Marketing Team

Our Marketing Team at PopaDex

8 November 2025

12 Best App to Track Net Worth Options for 2025

Calculating your net worth is the single most important step in taking control of your financial future. It provides a clear, data-driven snapshot of your progress, cutting through the noise of market fluctuations and daily spending habits. Finding the best app to track net worth for your specific needs, however, can be a challenge. The market is filled with options, each catering to different goals, from detailed budgeting to sophisticated investment analysis. This guide cuts through that complexity.

We have rigorously tested and analyzed the top platforms to help you make an informed decision. For each app, you’ll find a detailed review, screenshots, direct links, and an honest assessment of its strengths and limitations. We cover everything from free, powerful dashboards like Empower Personal Dashboard to specialized tools like Kubera for tracking diverse, multi-currency assets.

Whether you’re a young professional just starting, an investor managing a complex portfolio, or a freelancer with irregular income, the right tool is in this list. For those whose assets include significant real estate holdings, understanding how these are valued is a critical first step. Before diving in, it’s helpful to understand the purpose of property valuation to ensure your numbers are accurate from the start. Let’s find the perfect app for you.

1. PopaDex

For those seeking a comprehensive, privacy-conscious tool to monitor their financial health, PopaDex stands out as the best app to track net worth. Built in Switzerland, it prioritizes end-to-end encryption and data protection, offering a secure environment to consolidate your entire financial picture. The platform is designed for a global user base, supporting over 15,000 banks in more than 30 countries, making it an excellent choice for expats, digital nomads, and investors with international holdings.

PopaDex goes beyond simple aggregation with practical tools that empower users at any stage of their wealth-building journey. Its interactive visualizations transform raw data into actionable insights, while included calculators for disposable income and savings interest help with granular financial planning. For users who prefer hands-on analysis, the platform provides direct export templates for both Google Sheets and Excel, offering ultimate flexibility.

The pricing structure is refreshingly straightforward. A free Standard plan allows for manual aggregation, perfect for those starting out or who prefer not to link accounts. The Premium plan, at a very competitive €5/month, unlocks automated bank syncing, advanced insights, and dedicated support.

Key Features and Use Cases

• Privacy-First Architecture: With its Swiss foundation and end-to-end encryption, PopaDex is ideal for users who prioritize data security and confidentiality above all else.
• Global Asset Consolidation: Multi-currency support and a vast bank network make it the go-to choice for individuals managing assets and liabilities across different countries.
• Affordable Automation: The low-cost Premium plan offers a powerful and accessible entry point for automated net worth tracking without a significant financial commitment.
• Practical Planning Tools: Its built-in calculators and spreadsheet templates are perfect for young professionals and gig workers aiming to optimize budgeting and savings strategies.

Website: https://popadex.com

2. Monarch Money

Monarch Money has rapidly emerged as a leading contender for the best app to track net worth, particularly for users in the US seeking a modern, all-in-one financial dashboard. It positions itself as a premium replacement for now-defunct services like Mint, focusing on a clean user interface and robust, user-driven features. The platform excels at providing a comprehensive, real-time snapshot of your financial health by connecting to an unlimited number of accounts.

What sets Monarch apart is its emphasis on collaboration and customization. You can invite a partner or financial advisor to view and manage your finances, making it ideal for households managing joint wealth. The net worth chart is highly interactive, allowing you to filter by specific assets or liabilities and view changes over custom timeframes. It also integrates directly with services like Zillow for real-time home value estimates and Coinbase for cryptocurrency tracking.

Key Features and Considerations

Monarch is a paid-only service, offering a 7-day free trial before requiring a subscription, which starts at $14.99 per month or $99.99 annually. This premium model ensures an ad-free experience and ongoing feature development.

• Best For: Individuals, couples, and families in the US looking for a powerful, collaborative Mint alternative.
• Unique Offering: The ability to invite a partner or financial advisor to a shared dashboard is a standout feature for collaborative financial planning.
• Limitation: Its reliance on data aggregators like Plaid and Finicity means some connections may occasionally require re-authentication.

For a deeper dive into its capabilities, you can see how Monarch Money compares to other tools. Its fast onboarding and highly-rated mobile apps make getting started a smooth process.

Website: https://www.monarch.com

3. Empower Personal Dashboard (formerly Personal Capital)

Empower Personal Dashboard, widely known by its former name Personal Capital, has long been a go-to choice for those seeking a powerful and free app to track net worth. It excels by offering robust investment analysis tools alongside comprehensive financial aggregation. This platform is less focused on granular daily budgeting and more on providing a high-level overview of your wealth, making it ideal for investors who want to monitor their portfolio’s performance, asset allocation, and progress toward retirement.

