Most "free net worth tracker" lists quietly include apps that are free for seven days. We've left those out. Every option below is genuinely free to use indefinitely — no card required to keep going. What differs is how much is free, and whether the tool can see everything you own. If you're new to the idea, our explainer on what a net worth tracker is covers the basics; if you already know the drill, here are the four worth your time.
Free tier vs free trial: know the difference
A free tier stays free with no end date. A free trial is a paid product you get to sample before a card is charged. The distinction matters because a tool can headline "free" while meaning "free for 30 days." All four picks here are genuine free tiers: Empower's dashboard is free forever (it earns from advisory fees), a Google Sheets template costs nothing to copy, and both PocketSmith and Ascend keep a no-cost plan that does not expire. Watch the edges, though. PocketSmith's free plan caps you at two accounts and manual imports. Ascend's Pro carries a separate 7-day trial that requires a card and auto-renews. Read what the free line actually includes before you commit time to setup.
| Cost | What's free | Crypto | Best for | |
|---|---|---|---|---|
| Empower | Free forever | Full net worth + retirement planner, fee analyzer, allocation checkup | Manual only | Stock & fund investors (US) |
| Google Sheets | Free | Manual template with a net-worth chart; total control | Manual | DIY, hands-on control |
| PocketSmith | Free tier | Manual imports, 2 accounts, 6-month forecast (bank feeds are paid) | Manual | Trying forecasting before paying |
| Ascend | Free tier | Full net worth incl. keyless crypto, percentile, basic retirement projection | Keyless · 11 networks | Crypto + traditional, no budgeting |
Empower — the strongest free tier for investors
Empower's Personal Dashboard is free forever and includes tools most apps charge for: a retirement planner with Monte Carlo simulations, a fee analyzer, and an allocation checkup. It's free because Empower hopes some users hire its paid advisory service — so expect a sales call. The real limit for many people is crypto: it's manual entry only, with no wallet or exchange sync, and the service is US-only.
Google Sheets — free and fully yours
A spreadsheet costs nothing and gives you total control. The free net-worth template from The Measure of a Plan is a good starting point — open it in Google Sheets, make a copy, and it charts your net worth as you enter balances each month. The trade-off is maintenance: you update everything by hand, and there's no syncing, no automatic prices, and no crypto reading. Great for people who like owning the file; tedious for everyone else.
PocketSmith — a free tier built for forecasting
PocketSmith has a genuine free plan, capped at manual imports, two accounts, and a six-month projection. Its specialty is calendar-based cash-flow forecasting, so it's a good way to try that style of planning before deciding whether the paid tiers (which add automatic bank feeds and longer projections) are worth it. Crypto is manual multi-currency only.
Ascend — free net worth including your crypto
Ascend's free tier is built to show your whole picture before you pay anything. It covers your full net worth across banks and 401(k)s (via Plaid), real estate (valued with the official FHFA House Price Index), and keyless on-chain crypto across 11 networks — read by public wallet address, no seed phrase — which is the piece the other free options make you enter by hand. The free tier also includes a net-worth percentile and a basic retirement projection, one saved plan scenario, and a monthly allowance of AI copilot questions.
What's behind the paywall, honestly: Pro ($12.99/month or $99/year) unlocks automatic brokerage sync via SnapTrade, true return-vs-market, a 10-stock watchlist, advanced planning with tax and Roth modeling, and the unlimited AI copilot. Your first bank or 401(k) connection is included on any tier; additional ones are a small add-on. The free tier isn't a trial and doesn't expire — it's a real, useful view of your net worth, with the automation and analysis layered on top for people who want them. You can see the full picture on the net worth tracker comparison, and if you're coming from Mint, the ex-Mint users page is the fastest way in.
Common questions
Is there a truly free net worth tracker?
Yes. Empower's dashboard is free forever, and both PocketSmith and Ascend offer free tiers that never expire. A Google Sheets template is free too, though you maintain the balances yourself. The trade-off is usually scope: free plans cap accounts, connections, or automation, and some monetize elsewhere, like Empower's advisory fees.
What is the best free net worth tracker?
It depends on what you own. If your wealth sits in on-chain crypto and brokerages, Ascend's free tier covers full net worth, a percentile, and a Monte Carlo retirement projection. If you want cash-flow forecasting, PocketSmith fits better. If you prefer full manual control, a spreadsheet wins. We built Ascend for net worth, not budgeting.
Are free net worth trackers safe?
The reputable ones use read-only connections and bank-grade encryption, so a linked account cannot be moved or traded. Check two things: whether the tool sells or shares your data, and how crypto connects. Ascend never sells data, uses AES-256-GCM at rest, and reads crypto by public wallet address only, with no seed phrase or private keys.
Bottom line: if you mostly hold stocks and funds, Empower's free tier is excellent. If you want total control, a spreadsheet is free and yours. If your net worth includes crypto and you don't want to type balances in by hand, Ascend's free tier is the one that reads it for you.