare them — but we're honest about the overhead they add.
What to look for in a net-worth tracker
Most of these tools can show you a single number. The differences are in how honestly they arrive at it, how much of your financial life they can actually see, and what they do with your data afterward. A few things worth checking before you commit:
- Account and asset coverage. A real net worth includes brokerages, banks, retirement accounts, crypto, and property. If a tool covers three of those and asks you to type in the rest by hand, the number will quietly drift out of date.
- Read-only connections. A tracker should be able to see your balances without being able to move money. Look for read-only aggregation rather than tools that ask for trading permissions they don't need.
- Keyless crypto by address. For on-chain holdings, connecting by public wallet address means the tool never touches your seed phrase, private keys, or an exchange login. That is a meaningfully smaller thing to trust.
- Manual entry and overrides. Not everything connects. You want to add an account by hand, and correct an estimate, such as a home value, the moment you have better information.
- Clear privacy, export, and deletion. Read the policy. Can you export everything, and does deleting your account actually purge your data?
- Freshness. A number that is weeks stale is worse than no number, because you'll trust it anyway.
1. Empower Personal Dashboard Free
What it does. Empower (formerly Personal Capital) is the strongest free net-worth-and-investing dashboard. It tracks your full net worth and adds premium-grade investment tools at no cost: a retirement planner with Monte Carlo simulations, a fee analyzer that surfaces the long-term drag of expense ratios, and an allocation checkup. It's free because Empower hopes a fraction of users hire its paid advisory service.
Who it's for: US investors whose net worth is mostly stocks, funds, and retirement accounts and who want serious portfolio analytics for free.
Who it isn't for: crypto holders — it's manual entry only, no wallet or exchange sync. Expect an advisory sales call, and note it's US-only.
2. Kubera $250/yr · no free tier
What it does. Kubera is the premium balance sheet with the widest asset coverage anywhere: banks and brokerages, crypto wallets (by address) and exchanges (by API key), DeFi and NFTs, precious metals, private equity, and other alternative assets, all in 100+ currencies. It values homes by address and vehicles by VIN, and includes an estate-planning handoff that transfers access to a beneficiary after a period of inactivity.
Who it's for: high-net-worth and fatFIRE investors with complex, global, multi-asset portfolios who want maximum breadth and will pay for it.
Who it isn't for: anyone with a straightforward mix who'd feel the $250/year. There's no free tier — just a short trial — and no retirement projection or budgeting.
3. Monarch Money $99.99/yr · budgeting-first
What it does. Monarch is the polished, ad-free Mint replacement built around budgeting, with excellent real-time sharing for couples. It tracks net worth well and connects through multiple aggregators — but budgeting is the entire product, so if you don't want spending categories, you're paying for a workflow you'll leave switched off. Its crypto is Coinbase-only in real time; everything else is manual.
Who it's for: people who do want hands-on budgeting — especially couples — and whose money is mostly traditional accounts.
Who it isn't for: anyone here for the net-worth screen alone, or with meaningful crypto. For the full breakdown, read our Monarch Money review.
4. Copilot Money $95/yr · Apple-first
What it does. Copilot is the best-looking app in the category, with AI categorization and a genuinely delightful interface on Apple devices. It shows a net-worth view alongside banks, cards, investments, crypto, and real estate — but, like Monarch, it's a budgeting app at heart, so the spending features are the center of gravity.
Who it's for: solo users in the Apple ecosystem who want a beautiful tool and don't mind that budgeting is the main event.
Who it isn't for: Android users (there's no native app), and crypto holders beyond Bitcoin and Ethereum — no Solana, layer-2s, or DeFi. Paid-only after a 30-day trial.
5. PocketSmith Free · paid from ~$120/yr
What it does. PocketSmith's specialty is calendar-based cash-flow forecasting — it projects your balances forward for years and lets you model what-if scenarios, which makes it a favorite for planning-minded people who also want net-worth tracking. It has a real free tier (manual imports, limited accounts) and paid tiers that add automatic bank feeds and longer projections.
Who it's for: people who want to see where their net worth is heading, not just where it is, and who value forecasting and scenario planning.
Who it isn't for: crypto holders (no native sync — manual multi-currency only), and anyone who wants a zero-maintenance tool; the forecasting power comes with setup.
