What's the best app or tool to help me track my net worth?

If your main goal is tracking net worth, rather than detailed budgeting, I’d narrow it to these:

• Empower — best free option. It automatically aggregates bank, credit-card, loan, retirement, and investment accounts and gives you a net-worth dashboard plus investment and retirement-planning tools.
• Monarch Money — best if you also want serious budgeting. It combines net worth, spending, investments, recurring bills, and household finances in one polished app.
• Quicken Simplifi — good lower-cost all-in-one. It combines automated account aggregation, budgeting, investments, and net-worth tracking; current pricing is around $3.99/month when billed annually.
• Kubera — worth considering for complicated wealth. It is particularly geared toward people with real estate, crypto, private/alternative assets, and multiple types of holdings.
• A spreadsheet — best for maximum privacy/control. You manually enter balances, but you don't have to connect your financial accounts to a third-party aggregator.

My practical recommendation

If you just want to answer “Am I getting richer over time?”, start with Empower. It's free and specifically strong at giving you a consolidated net-worth/investment picture.

If you want net worth + budgeting + household financial management, I'd look at Monarch Money.

If you tell me roughly what you own (e.g. checking/savings, 401(k), brokerage, house, crypto, student/car loans) and whether you're iPhone or Android, I can narrow it down to the best fit for your situation.

The "best" tool depends entirely on whether you want something completely free, a gorgeous modern dashboard, or a deep-dive spreadsheet.

Top tools for tracking net worth break down by category:

1. Empower Personal Dashboard (Best 100% Free Option)
   • Why it’s great: Formerly known as Personal Capital, it remains the gold standard for a free net worth and investment tracker. It features stellar charts, automatic account syncing, a retirement planner, and portfolio fee analyzers.
   • The catch: Because it's a free tool built by a wealth management firm, expect occasional upsells or calls from their financial advisors.
2. Monarch Money (Best All-in-One & For Couples)
   • Why it’s great: It has exploded in popularity as the spiritual successor to Mint. It offers a clean, ad-free interface, robust budgeting tools alongside net worth tracking, custom asset/liability manual entries, and seamless partner-sharing capabilities.
   • The catch: It’s a paid subscription service (around $99+/year), though it comes with a free trial.
3. Copilot Money (Best Design-Forward Apple App)
   • Why it’s great: If you live in the Apple ecosystem (iPhone, Mac, iPad) and appreciate slick, modern UI and smart categorization, Copilot is unmatched. It handles investment tracking and net worth cleanly alongside monthly cash flow.
   • The catch: Subscription-based and limited primarily to Apple devices (though a web app version has expanded availability).
4. Kubera (Best for Advanced / High Net Worth)
   • Why it’s great: Built for modern portfolios that include traditional accounts, crypto, precious metals, domain names, cars, and real estate valuations via global integrations. It is hyper-secure and tracks everything in one place.
   • The catch: It is a premium, high-cost tool ($250/year) with no free tier.
5. Tiller Money (Best for Spreadsheet Lovers)
   • Why it’s great: It securely auto-syncs your daily bank and investment data straight into Google Sheets or Microsoft Excel templates. You get 100% ownership and customization over your data and charts.
   • The catch: Requires a subscription and a basic comfort level with spreadsheets.

To help narrow this down, tell me:

• Do you want a free app or are you willing to pay for a subscription?
• Are you looking strictly for a passive net worth tracker , or do you also want to budget your monthly spending?

The "best" tool depends entirely on whether you want a free dashboard , a comprehensive modern app, spreadsheet control , or advanced tracking for global/crypto assets.

The top options on the market stack up by category:

• Empower (Best Free Overall): Formerly known as Personal Capital, the Empower Personal Dashboard is widely considered the best 100% free tool for tracking net worth and investments. It features robust asset allocation charts, retirement planners, and easy syncing for loans, real estate (via Zillow), and investment portfolios. (Note: They make money by trying to pitch their wealth management services, but you can safely ignore the sales calls).
• Monarch Money (Best Paid All-in-One App): If you want a polished, modern app with zero ads and great budgeting/cash flow features alongside net worth tracking, Monarch Money is a top crowd favorite. It handles multi-user/partner logins cleanly, syncs with unusual assets like crypto and car values (via VIN), and offers gorgeous visual dashboards.
• Kubera (Best for Advanced/Global Portfolios): Kubera is a premium, beautifully minimalist tracker built specifically for modern wealth. It connects to traditional accounts globally, tracks crypto wallets, DeFi assets, and physical assets (like domains or cars), and even features an "beneficiary" dead-man's switch feature. It’s pricey, but unmatched for complex asset mixes.
• Tiller (Best for Spreadsheet Lovers): If you prefer complete control and custom math over a pre-packaged app interface, Tiller automatically feeds your daily financial data straight into Google Sheets or Microsoft Excel. You can build your own custom net worth and forecasting templates.

