Best Net Worth Tracker

Need a tool to track your net worth? Empower is a standout, but there are other options worth checking out. Read on for more info.

The best net worth trackers come in all forms, from user-friendly mobile apps to feature-rich desktop platforms. These tools often provide a simpler way to organize finances, spot trends, and stay motivated.

Discover 10 excellent options and why they should be in your financial toolkit.

10 Best Net Worth Trackers

If you're already using a personal finance app, chances are, it's got a built-in net worth tracker that might have gone unnoticed.

In any case, below is a quick comparison of some of the best tools in the space:

Net worth tracker	Trial offer	Accounts that may be linked	Mobile app
Empower	Free to use	US-based bank accounts, credit cards, retirement plans, mortgages	iOS and Android
Kubera	$1 for 14 days	International financial accounts, crypto exchange and wallets, US real estate (via Zillow), vehicles using VIN, stocks and funds, international domains	Progressive web app on mobile
Tiller	30 days	International financial accounts, investment accounts, payment apps	N/A
PocketSmith	Free option available	International financial accounts, credit cards, loans, mortgages	iOS and Android
YNAB	34 days	International financial accounts, credit cards, loans, mortgages	iOS and Android
Betterment	N/A	Bank accounts (via Plaid), credit cards, retirement plans, mortgages	iOS and Android
Monarch	7 days	US and Canada financial accounts, real estate property (via Zillow), investment accounts, stocks and funds	iOS and Android
Simplifi	N/A	Bank accounts, credit cards, retirement plans, mortgages, digital cash	iOS and Android
Quicken	N/A	Bank accounts, credit cards, retirement plans, mortgages, digital cash	Companion mobile app
Boldin	14 days	Bank accounts (via Meld), credit cards, retirement plans, mortgages	N/A

Let's take a closer look by starting with an easy choice.

Empower: Best overall

Previously called Personal Capital, Empower is a pretty powerful all-in-one platform for investing, budgeting, retirement, and, of course, net worth tracking.

By pulling together all your financial accounts to its app, Empower can give you a real-time view of everything you own vs. what you owe.

The Net Worth section appears on the top panel of your dashboard. Here, a graph will show how your net worth has changed within the past 90 days.

At the same time, you can get to the nitty-gritty. Try hovering over the graph to get values for the one-day changes, plus your net worth for specific days. You can also click on the different tabs in the panel to view the data by account type.

Key features:

• Pricing: Free
  
• Accessibility: Web, iOS, and Android
  
• Other financial tools: Retirement planner, budget planner, investment checkup, financial calculators

Use Empower for Free

To learn more about this provider, read our full Empower review.

Got crypto assets or accounts abroad? This next one may be the best net worth tracker for you.

Kubera: Best for diverse asset holders

Kubera is a modern net worth tracker built for people who own not just traditional accounts, but also alts. You can add many of these assets automatically, including the ability to connect to 20+ popular crypto exchanges and wallets.

In addition, Kubera is a digital vault. You can securely store important documents, such as life insurance, credit card information, and long-term care plans in tightly-encrypted cloud storage, giving you peace of mind.

If you have a business with shared ownership, trust, and/or managed portfolios, you can use Kubera's Nested Portfolios. This enables you to create multiple portfolios based on entity and ownership, as well as track your own individual net worth. Such portfolios can then be linked for a unified view.

Key features:

• Pricing: $199/yr. for Kubera Essentials;
  $2,499/yr. for Kubera Black ^[1]
  
• Accessibility: Web, progressive web app on mobile, desktop
  
• Other financial tools: Nested portfolios, Fast Forward

Try Kubera For $1

To learn more about this provider, read our full Kubera review.

If you prefer the flexibility of spreadsheets, this next tool has got it all figured out.

Tiller: Best for spreadsheet users

Spreadsheet enthusiasts who want full control over their net worth tracking will likely enjoy using Tiller. It connects directly to your financial accounts and automatically syncs your transactions into customizable Google Sheets or Excel templates.

With its Foundation Template, you can grab easy, prebuilt sheets for tracking net worth, among other things. In addition, there are dozens of Community templates at your disposal to help you manage your changing needs.

While Tiller doesn't have an app, Hello, Money generates daily email updates on your net worth so you don't miss out.

Key features:

• Pricing: $79/yr.^[2]
  
• Accessibility: Web only
  
• Other financial tools: Foundation Template, Hello, Money, AutoCat, free community templates

Try Tiller Free for 30 Days

To learn more about this provider, read our full Tiller review.

PocketSmith: Most versatile

Finance apps may favor a particular user, but not PocketSmith. It offers both free and paid subscriptions to cater to different preferences and needs.

Its free subscription expectedly has limitations, like fewer tools and manual data entry (although some would actually like this more). In fact, it may be enough if you seek a simpler and no-cost solution.