6. A spreadsheet (Tiller or a template) Free–$79/yr
What it does. A spreadsheet is the control option. Build a net-worth tab by hand for free, or use Tiller ($79/year) to feed bank and card balances into Google Sheets or Excel daily, with prebuilt net-worth templates on top. You own the file and can shape it exactly how you think.
Who it's for: people who want full control and customization and don't mind maintenance.
Who it isn't for: anyone who wants it to just work. Prices, wallets, transfers, and manual updates make sheets fragile over time, and crypto stays manual even with Tiller.
7. Ascend Free · Pro $99/yr
What it does. Ascend is the pick for the person in the middle: crypto and traditional accounts, no budgeting. Pro automatically syncs eligible investment and retirement accounts across SnapTrade-supported banks, brokerages, retirement providers, and exchanges, with manual fallback for anything unsupported. It brings those balances together with real estate (valued with the official FHFA House Price Index) and keyless on-chain crypto across 11 networks — Bitcoin, Ethereum and its major layer-2s, Solana, and more — read by public wallet address only. No seed phrase, no exchange login, and supported connections are read-only.
What it deliberately doesn't do is budget. There's no transaction categorization and nothing to clean up — the total number is the product. The free tier covers your full net worth, a net-worth percentile, and a basic retirement projection; you can see exactly what's included on the free net worth tracker page. Pro ($99/year) adds automatic sync for eligible financial accounts, true time-weighted return versus the market, a stock watchlist, and deeper planning — not a budgeting layer. Your data is never sold, there are no ad or tracking pixels, and export and deletion are built in.
Who it's for: people whose net worth spans on-chain crypto and normal accounts, who want one clean, private, trustworthy total without paying a premium or wading through budgeting.
Who it isn't for: people who want envelope budgeting or bill pay. It's an installable web app with no native mobile app yet.
Net worth vs budgeting: why the distinction matters
A budgeting app answers a different question than a net-worth tracker, and trying to make one tool do both usually means it does neither well. Budgeting is about the flow of money week to week: categorizing transactions, watching cash flow, deciding what to spend next. It rewards daily attention. Net worth is about the stock, not the flow, the total of what you own minus what you owe, and it moves on a longer clock driven by markets, contributions, and asset values rather than yesterday's coffee. The two jobs pull a product in opposite directions. A budgeting tool wants every transaction in front of you; a net-worth tool wants the noise stripped out so the trajectory is visible. We built Ascend for the second job. If you need envelope budgeting or spending categorization, we're honest that a dedicated budgeting app will serve you better.
Common questions
What is the best net worth tracker?
There's no single winner, because the right tracker depends on what you hold. If your money is mostly stocks and funds, Empower's free dashboard is hard to beat. If you have a large, multi-asset estate, Kubera's breadth justifies its price. If your net worth spans crypto and traditional accounts and you don't want a budgeting workflow, that's the gap Ascend was built for. Match the tool to your portfolio rather than chasing a universal "best."
Is there a net worth tracker without budgeting?
Yes. Empower is a net-worth-and-investing dashboard rather than a budgeting app, and Ascend is deliberately net-worth-only — no transaction categories, no cash-flow forecasting, nothing to clean up. Kubera is budgeting-free as well. The budgeting-first tools (Monarch, Copilot) can show net worth, but you're paying for a spending workflow you may never use.
Do I need to connect my bank to track net worth?
No. Every tracker here supports manual accounts, so you can enter balances by hand and sync only what you're comfortable with. The trade-off is freshness — a manual number is only as current as the last time you updated it. Automatic, read-only syncing earns its keep on the accounts that move on their own: brokerages, retirement plans, and crypto. A common middle path is to sync the volatile accounts, enter the stable ones manually, and let the tool value your home.
How we picked
We ranked these for one job — the net-worth number — rather than blending in budgeting, planning, and trading into a single score. That's why a free tool (Empower) and a $250/year one (Kubera) both make the list: they're the right answer for different portfolios. The budgeting-first apps are included because people genuinely weigh them against trackers, but we've said plainly where their spending features become overhead for someone who only wants the total. Prices and features were verified against each provider's official site in July 2026 and do change — confirm before subscribing. We make Ascend, so we're biased; the entries above concede where each rival is the better tool on purpose.
Sources, verified July 2026: Empower, Kubera ($250/yr), Monarch ($99.99/yr), Copilot ($95/yr), PocketSmith (free + paid tiers), and Tiller ($79/yr). Prices change — check current figures before purchasing.