To help narrow down the right choice, tell me:

• Are you looking for something 100% free , or are you open to a paid subscription?
• Do you also want to budget and track daily spending , or do you just want a clean high-level snapshot of your assets and liabilities?

The “best” net worth tracker depends on how you manage money. These are the strongest options right now:

My picks by situation

• “I just want to know my net worth and watch it grow.” → Empower (free)
• “I want net worth + budgeting + a complete household money dashboard.” → Monarch Money
• “I have real estate, crypto, business interests, or lots of accounts.” → Kubera
• “I don’t want to connect my accounts.” → A simple spreadsheet updated monthly can work very well.

For most people in the U.S., I’d start with Empower because it’s free and gives you the core thing you need: a reliable assets-minus-liabilities number over time. If you later want a more complete household financial system, move to Monarch.

A good habit is to update/check your net worth once a month, not daily—daily changes can create noise, while monthly trends show whether you’re actually building wealth.

The "best" tool for tracking your net worth depends entirely on whether you want something free , a comprehensive dashboard , or a customizable spreadsheet.

The top-rated apps and tools available are organized by what they do best:

• Empower Personal Dashboard (Best Free Option)
  Formerly known as Personal Capital, this is widely considered the gold standard for a 100% free net worth and investment tracker. It automatically syncs your accounts, maps your assets versus liabilities, and provides fantastic retirement and investment portfolio analysis tools. Note: Because it's free, their human financial advisors may occasionally try to upsell you on wealth management services.
• Monarch Money (Best Overall Paid App)
  If you don't mind a subscription (around $8–$10/month), Monarch is currently the favorite modern replacement for Mint. It features a clean, ad-free interface, highly customizable dashboards, excellent collaboration tools for couples/spouses, and robust, beautiful charts tracking your net worth and cash flow over time.
• Tiller Money (Best for Spreadsheet Lovers)
  If you prefer total control and want your data living in your own files rather than an app interface, Tiller automatically feeds daily financial data directly into Google Sheets or Microsoft Excel . They provide robust templates for net worth, budgeting, and debt tracking that you can customize infinitely.
• Kubera (Best for High-Net-Worth / Crypto / Global Assets)
  Kubera is a premium, beautifully minimal portfolio tracker built for modern assets. It doesn't just track traditional bank accounts; it seamlessly integrates crypto wallets, precious metals, domain names, cars, and international accounts that standard budgeting apps struggle to handle. It is on the pricier side, but unmatched for complex portfolios.

To help narrow down which of these fits you best, tell me:

• Do you prefer a free app or are you willing to pay a subscription?
• Do you want to track daily spending/budgets alongside your net worth, or do you just want a high-level wealth snapshot?

If your main goal is “I want to know my net worth and watch it grow over time,” my top pick is Empower Personal Dashboard.

My picks

• 🥇 Best free: Empower — It automatically pulls in checking, savings, credit cards, investments, retirement accounts, mortgages, and loans, then gives you a consolidated net-worth view. It’s completely free.
• 🥈 Best paid all-in-one: Monarch Money — Better if you want net worth + budgeting + cash-flow tracking + goals in one polished app. Current comparisons put its Core plan around $100/year.
• 🥉 Best for spreadsheets/control: Tiller — Automatically feeds financial data into Google Sheets or Excel, giving you much more control over exactly how you calculate and visualize your wealth.
• Best for complicated wealth: Kubera — Worth considering if you have lots of real estate, crypto, private investments, collectibles, or other alternative assets that ordinary budgeting apps don't handle elegantly.

What I'd choose

Start with Empower if you're primarily interested in net worth. There's little downside to trying it because the dashboard is free, and it has unusually good investment/retirement analysis for a free tool.

I'd choose Monarch instead if you want the app to become your broader household financial command center—not just a net-worth tracker.

If you tell me roughly what you have (e.g. 401(k), IRA, brokerage, house, mortgage, student loans, crypto, etc.), I can tell you which one I'd pick specifically for your situation.

The "best" tool for tracking your net worth depends entirely on whether you want a completely free investment dashboard, a collaborative household tool, or a high-security tracker for complex, non-traditional assets.

The top-rated apps and tools for tracking net worth fall into these distinct categories:

• Empower Personal Dashboard (Formerly Personal Capital) – Best 100% Free Option
  • Pros: Exceptional, robust free investment and retirement tools, clean net worth tracking graph, and solid asset allocation breakdowns.
  • Cons: They make money by trying to upsell you on human financial advisory services, so expect occasional sales calls.
• Monarch Money – Best Overall & Household Tracker
  • Pros: Beautiful interface, highly customizable dashboard, supports multi-user household collaboration, handles manual and automatic accounts (property, crypto, cash, investments) seamlessly.
  • Cons: Paid subscription model (though free trials are available).
• Copilot Money – Best Polished Apple-First Option
  • Pros: Incredible user experience, smart categorization, gorgeous UI tailored for Mac, iOS, and iPad users, with great custom asset tracking.
  • Cons: Apple-centric (though a web app exists) and paid subscription-based.
• Kubera – Best for High Net Worth & Crypto/Global Assets
  • Pros: Tracks everything from traditional bank accounts and global real estate to crypto wallets, vehicles, and domain names. Built for modern, complex portfolios.
  • Cons: Premium-priced annual subscription with no free tier.
• Good Old-Fashioned Spreadsheets (Excel / Google Sheets) – Best for Customization & Privacy
  • Pros: 100% free, infinitely customizable, and your financial data never leaves your own file.
  • Cons: Requires manual updating (unless you use custom API connectors or plug-ins like Plaid/Empower extensions).

