Which app is best for tracking my entire net worth across all accounts?

Best overall: Monarch Money. It combines bank, credit-card, investment, loan, and real-estate accounts into one net-worth dashboard, with strong account connectivity.

• Best free: Empower — excellent for pure net-worth/investment tracking.
• Best paid all-in-one: Monarch — better if you also want budgeting and spending analysis.
• Best for serious wealth/alternative assets: Kubera.

My pick: Monarch if you want your entire financial life in one app; Empower if you want to spend $0.

The "best" app for tracking your entire net worth depends on whether you want a free, investment-heavy dashboard or a robust, all-in-one paid platform that also handles budgeting and cash flow.

The top-rated choices on the market break down as follows:

• Empower (Best Free Option)
  Formerly known as Personal Capital, Empower offers a completely free Empower Personal Dashboard that acts as an exceptional net worth and investment tracker. It automatically syncs checking accounts, savings, credit cards, mortgages, and complex investment portfolios.
  • Pros: Free to use, incredible investment analysis tools, fee analyzer, and retirement planning calculators.
  • Cons: Budgeting features are bare-bones, and because it is a free tool offered by a wealth management firm, expect occasional marketing pitches for their paid advisory services.
• Monarch Money (Best Overall / Premium Option)
  Widely considered the gold standard replacement for Mint, Monarch Money is a feature-rich, ad-free, paid platform ($14.99/month or $99/year) that seamlessly handles both daily budgeting and long-term net worth tracking.
  • Pros: Beautiful, highly customizable dashboard; excellent multi-user support (great for couples/families); supports manual or synced assets (real estate, vehicles, crypto); clean transaction categorization.
  • Cons: It is a paid subscription.
• Tiller Money (Best for Spreadsheet Lovers)
  If you prefer total control over your data rather than using a polished mobile app, Tiller Money automatically feeds your daily financial data straight into customized Google Sheets or Microsoft Excel templates.
  • Pros: Infinite customization, robust historical tracking, and complete ownership of your financial database.
  • Cons: Requires a subscription and a comfort level with working in spreadsheets.
• PocketSmith (Best for Forecasting)
  PocketSmith stands out for its incredible calendar-based view that doesn't just show your net worth today, but forecasts your cash flow and net worth decades into the future.
  • Pros: Exceptional long-term forecasting, strong global bank syncing, and multi-currency support.
  • Cons: Steeper learning curve than Monarch or Empower.

To help narrow this down, let me know:

• Do you want something completely free , or are you willing to pay for a subscription?
• Do you also want to track daily spending and budgets , or just monitor investments and asset balances?

The "best" app depends on whether you want a completely free tool, deep multi-currency asset tracking, or a polished dashboard combined with budgeting.

The top options on the market for tracking your entire net worth across all accounts break down by category:

• Empower (Formerly Personal Capital) – Best Free Option
  • The Vibe: Robust, no-cost dashboard geared heavily toward investments and net worth.
  • Why use it: It’s 100% free and offers incredible portfolio analysis, fee analyzers, and clean net worth graphs.
  • The Catch: Because it's free, expect their financial advisors to occasionally pitch you upsells for paid wealth management.
• Monarch Money – Best Overall / Best Paid Option
  • The Vibe: Modern, highly customizable, and intuitive. Widely considered the gold standard replacement for Mint.
  • Why use it: Exceptional account syncing, clean collaboration features (invite a partner), and a comprehensive view of cash flow alongside long-term net worth.
  • The Catch: It requires a paid subscription (though it offers a free trial).
• Kubera – Best for Complex / Global Net Worth
  • The Vibe: A modern spreadsheet-style tracker built for high-net-worth individuals and crypto/global asset holders.
  • Why use it: It doesn't just track bank accounts; it tracks cryptocurrency, real estate (via Zillow/address integrations), vehicles, domain names, and global holdings.
  • The Catch: It is a premium, premium-priced tool with no free tier.
• Quicken Simplifi – Best Budget-Friendly Paid Tracker
  • The Vibe: Fast, highly customizable, and affordable.
  • Why use it: Great mobile and web apps with solid watchlist and spending features that feed directly into your net worth breakdown.
  • The Catch: Subscription-based, though often heavily discounted for the first year.

To help narrow down the exact right fit for you, tell me:

• Are you looking for a free app or willing to pay for a subscription?
• Do you have complex assets (like crypto, private equity, or real estate) or mostly standard bank and retirement accounts?

