Net worth tracking apps in Personal Budgeting & Finance Apps | Parse

Feature	Monarch	Empower	Copilot
Net worth across accounts	Excellent	Excellent	Excellent
Investment analysis	Yes	Strong focus	Yes
Budgeting and spending	Excellent	Basic tools	Excellent
Manual assets and liabilities	Yes	Account options	Yes
Ongoing subscription	Yes	Free dashboard	Yes

When it comes to tracking your entire net worth across all accounts (checking, savings, investments, crypto, real estate, and loans), the "best" app depends on whether you want a 100% free wealth tracker or a feature-rich, modern paid dashboard.[](https://www.wealthnx.ai/blog/best-net-worth-tracker-apps-5-options-compared-for-2026/)

The top recommendations widely recognized for net worth tracking include:

Empower (Formerly Personal Capital) — Best Free Option
- Why it's great: It is completely free to use and acts more as a wealth/investment dashboard than a day-to-day budgeting tool. It provides exceptional portfolio analysis, asset allocation breakdowns, retirement planners, and historical net worth charting.
- The catch: Because it's free, Empower monetizes by trying to upsell you on their human financial advisory services, so you may get promotional calls or emails.
- Check it out: Learn more on the Empower Dashboard.[](https://www.reddit.com/r/personalfinance/comments/1r10lbl/net_worth_tracking_recommendations/)[[2](https://www.reddit.com/r/personalfinance/comments/1r10lbl)](https://www.wealthnx.ai/blog/best-net-worth-tracker-apps-5-options-compared-for-2026/)[[3](https://robberger.com/net-worth-calculators)](https://robberger.com/net-worth-calculators/)
Monarch Money — Best Overall / Premium Option
- Why it's great: Widely considered the current gold standard for post-Mint personal finance. It features a gorgeous, highly customizable user interface, seamless account syncing across multiple institutions, robust collaborative tools for couples, and clean net worth and cash flow reporting.
- The catch: It is a paid subscription service (though it offers a free trial).
- Check it out: Explore features on Monarch Money.[](https://www.reddit.com/r/personalfinance/comments/1r10lbl/net_worth_tracking_recommendations/)[[2](https://www.reddit.com/r/personalfinance/comments/1r10lbl)](https://robberger.com/net-worth-calculators/)[[3]()]()
PocketSmith — Best for Deep Forecasting & Multi-Currency
- Why it's great: Stellar, highly detailed net worth tracking that aggregates all assets and liabilities alongside a unique calendar view that can forecast your net worth and cash flow decades into the future.
- The catch: It has a steeper learning curve and is geared toward data nerds who love long-term financial modeling.
YNAB (You Need A Budget) — Best for Active Participation
- Why it's great: While technically a strict budgeting methodology, many users treat YNAB as their ultimate financial "system of record" because tracking every dollar actively builds an accurate picture of what you own versus what you owe.
- The catch: Requires a paid subscription and a shift in how you think about allocating money.

If you want to narrow this down, tell me:

Are you looking for something completely free , or are you willing to pay for a subscription?
Do you care more about passive investment tracking or active daily budgeting?

I can help you pick the exact right fit for your setup.

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The “best” net worth tracker depends on what you want it to do. For most people, I’d narrow it down to these:

Tool	Best for	Why it stands out	Trade-offs
Empower	Best free option	Strong net worth dashboard, investment tracking, retirement tools, automatic account syncing	Less focused on budgeting; may include wealth-management outreach
Monarch Money	Best all-around paid option	Combines net worth, budgeting, goals, and household sharing	Subscription cost; more than you need if you only want a net worth chart
Copilot Money	Best design / Apple users	Very polished interface, good spending and net worth views	More Apple-focused; paid product
Kubera	Complex finances	Good for multiple asset types, international holdings, crypto, real estate, and alternatives	Expensive compared with basic trackers
Spreadsheet (Google Sheets/Excel)	Maximum control/privacy	Completely customizable; no account linking	Requires manual updates

My quick picks:

You just want “What am I worth?” with minimal effort: start with Empower.
You want net worth + budgeting in one place: choose Monarch Money.
You like beautiful apps and use Apple devices: consider Copilot.
You have a complicated portfolio (business interests, crypto, real estate, multiple countries): look at Kubera.

A good rule: if your finances are mostly checking/savings, retirement accounts, brokerage accounts, loans, and a home, a mainstream tracker is usually enough. If you have unusual assets, manual tracking or a more specialized tool becomes more useful.

If you tell me:

iPhone or Android,
whether you want free vs paid, and
whether you mainly care about investments, budgeting, or just net worth, I can narrow it to one or two choices.

Net worth tracking apps

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The 3 apps I'd compare first

1. Monarch Money

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2. Empower Personal Dashboard

3. Copilot Money

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