What sets Empower apart is its sophisticated suite of free investment analysis features. Once your accounts are linked, the dashboard provides a detailed breakdown of your portfolio, a fee analyzer to spot hidden costs in your retirement funds, and a retirement planner. The net worth tracker is clear and updates in near-real-time, giving you an accurate picture of your financial standing by pulling in data from checking, savings, investment, and loan accounts.

Key Features and Considerations

The core dashboard and all its tracking tools are completely free, as Empower generates revenue from its optional wealth management services. This model provides immense value to users who only need the tracking software.

• Best For: Investors and retirement savers who want in-depth portfolio analysis without a subscription fee.
• Unique Offering: The free Retirement Planner and Investment Checkup tools provide analytics that rival paid services.
• Limitation: The user interface transition from Personal Capital has caused occasional login or reliability issues for some long-time users, and customer support can be inconsistent.

Understanding how financial data aggregation works can help you appreciate the technology powering this platform. Its strength remains in turning complex investment data into actionable insights.

Website: https://www.empower.com/net-worth

4. Quicken Simplifi

From the long-established Quicken brand comes Simplifi, a lightweight, cloud-based app designed for modern financial management. It serves as a more streamlined alternative to the classic Quicken desktop software, making it an excellent app to track net worth for those who want robust features without a steep learning curve. The platform provides a clear, consolidated view of your finances, connecting to your bank accounts, loans, and investments to deliver a real-time net worth calculation.

What makes Simplifi a strong contender is its focus on forward-looking financial planning. Beyond just tracking where your money is, it helps you project cash flow and manage upcoming bills, giving you a proactive handle on your financial health. Its reporting tools are highly customizable, allowing you to generate specific views of your spending, saving, and investment performance across its clean mobile and web apps. The user-friendly interface is particularly effective at making complex financial data digestible.

Key Features and Considerations

Simplifi is a subscription-based service, typically priced at $3.99 per month when billed annually, though promotional pricing can vary. It’s an inexpensive option backed by a trusted name in personal finance, and it offers a customer-friendly 30-day money-back guarantee on annual plans, allowing users to try it with confidence.

• Best For: Budget-conscious individuals and families who appreciate the Quicken brand but want a modern, easy-to-use cloud and mobile experience.
• Unique Offering: Powerful, customizable reports and cash flow projections provide a deeper, more forward-looking analysis than many simple trackers.
• Limitation: Unlike some competitors, it does not offer a permanent free tier, and promotional pricing can differ across various channels.

For those seeking a balance of powerful features and straightforward usability, Simplifi presents a compelling and affordable solution for holistic financial tracking.

Website: https://www.quicken.com/simplifi/

5. YNAB (You Need A Budget)

While primarily known for its powerful zero-based budgeting philosophy, YNAB (You Need A Budget) also functions as an effective app to track net worth. It encourages users to assign every dollar a job, a methodology that fundamentally shifts financial behavior from reactive spending to proactive planning. The platform’s net worth report is a direct byproduct of this detailed budgeting process, compiling data from all linked and manually-managed accounts, including loans, investments, and savings.

What sets YNAB apart is its educational approach. It’s not just a tool but a complete system designed to teach financial discipline. The net worth and other financial reports become powerful motivators, showing users how their daily budgeting decisions directly impact their long-term wealth accumulation. The platform’s focus on debt reduction and intentional saving makes it a fantastic choice for those who want to see their net worth grow as a result of improved financial habits.

Key Features and Considerations

YNAB operates on a subscription model after a generous 34-day free trial, costing $14.99 per month or $99.99 annually. This ad-free approach ensures user privacy and continuous access to its extensive library of workshops, videos, and support articles.

• Best For: Individuals and couples who want to build their net worth through disciplined, hands-on budgeting.
• Unique Offering: Its acclaimed four-rule budgeting methodology provides a clear framework for financial control that directly fuels net worth growth.
• Limitation: The investment tracking capabilities are basic, lacking the detailed performance metrics found in wealth-focused platforms.

The platform provides a highly structured path for users to not only track but actively improve their financial standing, making it a unique contender in this space.

Website: https://www.ynab.com/pricing

6. Tiller

For those who prefer the power and flexibility of a spreadsheet, Tiller offers a unique approach to financial tracking. Instead of a dedicated app interface, Tiller automatically imports your daily transactions, balances, and account details directly into Google Sheets or Microsoft Excel. This makes it a fantastic tool to track net worth for anyone who wants complete control over their data, reporting, and visualizations without manual data entry. You own your spreadsheet, so your historical data is always yours to keep.