Aside from net worth tracking, PocketSmith boasts powerful forecasting tools in its paid subscription. With a Fortune plan, you get up to 60 years' projection, unlimited accounts, and priority email support, to name a few.

Key features:

• Pricing: Free, Foundation ($14.95/mo. or $119.95/yr.), Flourish ($24.95/mo. or $199.95/yr.), Fortune ($39.95/mo. or $319.95/yr.)^[3]
  
• Accessibility: Web, iOS, and Android
  
• Other financial tools: Automatic bank feeds, budgets and planning, cashflow statement

Try PocketSmith for Free

YNAB: Best budgeting integration

YNAB is a popular budgeting app known for the zero-sum budgeting method and its premise of giving every dollar a job.

Nonetheless, it also has net worth tracking in its arsenal, which you can try for free before subscribing to a paid plan.

What's great about YNAB's net worth tracker is how it ties directly into your budgeting efforts. With an easy-to-read graph that lets you monitor changes in your net worth over time, it helps you stay motivated as you work toward your goals.

Key features:

• Pricing: $14.99/mo. or $109/yr.^[4]
  
• Accessibility: Web, iOS, Android, and Alexa
  
• Other financial tools: Subscription sharing, goal tracking, loan calculator, spending reports

Try YNAB Free for 34 Days

To learn more about this provider, read our full YNAB review.

Betterment: Best investment integration

Betterment is a robo-advisory tool aimed to help individuals grow and manage their wealth through automated investing and financial planning.

The app's goal-based investing features ensure your investment strategies align with much broader financial goals. For example, saving for retirement or buying a home can be planned based on your net worth.

Betterment updates your net worth as investment portfolios grow, debts are paid down, or new transactions occur in linked accounts.

Note that since it's more of an investment app, using its net worth tracker would require you to open a Betterment deposit or investment account.

Key features

• Pricing: $4/mo. or 0.25%/yr.^[5]
  
• Accessibility: Web, iOS, and Android
  
• Other financial tools: Automated investing, high-yield cash account, retirement planning

Is the Betterment app legit?
Betterment is a legitimate and trustworthy platform. As a registered investment advisor (RIA), it's regulated by the U.S. Securities and Exchange Commission (SEC). In addition, investor accounts are protected by the SIPC.

To learn more about this provider, read our full Betterment review.

Not only does the next tracker show your net worth automatically, your spouse or trusted person/s may also join in on the action.

Monarch: Best for shared access

Monarch is a powerful personal finance app that makes tracking your net worth simple and effective.

It combines all your financial accounts, including manual assets like collectibles into one clean, intuitive dashboard. You can even automatically track your real estate property values by syncing with Zillow Zestimate.

What sets Monarch apart is that it lets couples view, track, and manage their combined net worth in real time while promoting transparency and collaboration. You can even invite unlimited collaborators to your household at no extra cost.

Key features

• Pricing: $14.99/mo. or $99.99/yr.^[6]
  
• Accessibility: Web, iOS, and Android
  
• Other financial tools: Portfolio analysis, goal tracking, budgeting, bill management

Try Monarch Free for 7 Days

Simplifi: Best for mobile app users

Simplifi by Quicken is considered one of the best personal finance tools for on-the-go use. Its smooth yet comprehensive dashboard is optimized for smartphone and tablet devices.

This app syncs automatically with linked accounts, providing real-time updates on your net worth. At the same time, you may manually add assets like real estate or vehicles to get a more complete view of your finances.

Simplifi combines its net worth tracker with other tools like budgeting and spending insights, which may convince you to pay yearly for this service. Thankfully, you have about a month to give it a whirl risk-free with its 30-day money-back guarantee.

Key features

• Pricing: $5.99/mo., billed annually^[7]
  
• Accessibility: Web, iOS, Android, Google Chromebook
  
• Other financial tools: Personalized spending plan, customizable reports, real-time alerts

Read our full review on Simplifi here.

Up next is a pioneer in the financial management space.

Quicken: Best for desktop use

A trusted name in the personal finance software industry, Quicken has been around for several decades. It remains popular given its all-in-one financial management, which consolidates budgeting, bill tracking, investment management, and debt reduction.

Quicken Classic for personal use refers to two types: Deluxe and Premier. Aside from up-to-date net worth calculations, you can use it to create tax reports and manage your bill payments.

Note that Quicken is designed for desktop and laptop use. Although you can't install its full version on your mobile device, it comes with a companion mobile app and web. This way, you can still get a quick view of balances and transactions from your smartphone.

