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5 best net worth trackers

Lissa Poirot Guest Contributor

Fact checked by Clay Halton

Updated Apr 16, 2025

Let technology figure out your finances with these five best net worth trackers.

While we adhere to strict editorial guidelines, partners on this page may provide us earnings.

Tracking your net worth gives you a clear picture of what you own and what you owe. The right tool can make that process easier and more accurate, so knowing which net worth trackers are worth using is important. Here are the best ones to try.

5 best net worth trackers

  • Methodology: How we rank the best net worth trackers

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    Our ranking methodology

    The best net worth tracker tools were evaluated and rated by seven Moneywise subject matter experts. We focused on the features and factors that matter most to everyday users, following strict editorial integrity standards to help you make smart, confident financial decisions.

    Our expert team includes fintech journalists, analysts, and personal finance pros—people who understand the tools that truly help users track, grow, and manage their wealth. While the platforms featured in this article were independently selected, some links may be from our sponsors.

    Our evaluation process

    We gathered and analyzed over 3,000 data points across 15 popular net worth tracking platforms to help you find the best tool for your needs. Whether you're just starting your financial journey or managing a complex portfolio, we aim to connect you with platforms that suit your goals, habits, and tech preferences.

    Moneywise.com rates tools and services on a 1 to 5-star scale, with 5 stars being the highest rating. Our evaluation criteria included:

    • Account aggregation and syncing reliability

    • Budgeting and goal-setting tools

    • Ease of use and app interface

    • Security and data privacy standards

    • Cost and subscription model

    • Customer support and educational content

    Our data-driven approach

    Every rating and review is based on in-depth research and hands-on testing. While we may partner with some providers, we do not accept paid placements in our rankings—our reviews are always designed to prioritize the reader.

    To find the top net worth tracking tools, we evaluated a wide range of factors including data import capabilities, real-time syncing performance, financial planning features, customization options, and how well each platform supports holistic wealth tracking.

    It’s important to note that platform features and pricing may change without notice. The right tool depends on your unique financial situation, goals, and the level of insight you’re looking for.

    Each factor in our review was carefully weighted to reflect what matters most to both beginners and seasoned users tracking their full financial picture.

    Our goal

    Our mission is to offer independent, transparent reviews so you can confidently choose the net worth tracker that best fits your financial life.

Best net worth tracker overall: Empower

Empower logo
Fast facts:
  • Pricing: Free
  • Free version: Yes
  • Account integration: Bank accounts, 401(k)s, IRAs, investments, stocks, debts, credit cards and mortgages
  • Account syncing: Yes
  • Investment tracking: ETFs, mutual funds, stocks, bonds, crypto and real estate

  • Why we chose Empower:

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    The company Empower has its roots in the 1890s and has become best known as a retirement-focused firm. However, as fintech began catching fire, Empower took a big competitive leap into the online financial planning field. Notably, Empower bought the net worth tracker Personal Capital in 2020 to attract users who were interested in tracking their wealth in one convenient place. The best part? Empower's Personal Capital dashboard is 100% free to download.

    You don't need to spend a dime to analyze all of your assets and use Empower's tools to help with budgeting, retirement planning, and investments. The trifecta of simplicity, zero cost, and a wide range of tools make Empower Personal Wealth the best overall pick for a net worth tracker.

Empower Pros and Cons

Pros

Pros

  • Free to download: There’s no cost to download and start using Empower.

  • Extensive tools: Empower offers many charts and analytics to study your performance.

  • Includes multiple investments: You get a complete picture of your assets, including alternatives like real estate and cryptocurrency.

Cons

Cons

  • Limited customization: Some may find Empower's budgeting recommendations or tools lack the depth of competing net worth trackers.

  • Sales calls: Empower may contact Personal Wealth users with solicitations to attract paying clients.

  • No credit score tracking: Empower does not include some critical parts of your financial life like credit score ratings.

Best for managing multiple accounts: Monarch Money

Monarch money logo
Fast facts:
  • Pricing: $8.33 monthly (annual plan)
  • Free version: No
  • Account integration: Bank accounts, credit cards, loans, investment accounts, real estate and vehicles
  • Account syncing: Yes
  • Investment tracking: Stocks, mutual funds, 401(k)s, ETFs, cryptocurrency, and real estate

  • Why we chose Monarch Money

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    Some net worth tracker nerds are still mourning Mint's discontinuation in 2024. Monarch Money is often seen as the successor in this space. The founders of Monarch Money had a hand in Mint's creation.1 Monarch Money also has a similarly seamless UI/UX, which includes comprehensive syncing capabilities and clear visualizations of assets and liabilities.

    Monarch is particularly good for individuals and couples who crave collaboration with financial advisors and need multiple accounts in one place. This net worth tracker works with everything from Apple cards and banks to Coinbase and Zillow, so you can get a great view of your total holdings. Beyond tracking your finances, Monarch Money uses all this data to help you budget and forecast future expenses.

Monarch Money Pros and Cons

Pros

Pros

  • Simple interface: Monarch’s desktop interface is clean, and it has a highly-rated mobile app.

