The best app to track networth depends on what you own and how much effort you want to put in. A person with a checking account, a 401(k) and a car needs something different from an investor holding crypto, rental property and private shares. Below is a practical way to choose, with a look at the main options.
Net worth is simply what you own minus what you owe. An app that tracks it pulls balances from your accounts, adds them up, and charts the total over time. The chart is the point: seeing the line move is what keeps people consistent.
Quick picks by type of user
- Hands-off, mostly US accounts: Empower (previously Personal Capital) offers a free net worth dashboard that links to banks and investment accounts.
- Budgeting plus net worth: Monarch Money combines budgets, goals and a net worth view, with a paid subscription.
- Many asset types: Kubera is built for crypto, real estate, private holdings and international accounts, and is aimed at people with complicated portfolios.
- Clean mobile experience: Copilot is popular among Apple users for design and categorization.
- Full control and privacy: A spreadsheet in Google Sheets or Excel, updated monthly by hand.
Mint, once the default choice, was shut down in early 2024, with users directed toward Credit Karma. If an old guide still recommends it, ignore that part.
Features and prices change often, so confirm current details on each product’s site before you subscribe.
What to compare before you pick the best app to track networth
Account coverage
Check that your bank, brokerage and loan servicer connect properly. Linking relies on third-party aggregators, and some institutions connect poorly. Try the free tier or trial and see whether your accounts sync without errors.
Manual assets
Your home, a car, a business stake or art will not link automatically. A good app lets you add manual entries and update values. Check how easy that is, since it determines whether you will keep doing it.
Liabilities
Mortgages, student loans, credit cards and car loans should be included. An app that only shows assets will flatter you.
Currency and country support
If you live outside the US or hold accounts in several currencies, many popular apps work badly. Look for explicit support for your country before paying.
Cost
Free apps typically make money by offering you advisory or financial products. Paid ones charge a subscription and usually avoid that. Decide which model you are comfortable with.
Privacy and security
You are handing over access to financial data. Read how credentials are handled, whether two-factor authentication is supported, and whether data is sold or shared. Read-only connections are safer than anything that can move money.
Spreadsheet or app?
The best app to track networth is not always an app. A simple sheet with rows for each account and a column for each month takes ten minutes to update and never breaks when a bank changes its login page. The downside is that it is manual, so you must remember. Many people start with a sheet, then move to an app once they have more accounts than they want to type in.
A simple setup that works
- List every asset: cash, retirement accounts, brokerage, home value, vehicles, business interests.
- List every debt with its current balance.
- Choose one tool and enter the starting numbers.
- Check once a month on the same date. Weekly is too noisy, because markets swing.
- Look at the trend over quarters, not days.
Mistakes people make
- Overvaluing a home using a rough online estimate and then feeling richer than they are.
- Counting a car at purchase price when it depreciates.
- Forgetting to subtract taxes owed on retirement accounts when planning withdrawals.
- Switching tools so often that the history is lost. Export your data occasionally.
How to decide today
If you want the least effort and mostly have standard accounts, try Empower’s free dashboard. If you also want serious budgeting, test Monarch or Copilot with a free trial. If you hold unusual assets, look at Kubera. If you value privacy above convenience, use a spreadsheet. Whichever you choose, the best app to track networth is the one you will actually open every month.
This article is general information, not financial advice.
Related reading: Elon Musk Networth Real Time: Where to Track It and Why It Swings.
For official definitions and data, see Investopedia.