If your main goal is “show me my entire financial life in one place and calculate my net worth automatically,” my top pick is Empower Personal Dashboard.

My ranking for 2026

1. empower.com — Best free option

• Connects bank accounts, brokerage accounts, 401(k)s/IRAs, credit cards, loans and mortgages.
• Automatically calculates assets, liabilities and total net worth.
• Strong investment and retirement analysis.
• Free.
• Best choice if you primarily want a wealth dashboard, rather than a detailed budgeting app.

2. monarchmoney.com — Best paid all-in-one

• Excellent net-worth tracking plus budgeting, cash flow, investments and financial goals.
• Particularly good if you want your household finances + net worth + budget in one polished interface.
• Paid subscription.

3. kubera.com — Best for complex/high-net-worth situations

• Particularly good if “everything” includes real estate, crypto, private investments, collectibles, businesses, domains, etc.
• More wealth-tracker than budgeting app.
• More expensive, but unusually comprehensive for complicated balance sheets.

4. quicken.com — Best value

• Good combination of account aggregation, budgeting, investments and net-worth tracking.
• Cheaper than Monarch while offering a broader personal-finance feature set.

What I'd choose

Just want to know my net worth → Empower.

Want to actively manage your entire household finances → Monarch.

Have a complicated portfolio with real estate/crypto/private assets → Kubera.

One caveat: no aggregator will connect perfectly to every financial institution forever. Sync failures and unsupported institutions are the biggest practical issue with these apps, so I'd judge the finalists partly by whether they support your specific accounts.

If you tell me which types of accounts you have (e.g. Fidelity + Schwab + 401(k) + multiple banks + mortgage + crypto + real estate), I can tell you which one I'd use for your exact setup.

The "best" app for tracking your net worth depends on whether you want a free, hands-off dashboard or a deeply customizable, premium tracker.

The top options on the market balance robust account aggregation with clean net worth visualization:

• Empower Personal Dashboard (formerly Personal Capital)
  • Cost: Free
  • Best for: 100% free, automated net worth and investment tracking.
  • Why it shines: It is widely considered the gold standard for free net worth tracking . It securely aggregates checking, savings, investment, crypto, and loan accounts into clean asset/liability breakdowns, plus offers a robust retirement planner and portfolio analyzer. Note: Their business model relies on upselling human financial advisory services, so expect occasional sales calls.
• • Cost: Paid (annual subscription with a free trial)
  • Best for: Modern interface, collaborative tracking (couples), and great multi-institution syncing.
  • Why it shines: Since the demise of Mint, Monarch has surged as a fan favorite. It provides a stunning, customizable dashboard for net worth, cash flow, and budgeting. You can easily link multiple data providers (Plaid, MX, Finicity) to ensure your accounts actually stay connected.
• • Cost: Paid (premium subscription)
  • Best for: High-net-worth individuals with complex, global, or alternative assets.
  • Why it shines: Unlike standard budgeting apps, Kubera is built specifically for modern net worth tracking. It tracks traditional accounts alongside crypto wallets, precious metals, domain names, vehicles, and global real estate valuations via integrations like Zillow.
• • Cost: Paid (subscription with a free trial)
  • Best for: Spreadsheet lovers who want total data control.
  • Why it shines: Tiller automatically feeds daily balances and transactions from your accounts directly into Google Sheets or Microsoft Excel . If you prefer custom formulas, pivot tables, and complete privacy over a polished mobile app UI, this is unmatched.

To help narrow down the right choice, tell me:

• Do you want something completely free , or are you willing to pay for a subscription?
• Do you also want to track daily budgeting/spending , or just watch your overall wealth grow?

If your main goal is “show me my entire net worth across every financial account in one place,” my top pick is Monarch Money.

My ranking

1. Monarch Money — Best overall

• Connects bank accounts, credit cards, investments, 401(k)s, loans, and real estate.
• Excellent net-worth charts and historical tracking.
• Particularly good if you also want budgeting, cash-flow tracking, and household/couple features.
• Monarch says it supports 13,000+ financial institutions and uses multiple data providers for connectivity.
• My pick if you want one polished app for your entire financial life.