  • Connects to multiple assets: You’ll get a comprehensive overview of your finances with Monarch, including alternatives like crypto and real estate.

  • Easy to collaborate: The Monarch app welcomes collaboration with family members or financial advisors at no extra cost.

Cons

Cons

  • No free plan: You could get a free trial of Monarch, but you have to pay if you want to use this service.

  • No bill payment or money transfer function: Monarch Money doesn’t allow you to pay bills or move money between accounts within the app.

  • Complaints over syncing: Some online reviewers complain of delays or glitches in data syncing between certain accounts on Monarch.2

Best for fans of spreadsheets: Tiller Money

Tiller Money logo
Fast facts:
  • Pricing: $79 per year
  • Free version: No
  • Account integration: Bank accounts, credit accounts, loan accounts, investment accounts, retirement accounts, HELOCs and CDs
  • Account syncing: Yes
  • Investment tracking: Limited

  • Why we chose Tiller Money

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    Tiller Money may be the perfect tracking tool for spreadsheet superfans. Founded in 2015, Tiller developed a service that automatically feeds daily financial data directly into platforms like Google Sheets and Excel. This integration helps people familiar with spreadsheets work in a comfortable and customizable environment. You get to set the rules with personalized tracking of your assets and liabilities, as well as custom calculations, charts, and reports to visualize net worth over time. While this isn't the most hands-off net worth tracker, it's a popular pick for those who prefer spreadsheets and want a helping hand.

Tiller Money Pros and Cons

Pros

Pros

  • Spreadsheet integrations: Tiller’s defining feature is connecting roughly 21,000 financial institutions with your Google Sheets or Excel account.

  • Customizability: With Tiller, you can personalize templates or use pre-built ones to create reports as you see fit.

  • Strong community support: Tiller has an active and helpful user community where members constantly share templates and solutions.

Cons

Cons

  • Not for beginners: You need some basic understanding of spreadsheets to get any value out of Tiller.

  • No free version: While Tiller offers a free trial, there’s no free version of this tool.

  • Limited investment tracking: Although Tiller is working on a beta launch for portfolio tracking, this isn’t a central feature.

Best for forecasting cash flows: PocketSmith

PocketSmith logo
Fast facts:
  • Pricing:S $9.99, $16.66 or $26.66 monthly (annual plan)
  • Free version: Yes
  • Account integration: Bank accounts, credit cards, loans, investment accounts, cryptocurrency and precious metals
  • Account syncing: Yes
  • Investment tracking: No

  • Why we chose PocketSmith

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    Anyone who uses calendars or sticky notes will likely enjoy the design used in the PocketSmith net worth tracker. Established in 2008, PocketSmith's initial concept was to be a "financial calendar," and this customizable feature continues to be its distinguishing trait. With a PocketSmith account, you can set schedules for your payments and monitor all of your upcoming expenses and inflows to get a clear read on cash flows. This detailed tracking of cash movements makes it easier to gauge your net worth and project out into the future with Forecast graphs.

    While PocketSmith's interface may not suit everyone's taste — and it doesn't offer seamless investment monitoring or a feature-rich free plan — it still has a lot for people who are primarily concerned with monitoring inflows and outflows.

PocketSmith Pros and Cons

Pros

Pros

  • Clean calendar model: PocketSmith excels in projecting your future financial situation with its unique calendar view.

  • Highly customizable: You can create multiple dashboards and tailor them with various PocketSmith widgets to see the most relevant financial info.

  • Detailed reporting: With PocketSmith, you’ll get plenty of in-depth reports on income, expenses and net worth.

Cons

Cons

  • Limited free plan: There is a free PocketSmith plan, but it’s very limited with only manual imports and two dashboards.

  • Overwhelming interface: The abundance of features and customization options sometimes creates a cluttered and intimidating experience.

  • Difficult to track investments: While PocketSmith has ways to track investments, you have to work with other providers like Sharesight for real-time monitoring.

Best for budgeting and paying off debt: You Need a Budget (YNAB)

YNAB logo
Fast facts:
  • Pricing: $9.08 monthly (annual plan)
  • Free version: No
  • Account integration: Bank accounts, credit card accounts, loan accounts, investment accounts, retirement accounts, property and vehicles
  • Account syncing: Yes
  • Investment tracking: No

  • Why we chose YNAB

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    Born in 2004 as a humble spreadsheet for a broke newlywed, You Need a Budget (YNAB) has evolved into a financial ecosystem that's helped thousands ditch debt. The key philosophy that powers YNAB is to give "every dollar a job" (aka zero-based budgeting). This app helps you achieve this goal with educational resources and color-coded targets to "gamify" your money strategy. With all of the satisfying graphs and goal-tracking tools, you may find it's more addictive to allocate your funds for guilt-free spending.

    YNAB isn't ideal for tracking someone's investments, but it's a great tool for those who need help budgeting better.

YNAB Pros and Cons

Pros

Pros

  • Effective budgeting framework: YNAB’s focus on zero-based budgeting encourages users to be more intentional with their money.

