Best Net Worth Tracking Apps Compared (2026)

By MoneyMattersDaily Editorial · Published September 1, 2026 · 4 min read

Net worth is the one number that tells you whether you’re actually building wealth or just moving money around — assets minus debts, tracked over time. The apps below all calculate it, but they get there in very different ways: some link every account automatically and show you a live number, others expect you to enter balances by hand, and a few bundle net worth into a much bigger budgeting or investing tool. The right pick depends on how much automation you want and how much you trust an app with read access to your accounts. Pricing and features below are approximate and change; check each app’s current site before signing up.

Empower — best free option with real depth

Empower (formerly Personal Capital) links your bank, credit card, loan, and investment accounts and rolls them into a single net worth number that updates automatically, alongside a genuinely useful investment fee analyzer.

Cost: Free for net worth tracking and the full dashboard.
Good fit for: Someone who wants automatic tracking across all account types without paying anything, and who doesn’t mind occasional prompts about Empower’s paid wealth-management service.
Downside: The free tier exists to funnel users toward that paid advisory service, so expect calls and emails if your linked balance crosses a certain threshold.

Monarch Money — best if you want budgeting and net worth in one place

Monarch treats net worth as one view inside a broader budgeting app, so you see your monthly spending and your long-term trend line without switching tools.

Cost: $99.99/year (or roughly $8.33/month billed annually), with a free trial.
Good fit for: Someone who already wants a full budgeting app and would rather not pay for a second, separate net worth tracker.
Downside: It’s a paid app with no permanent free tier, and the net worth view is secondary to the budgeting features — if budgeting isn’t something you want, you’re paying for more app than you need.

Copilot Money — best net worth graph and mobile experience

Copilot is a budgeting and net worth app built mobile-first, with a clean animated net worth graph that’s genuinely pleasant to check regularly, and it uses on-device machine learning to categorize spending.

Cost: $95/year or $13/month, with a free trial. iOS only.
Good fit for: An iPhone user who wants the net worth trend to be something they actually enjoy checking, not just a number buried in a settings page.
Downside: No Android or web app at all, which rules it out immediately for a lot of people, and the price sits close to Monarch’s for a narrower platform reach.

Kubera — best for tracking unconventional assets

Kubera is built for people whose net worth isn’t just bank accounts and index funds — it tracks crypto wallets, domain names, real estate, and even collectibles alongside traditional accounts, with no ads or upsells because the subscription is the entire business model.

Cost: $150/year (or a lower monthly option), no free tier.
Good fit for: Someone with a genuinely mixed portfolio — property, crypto, alternative assets — who’s found other trackers don’t handle anything outside stocks and cash well.
Downside: It’s the most expensive app on this list and has no free option, which is hard to justify if your net worth is just a checking account and a 401(k).

YNAB — best if net worth is secondary to changing your spending habits

YNAB is a zero-based budgeting app first, but it includes a net worth report that pulls from the same linked or manually entered accounts you’re already using to budget.

Cost: $14.99/month or roughly $99/year, with a free trial.
Good fit for: Someone whose real problem is not knowing where their paycheck goes each month — net worth becomes a byproduct of fixing that, not the main event.
Downside: Net worth tracking here is a secondary report bolted onto a budgeting philosophy, not the core feature, so if net worth is genuinely all you want, you’re paying for a lot of app you won’t use.

How to actually choose

Start with what you’re actually optimizing for: a free automatic number, a combined budgeting view, a graph you’ll enjoy checking, unconventional assets, or a habit change. If you just want the free number with no upsell pressure you can ignore, Empower does that. If you’d rather track spending and net worth in one paid app, Monarch or Copilot both do it well — Copilot if you’re on iPhone and want the nicer graph, Monarch if you want Android or web too. If your assets go beyond stocks and cash, Kubera is built for exactly that, at a price that reflects it. And if the real issue is your spending habits, YNAB fixes the upstream problem and gives you net worth as a side effect.

One thing to watch across all of them: net worth is a lagging number. It tells you what happened, not what to do next. Checking it monthly is useful; checking it daily mostly just adds anxiety when markets move.