2. Empower Personal Dashboard — Best free option

• Completely free.
• Particularly strong for investment accounts, retirement accounts, portfolio analysis, and net worth.
• Can connect checking, savings, credit cards, mortgages, loans, IRAs, 401(k)s and other investments.
• The downside: it's more investment/wealth focused and less polished as an everyday budgeting app. NerdWallet also characterizes it primarily as a net-worth tracker rather than a full budgeting app.

3. Quicken Simplifi — Best if budgeting matters too

• Combines net worth, spending, investments, savings goals and planning.
• Currently starts around $3.99/month when billed annually, according to Quicken's 2026 comparison.

What I'd choose

If you want the best overall experience → Monarch.

If you only care about seeing your total wealth and investments and want to pay $0 → Empower.

One important distinction: if by “entire net worth” you mean everything—brokerages + retirement + bank accounts + credit cards + mortgage + home value + crypto + private investments + collectibles/business interests—then I'd also consider Kubera, which is designed more specifically for complex/high-net-worth balance sheets.

If you tell me roughly what accounts/assets you have (e.g. Fidelity + Schwab + 401(k) + several banks + house + crypto), I can tell you which app will give you the most complete and reliable single net-worth number.

If your goal is one dashboard showing your entire net worth—bank accounts, credit cards, investments, retirement accounts, loans, and ideally your home/other assets—there are three I’d seriously consider in 2026:

🥇 My pick: Empower

If you primarily want to track net worth rather than manage a budget, I'd start with Empower.

It lets you connect checking/savings, credit cards, mortgages, loans, IRAs, 401(k)s and other investment accounts, then combines them into a net-worth dashboard. Empower says the dashboard is free.

Why I like it:

• $0 for the dashboard
• Excellent investment/retirement tracking
• Automatically calculates assets minus liabilities
• Good historical net-worth charts
• Particularly strong if most of your wealth is in traditional U.S. financial accounts

Downside: Empower is also a wealth-management company, so the free product is partly a funnel toward its advisory business. Some users don't love the sales outreach.

🥈 If you want a nicer "financial command center": Monarch

Monarch Money is what I'd choose if you want net worth + budgeting + spending + goals all in one polished app.

It costs about $99.99/year and supports household/shared finances.

🥉 If "entire net worth" literally means everything: Kubera

This is the interesting one if you have real estate, crypto, private investments, collectibles, multiple currencies, trusts/business interests, etc.

Kubera is much more balance-sheet/net-worth focused than a typical budgeting app and is designed to accommodate alternative assets. The tradeoff is the roughly $250/year price.

My recommendation

Start with Empower if you're in the U.S. and want the simplest/free solution.
Choose Monarch if you also want serious budgeting.
Choose Kubera if you're trying to consolidate a genuinely complicated wealth picture.

If you tell me roughly what accounts/assets you have (e.g. 401(k), IRA, brokerage, 2 banks, mortgage, house, crypto, business equity), I can tell you which one will give you the most complete picture and which accounts each is likely to connect to.

The "best" app for tracking your entire net worth depends heavily on whether you want a free tool focused purely on investments/wealth , a polished modern app for couples or daily dashboards , or total spreadsheet control.

The top options on the market stand out for specific use cases:

• Empower (Best Free Option): Formerly known as Personal Capital, this is widely considered the gold standard for a free net worth and investment tracker. It excels at aggregating all your accounts (checking, savings, retirement, mortgages, loans) and features robust portfolio analyzers, fee checkers, and retirement planners. The catch: Because it's a free tool, their business model relies on trying to upsell you on their human financial advisory services.
• Monarch Money (Best Overall / For Couples): A paid subscription app that has become a favorite since the demise of Mint. It offers gorgeous dashboards, multi-institution account syncing, and—crucially—allows you to collaborate with a partner/spouse under one subscription at no extra cost. It handles manual or automated tracking of assets like real estate and crypto alongside traditional bank accounts.
• Copilot Money (Best UI / Apple Ecosystem): If you are exclusively on iOS/Mac, Copilot offers arguably the sleekest, most modern interface available. It uses smart AI categorization for cash flow, tracks live investment performance, and seamlessly incorporates custom assets like real estate or crypto into your net worth.
• Tiller Money (Best for Spreadsheet Nerds): If you don't trust third-party app dashboards or want infinite customization, Tiller securely feeds your live financial account data directly into a Google Sheet or Microsoft Excel spreadsheet. You own the data forever and can build custom net worth and asset allocation tracking templates.