If you tell me what features matter most to you—like keeping it free, collaborating with a partner , or tracking crypto/real estate —I can help you pick the exact right tool.

If your main goal is simply to see your net worth in one place and watch it grow, my pick is Empower Personal Dashboard.

My picks

• 🥇 Empower — best free option. It connects checking, savings, credit cards, loans, mortgages, IRAs, 401(k)s and investments, then calculates your net worth automatically. It also has useful investment and retirement tools.
• 🥈 Monarch Money — best if you want budgeting + net worth. More polished for managing an entire household, with budgeting, goals, spending and net-worth tracking together. Current pricing is around $100/year.
• 🥉 Kubera — best for complicated wealth. Particularly good if you have real estate, crypto, private investments, collectibles or other alternative assets. It's substantially more expensive, though.
• Copilot Money — best-looking experience. Especially attractive if you're heavily invested in the Apple ecosystem and want spending, investments and net worth in a polished interface.
• Tiller — best if you want a spreadsheet. More manual/customizable and appealing if you don't want to give a financial app ongoing access to all your accounts.

What I'd choose

Start with Empower. It's hard to beat free automatic net-worth tracking, especially if you're in the U.S.

I'd pay for Monarch instead if you also want a really good budgeting system or you're managing finances jointly with a partner.

If you tell me roughly what you want to track (e.g. 401(k), brokerage, house, mortgage, bank accounts, crypto, cars, etc.) and whether you're iPhone or Android, I can narrow it down to the best one for you.

The "best" app depends on whether you want a completely free dashboard focused strictly on investments and assets, or a comprehensive, premium personal finance suite that blends budgeting with net worth tracking.

The top tools available are categorized below by their strengths:

• Empower (Best Free Option)
  • Why it's great: Formerly known as Personal Capital, it remains the gold standard for a 100% free net worth and investment tracker. It features robust asset allocation charts, portfolio checkups, and a retirement planner.
  • The catch: Because it's free, their wealth management advisors may occasionally reach out to upsell you on paid advisory services.
• Monarch Money (Best Overall / Paid)
  • Why it's great: Widely considered the premier post-Mint alternative, it features a gorgeous user interface, seamless account syncing, flexible budgeting tools, and clean multi-account net worth tracking. It also includes collaborative sharing with a partner and AI-assisted financial insights.
  • The catch: It requires a subscription (though a free trial is available).
• Quicken Simplifi (Best Budget-Friendly Paid Option)
  • Why it's great: A fast, highly customizable, and relatively inexpensive tool that gives you great visibility into your cash flow, spending goals, and overall net worth tracking without the heftier price tag of some competitors.
• Spreadsheets (Excel or Google Sheets) (Best for Complete Control)
  • Why it's great: Zero privacy concerns, completely free, and infinitely customizable. Many advanced personal finance enthusiasts prefer manual entry or custom CSV imports via tools like Tiller to avoid third-party app linking issues.

If you'd like to narrow it down, let me know:

• Do you prefer a completely free app or are you willing to pay for a subscription?
• Do you also want deep budgeting and spending tracking , or just high-level asset and investment monitoring?

If your main goal is “I want one number that tells me what I’m worth, updated automatically”, my pick is Empower Personal Dashboard.

Empower offers a free dashboard that connects checking/savings, credit cards, mortgages, loans, IRAs/401(k)s, and investment accounts, then calculates your assets minus liabilities. It also gives you investment and retirement-planning tools.

My shortlist

• 🥇 Empower — best free option. Best if you primarily care about tracking net worth and investments without paying a subscription.
• 🥈 Monarch Money — best all-around paid option. Better if you want net worth plus detailed budgeting, transactions, bills, and household finances. Current 2026 comparisons generally put it around $100/year.
• 🥉 Kubera — best for complex wealth. Particularly appealing if you have substantial real estate, crypto, private investments, collectibles, or assets across multiple countries.
• Copilot Money — best-looking/polished experience. Especially good if you're heavily in the Apple ecosystem.
• Quicken Simplifi — best inexpensive all-in-one. Strong if you want budgeting to be as important as net-worth tracking.

If I were starting today: I'd try Empower first because it's free. If you find yourself wanting more control over budgeting and household finances, move to Monarch.

If you tell me (1) whether you're on iPhone or Android, (2) roughly how many accounts you have, and (3) whether you care more about net worth or budgeting, I can tell you which one I'd choose for your situation.