Key features

• Pricing: $5.99/mo. (Deluxe); $7.99/mo. (Premier)^[8]
  
• Accessibility: Mac and Windows; with companion web and mobile apps
  
• Other financial tools: Built-in tax reporting, investing, bill tracking, debt reduction, retirement planning

Boldin (NewRetirement): Best for DIY financial planning

Formerly NewRetirement, Boldin helps you prepare for the future, with retirement planning being an essential part of its package.

You can see how your net worth is projected to grow (or shrink) based on your retirement savings, spending, and investment strategies. This allows you to build a complete financial plan without needing external advisors.

But just the same, you can pay to get access to a Certified Financial Planner™ if you want to supercharge your money goals.

Boldin has a free basic plan, enabling you to provide financial data manually to get your retirement projections. Additionally, it offers a free trial of their paid subscription with real-time net worth monitoring.

Key features

• Pricing: $120/yr. Planner Plus; $1,650 average fee for a Boldin Certified Financial Planner™^[9]
  
• Accessibility: Web
  
• Other financial tools: Personalized forecast, what-if scenarios, goal tracking

Try Boldin Free for 14 Days

Now that you know some of your best options, the next part will delve into the basics of net worth tracking.

What Is Net Worth?

Net worth is the total value of everything you own (assets) minus what you owe (liabilities). It provides a snapshot of your financial health, showing whether you're in the positive or owe more than you have.

Your assets can include things like cash, investments, property, or any item of considerable value. On the other hand, liabilities are debt instruments such as loans, mortgages, and credit cards.

Why Should You Track Your Net Worth?

The most compelling reason for tracking your net worth is knowing where you stand financially at any given time. By monitoring it regularly, you can see how your wealth grows or declines (if you keep spending more than you earn).

In addition, showing your liabilities can help motivate you to pay them down to increase your net worth. It can also encourage better financial habits like saving more or investing wisely.

How can I track my net worth?

Aside from using a net worth tracker like Empower or Kubera, you can create a DIY version in Excel by following these simple steps:

1. List all your assets and liabilities in separate rows in one column.
   
2. Enter the corresponding values in the adjacent column.
   
3. Get totals by category (total assets and total liabilities).
   
4. Subtract the total liabilities from the total assets to determine your net worth.
   
5. Update items and succeeding columns whenever necessary.

To track regularly, you must add new details weekly, monthly, or quarterly to see your progress over a certain period.

Note that if you're tracking your net worth manually, you may need to grab information from reliable sources to have the closest estimated value of any non-liquid assets like residential houses, cars, art pieces, and others.

Ways to Increase Your Net Worth

Here are quick tips and tricks to improve your net worth:

1. Find income streams
   Consider side hustles, passive income sources, or a better-paying job to enhance your earnings and grow your assets.

2. Invest wisely
   Once your income increases seek expert advice on where to invest and how to diversify your investments.

3. Pay down debt
   Focus on high-interest debts like payday loans and credit cards to save on interest payments.

4. Maximize tax deductions
   Keep thorough records of deductible expenses, like charity donations, business costs, and others.

5. Boost the value of existing assets
   For example, adding another room to a rental property can enhance its market rate.

6. Put more into your retirement account
   Consider the maximum contribution for your 401(k), IRA, or other retirement plans.

7. Live within your means
   Keep your spending habits at bay even if your earnings increase.

How to Choose the Best Net Worth Tracker

Let's cut through the clutter and focus on what really matters when choosing the right net worth tracker.

• Core features
  Look for one that connects with your bank accounts, keeps tabs on your debts, and watches your investments like a hawk.

• Price
  Sure, free is nice, but sometimes you get what you pay for. While free versions might cover the basics, premium subscriptions could unlock the good stuff.

• Accessibility
  Your financial life doesn't stop when you leave your desk. Choose one that moves with you, whether that's through a slick mobile app or a responsive website.

• Integration with other tools
  When everything talks to each other, so to speak, you get a clearer picture of your financial health without the hassle of manual encoding.

• Security
  Your financial data needs fortress-level protection, which should be non-negotiable. The must-haves include two-factor authentication, solid encryption, and a strong security track record.

Methodology

Since net worth tracking is often not a standalone service, we chose reputable providers that offer other useful financial insights on budgeting, investing, and/or retirement planning all in one package.

Nobody likes a confusing dashboard, so we also looked at clean and intuitive designs that won't leave you scratching your head. Whether you're a beginner or a seasoned pro, you should be able to understand your net worth at a glance.

Lastly, bonus points went to trackers offering something unique. Like offline access when you're off the grid, long-term wealth projections, or the ability to automatically track non-traditional assets. Because sometimes, it's those extra features that make all the difference.

Bottom Line

Whether you would prefer our top pick (Empower) for its free service, or the detailed spreadsheets that Tiller offers, you have 10 great options that may transform how you track your money.

With regular monitoring, you'll be motivated to grow your assets and shrink your debts. That way, you can turn net worth tracking into financial empowerment.

References