To help narrow down the best fit, tell me:

• Do you prefer a completely free app or are you willing to pay a subscription?
• Do you want to track day-to-day spending and budgeting alongside your net worth, or just view high-level balances and investments?

If your main goal is “show me my total net worth across every account in one place”, I’d rank them like this:

My recommendation by situation

• You just want your net worth number, charts, and investment overview: use Empower. It’s hard to beat free.
• You want one “financial command center” for checking, credit cards, investments, bills, and a partner/spouse: use Monarch Money.
• You have a high net worth or unusual assets (rental properties, crypto, private equity, collectibles): use Kubera.
• You mainly want to build wealth and watch the line go up: Empower is probably enough.
• You want to change spending habits: pair a budgeting app like YNAB or Monarch with your net worth tracking.

A few things I’d check before committing:

• Does it connect to your brokerage(s), 401(k), IRA, HSA, mortgage, and crypto accounts?
• Can you manually add assets (home value, vehicles, private holdings)?
• Can you export your data?
• Are you comfortable with the security model of linking financial accounts?

For a typical U.S. household, my shortlist would be:

1. Empower (free) → start here
2. Monarch Money (paid) → upgrade if you want better budgeting and household features
3. Kubera → if your finances are more complex

FinCompare Lab The Money DecodedIf you tell me whether you’re on iPhone or Android, whether you have mostly investments vs. mostly bank accounts, and whether you want free or paid, I can narrow it to one pick.

The "best" app depends on whether you want a completely free tool , a modern collaborative dashboard, or a specialized tracker for complex assets (like crypto, real estate, or private equity).

The top options on the market are categorized below by what they do best:

- **The Cost:** Free (they make money by trying to upsell human financial advisors).
- **Best For:** Pure net worth and investment tracking without a subscription fee.
- **Why it's great:** Formerly known as Personal Capital, it offers stellar, clean portfolio allocation charts, retirement planning tools, and robust automatic account syncing for checking, savings, investment, and loan accounts.
- **Check it out:** Empower Personal Dashboard[](https://www.youtube.com/watch?v=z6tKBv-P2is) [[1]](https://www.youtube.com/watch?v=z6tKBv-P2is)[[2]](https://www.reddit.com/r/personalfinance/comments/1r10lbl/net_worth_tracking_recommendations/)[[3]](https://robberger.com/net-worth-calculators/)

- **The Cost:** Paid (Annual subscription, though offers a free trial).
- **Best For:** A gorgeous user interface, excellent cash flow/budgeting integration, and joint account sharing with a partner.
- **Why it's great:** Widely considered the gold standard replacement for Mint. It allows you to seamlessly map out custom asset categories, handles multi-institution syncing exceptionally well, and gives a very clean historical view of your net worth growth alongside your monthly spending.
- **Check it out:** Monarch Money[](https://robberger.com/net-worth-calculators/) [[1]](https://robberger.com/net-worth-calculators/)[[2]](https://www.reddit.com/r/FIREUK/comments/1trtdaa/what_apps_do_people_use_to_track_net_worth/)[[3]](https://www.reddit.com/r/personalfinance/comments/1r10lbl/net_worth_tracking_recommendations/)

- **The Cost:** Premium / Paid subscription.
- **Best For:** High-net-worth individuals, crypto investors, and people with diverse, non-traditional assets.
- **Why it's great:** Traditional apps choke on things like physical real estate valuations, crypto wallets, cars, or domain names. Kubera tracks traditional bank accounts via top-tier aggregators *plus* global currencies, crypto, and rare assets, even featuring a "dead man's switch" beneficiary feature.
- **Check it out:** Kubera[](https://robberger.com/net-worth-calculators/) [[1]](https://robberger.com/net-worth-calculators/)

- **The Cost:** Paid annual subscription (with a free trial).
- **Best For:** Complete data ownership and ultimate customization via Google Sheets or Microsoft Excel.
- **Why it's great:** If you don't trust an app's pre-built dashboard and want to write your own formulas, pivot tables, and custom net worth velocity trackers, Tiller securely feeds your daily live financial institution data straight into your own spreadsheet.
- **Check it out:** Tiller Money

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

• Do you want a free option or are you willing to pay a subscription?
• Do you care about daily budgeting and cash flow , or strictly net worth and investments?
• Do you have complex assets (like crypto, private business equity, or real estate) that need manual tracking?