Comparison
The best net worth tracker apps
The best net worth tracker depends on one question: do you want your bank balances pulled in automatically, or are you happy to type them once a month? Below are nine options compared on price, bank sync and where they work, with one pick for each kind of person. We make one of them, NetWorthTrackr, and we have tried to describe the other eight the way their own sites do.
The short answer
- You want budgeting as well as net worth: Monarch Money, or YNAB if you budget every dollar before you spend it.
- You bank in the US and want it automatic and free: Empower Personal Dashboard.
- Your money is in more than one country, or you will not share bank logins: NetWorthTrackr.
- You have a large, complicated portfolio and will pay for automation: Kubera.
- You want a simple manual tracker as a phone app: Worth It.
- You are planning for early retirement, not just tracking: ProjectionLab.
- You want total control and like formulas: a spreadsheet. Ours is free to download.
All nine compared
| App | Price | Balances update | Works where | Best for |
|---|---|---|---|---|
| NetWorthTrackr | Free | You enter them; stocks, ETFs and crypto price themselves | Any country, 31 currencies; web, installable on a phone | Assets across countries; privacy |
| Empower Personal Dashboard | Free | Automatically from linked accounts | US institutions only; needs a US phone number | US investors who want a free dashboard |
| Monarch Money | About $100 a year, or $14.99 a month | Automatically from linked accounts | US and Canadian institutions | Budgeting and net worth together |
| Copilot Money | $95 a year, or $13 a month | Automatically from linked accounts | iPhone, iPad, Mac and web; no Android app | Apple users who budget |
| YNAB | $109 a year, or $14.99 a month | Linked or entered by hand | Web, iPhone and Android | Strict budgeting first, net worth second |
| Kubera | $250 a year (Essentials) | Automatically, thousands of institutions worldwide | Worldwide | Large or complex portfolios |
| ProjectionLab | Free Basic; Premium $129 a year | You enter them | Web | Retirement and FIRE planning |
| Worth It | Free | You enter them | iOS, Mac and Android apps | A simple manual tracker on your phone |
| A spreadsheet | Free | You type everything, prices included | Anywhere | Full control |
Prices are in US dollars and were checked on each company's own site on 14 October 2026. They change, so check before you subscribe.
NetWorthTrackr
Our own app, so read this one with that in mind. It is a free web app that tracks every asset and debt in one number, in 31 currencies converted nightly at European Central Bank rates. It never connects to a bank: you type balances, and listed stocks, ETFs and crypto price themselves from public market data.
The catch: no budgeting, no transactions and no bank sync. If you want balances to appear without typing them, one of the apps below suits you better.
Empower Personal Dashboard
Free, automatic and good at investments: it links your accounts and shows net worth, allocation and fees. For people who bank in the US it is the default recommendation for good reason.
The catch: linking supports US institutions only and sign-up needs a US phone number. The free dashboard also exists to introduce Empower's paid wealth management. More in our Empower comparison.
Monarch Money
A budgeting app with a strong net worth screen. It links your accounts, categorises transactions, supports a partner on the same account and pulls home values from Zillow. The first week is free.
The catch: about $100 a year, and its coverage is built for the US and Canada. If you only want net worth, you are paying for a budgeting engine. More in our Monarch comparison.
Copilot Money
A polished budgeting app that also brings stocks, crypto and your house into one net worth view. It runs on iPhone, iPad, Mac and the web.
The catch: $95 a year, and there is no Android app.
YNAB
YNAB (You Need A Budget) is a method as much as an app: every dollar gets a job before you spend it. It includes a net worth report built from the accounts you add, and offers a 34-day free trial with no card.
The catch: $109 a year, and net worth is a report, not the point. If you are not going to budget the YNAB way, it is a lot of app for one chart. See which budgeting apps track net worth.
Kubera
The most capable tracker here for a complicated balance sheet: thousands of connected institutions worldwide, private investments, and an estate handover to beneficiaries.
The catch: $250 a year for Essentials and $2,500 for Black. More in our Kubera comparison.
ProjectionLab
A planner rather than a tracker: it forecasts your finances, runs Monte Carlo simulations and models withdrawal strategies. The Basic plan is free; Premium is $129 a year.
The catch: it answers "when can I retire?" better than "what am I worth this month?". Many people pair it with a tracker. For the number itself, our free FIRE calculator needs no account.
Worth It
A free, manual net worth app for iOS, Mac and Android, with multiple currencies and no bank connection. It is the closest thing to NetWorthTrackr on this list.
The difference: it is a native phone app; we are a web app that also prices your listed holdings automatically. If you want an app icon on your phone and type every value anyway, Worth It is the better fit.
A spreadsheet
Free, private and endlessly flexible, which is why so many people start here and many never leave. Excel or Google Sheets, a row per account, a total, and a monthly history tab is all it takes.
The catch: you type every share price and exchange rate yourself, and it is awkward on a phone. Our free net worth spreadsheet is a ready-made starting point.
Do you need bank sync at all?
Bank sync is the main thing you pay for in this category, so it is worth asking whether you need it. For tracking spending, yes: nobody wants to type every coffee. For tracking net worth, usually not. Most people have five to fifteen accounts, and updating them once a month takes about ten minutes.
Sync also has costs that are easy to miss. Connections break and need signing in again, some banks are not supported, and every connection hands your login or a standing permission to another company. If that trade does not appeal, read tracking net worth without a bank login.
How to judge a "best apps" list, including this one
Many people add "reddit" to this search because most lists are written by a company that profits from the answer. That is true of this page too. Three checks help:
- Does the list say who wrote it and what they sell?
- Does it give real prices, with the date they were checked?
- Does it say where its own product loses?
We have tried to pass all three. Where an app on this list suits you better than ours, use it.
Sources
Every price and platform above was read from the company's own site on 14 October 2026:
- monarch.com/pricing
- copilot.money
- ynab.com/pricing
- kubera.com
- projectionlab.com/pricing
- getworthit.com
- empower.com (checked 17 August 2026; details in our Empower comparison)
Common questions
It depends on whether you want bank sync. For automatic tracking in the US, Empower Personal Dashboard is free; Monarch Money adds budgeting for about $100 a year. For assets in several countries, or if you will not share bank logins, NetWorthTrackr is free and works in any country. Kubera suits large, complex portfolios at $250 a year.
Empower Personal Dashboard if you bank in the US and want automatic syncing. NetWorthTrackr if your accounts are elsewhere or you prefer not to link them: it is free with every feature, tracks 31 currencies and prices stocks, ETFs and crypto automatically. Worth It is a free manual option as a phone app, and a spreadsheet costs nothing at all.
Most established apps encrypt your data and connect to banks through regulated aggregators. The bigger questions are what the company does with your data and how many standing connections you leave open. A tracker that never connects to a bank removes that risk entirely, at the cost of typing balances yourself.
A spreadsheet wins on control and cost. An app wins on upkeep: share prices, exchange rates and monthly history happen without you. Many people start with a spreadsheet and move to an app once updating prices and currencies becomes the chore.
Bank-sync apps depend on their list of supported institutions, which is longest in the US. Kubera connects to institutions worldwide. Manual trackers such as NetWorthTrackr and Worth It work in every country because nothing connects. NetWorthTrackr also converts 31 currencies nightly at ECB reference rates.
Once a month is enough for almost everyone. Net worth moves slowly, and checking daily mostly measures market noise. A monthly ten-minute update gives you a clean history to compare against.