  • Educational resources and support: Since YNAB is so much about mindset, it has a wealth of educational resources.

  • Loan calculator and debt management tools: YNAB includes tools to help you plan and track debt repayment, as well as spotting potential interest savings.

Cons

Cons

  • Requires active management: YNAB demands you adopt its philosophy and actively put it into practice, which some may find unnecessary or undesirable.

  • No investment tracking: This app targets budgeting and debt rather than tracking investments.

  • Subscription cost: You need to pay a monthly or annual subscription fee to use YNAB.

What is net worth?

Your net worth is the total value of everything you own minus everything you owe. Wondering how to figure out your net worth? It's a simple equation. Add up the value of all your assets, subtract the amounts of your debts and liabilities, and the result is your net worth. Student loans, car loans, credit card debt, high mortgages and medical bills all hurt your net worth. If you owe too much, your net worth can go negative. Here are some examples.

Example of net worth

If Maya owns a paid-off car worth $10,000 and has $3,000 in savings, but owes $5,000 on a student loan, and these things are her total assets, her net worth would be calculated as $10,000 + $3,000 – $5,000 = $8,000.

If Carlos has $2,000 in the bank but owes $6,000 on credit cards and these are his total assets, his net worth would be calculated as $2,000 – $6,000 = –$4,000.

How do I calculate my net worth?

Calculating your net worth is very straightforward: Add up everything you own, and then subtract everything you owe.

First, you figure out the total value of the assets in your portfolio, including cash savings, real estate and investments. After you've totaled up all of this "good stuff," you turn your attention to the not-so-fun debts you still have like student loans and mortgages. Whatever you have left over after subtracting the value of your assets from your liabilities is your current net worth. 

While this calculation is easy to understand, it's far from simple to implement as your finances change and get more complicated. That's why net worth trackers are so beneficial. These tools can keep tabs on all of your inflows and outflows in real-time so you get a picture of your most up-to-date financial picture.

Why you should track your net worth

Your net worth shows where you are in terms of those goals. Your net worth tells you the full financial picture. The higher your net worth, the more money you have available for your retirement. If your net worth isn't in line with your goals, it's a sign that you'll have to keep working on getting your finances in order.

How to increase your net worth

Now that we've covered some of the best net worth trackers, here are a few tips to keep in mind as you work on growing your net worth:

  1. 1 Create a game plan: Your net worth matters as a guiding star, but you have to know what you're aiming for. Do you want to reach financial independence by a certain age? When do you plan on retiring? Create an overall game plan for your wealth and know what you're working towards.
  2. 2 Stick to your budget: It's hard to increase your net worth if you spend as much, or more, than you make every month. Create a budget using various budgeting apps or a simple spreadsheet and stick to your plan.
  3. 3 Invest diligently: Investing is one of the best ways to grow your wealth thanks to the power of compound interest. So, start investing regularly and stick with this habit. You can use robo-advisors, an online broker or even microsaving apps.
  4. 4 Create new income streams: Like investing, creating new income streams helps accelerate your net worth. Consider starting a side hustle, like an online business, or picking up side gigs to make extra cash.

Which net worth tracker is right for you?

Plenty of net worth trackers can give you insights into your financial life, but each of these tools has a different focus area. Double-check the features on these tools to figure out whether they suit your situation. 

Net worth tracker
Who is it for and why?
Why it stands out
Empower
Great for investors who want a long-term, big-picture view of their financial lives. 
Free to use, plus it has a lot of handy features like charts and analytics.
Monarch Money
Individuals or couples who want a modern, Mint-like budgeting and net worth tracking tool with collaborative features. 
One of the most intuitive net worth tracking tools, ideal for those who want to customize dashboards and collaborate with ease.
Tiller Money
Great for spreadsheet geeks who want automation with full customization.
Focuses on making spreadsheet calculations seamless for those who already prefer using Google Sheets or Excel. 
Pocketsmith
Those who love planning ahead and forecasting their cash flows. 
The calendar-based model helps give users a sense of control over budgeting plus in-depth net worth forecasts over time.
YNAB
Primarily for people who need an extra push to get their budgeting and debt payments on track. 
Creates a culture around “zero-based budgeting” and makes it easy to put these theories into practice through its app. 

FAQs

  • What is the best net worth tracker?

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    The "best" net worth tracker depends on individual needs, but Empower is a top contender because it’s free to download and has so many features.

  • What percentage of Americans have a net worth of over $1,000,000?

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    Currently, about 12% of American homes have a net worth over $1 million.3

  • Is a 250K net worth at age 30 good?

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    A $250K net worth by 30 is well above the median net worth of about $35K,4 and many financial planners will say it’s $150K above the high-end recommendation.5

  • How to track your own net worth?

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    Without a net worth tracker, you'll need to calculate the current value of your assets (including cash, properties, and investments) and liabilities (e.g., bills and debts) to subtract them and determine your net worth.

Lissa Poirot Guest Contributor

Lissa Poirot is an award-winning journalist and editor with a focus on finance, travel and health. Her work has appeared online and in print. She currently resides in Pennsylvania.

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