What sets Tiller apart is its foundation of customizable templates. The Tiller Foundation Template includes a robust net worth tracker that updates automatically as your connected accounts sync. Users can modify this template or build their own from scratch, creating bespoke dashboards that precisely match their financial goals. This level of customization is unparalleled in the world of automated financial apps, giving spreadsheet enthusiasts ultimate control.

Key Features and Considerations

Tiller is a paid service, offering a 30-day free trial before requiring a subscription, which costs $79 per year. This fee covers the automated bank feeds and access to a rich library of community-built templates.

• Best For: Spreadsheet power users and DIY investors who want maximum control and data ownership.
• Unique Offering: Automated daily transaction and balance feeds directly into your personal Google Sheets or Excel files.
• Limitation: Requires a comfort level with spreadsheets; there is a learning curve for those unfamiliar with formulas and pivot tables.

For a deeper look into its capabilities, you can explore how to set up a Tiller-powered net worth tracker in Google Sheets. Its extensive template library and active user community provide excellent support.

Website: https://tiller.com/pricing/

7. Kubera

Kubera is a premium, high-end platform designed for the serious investor seeking the most comprehensive app to track net worth. It caters specifically to individuals with complex, diversified portfolios that include traditional stocks, real estate, cryptocurrency, and even illiquid assets like private equity or collectibles. The platform’s minimalist interface belies a powerful engine capable of aggregating data from global banks, brokerages, and crypto exchanges, presenting it all in a clean, unified dashboard.

What truly distinguishes Kubera is its unparalleled flexibility in handling non-traditional and manually tracked assets. Users can add anything from startup equity to fine art and track its value over time. For those with intricate ownership arrangements, Kubera supports nested portfolios and granular reporting, making it ideal for managing family trusts or business assets. This focus on high-net-worth individuals and complex financial pictures positions it as a specialized tool rather than a general-purpose budget app.

Key Features and Considerations

Kubera operates on a premium subscription model, starting at $150 per year, with a 14-day trial available. For users demanding white-glove service, the “Kubera Black” tier offers concierge onboarding and VIP support at a significantly higher price point, reinforcing its focus on an affluent clientele.

• Best For: High-net-worth individuals, crypto investors, and users with diverse, global, or hard-to-track assets.
• Unique Offering: Its ability to track any asset class, including private equity and collectibles, alongside traditional and crypto investments in any currency.
• Limitation: The premium price tag and lack of budgeting features make it unsuitable for users seeking a simple expense or savings tracker.

The platform is built for clarity and precision, offering a focused solution for those who prioritize accurate, all-encompassing wealth tracking above all else.

Website: https://www.kubera.com

8. Rocket Money (formerly Truebill)

Rocket Money, widely known by its former name Truebill, offers a compelling net worth tracking feature wrapped within a powerful personal finance and bill management platform. While its primary claim to fame is identifying and canceling unwanted subscriptions, its dashboard provides a clear, consolidated view of your financial standing. It connects to thousands of financial institutions, pulling in data from bank accounts, credit cards, investments, and loans to create an automated net worth calculation.

What makes Rocket Money a unique choice as an app to track net worth is its focus on the “liability” side of the equation. Beyond just tracking assets, it actively helps you reduce recurring expenses and negotiates bills on your behalf, directly impacting your cash flow and, consequently, your ability to grow your net worth. You can also add manual assets like cars or real estate to get a more complete picture.

Key Features and Considerations

Rocket Money operates on a freemium model. Core features like budgeting and net worth tracking are free, but premium features, including unlimited accounts and bill negotiation services, require a subscription that starts at $4 per month. The bill negotiation service also charges a success-based fee, typically a percentage of the first year’s savings.

• Best For: Users who want to track net worth while actively cutting recurring expenses and managing subscriptions.
• Unique Offering: Integrated bill negotiation and subscription canceling services that directly help improve your financial bottom line.
• Limitation: The best features are locked behind a premium subscription, and account connections can occasionally require refreshing.

Its simple interface and actionable insights make it a strong contender for those who want to not just see their wealth, but actively manage the expenses that chip away at it.

Website: https://www.rocketmoney.com

9. PocketSmith

PocketSmith offers a unique, forward-looking approach to financial management, making it an excellent app to track net worth for those who value planning and forecasting. Originating in New Zealand, it provides robust multi-currency support, setting it apart for international users and travelers. The platform centers around a calendar-based system, allowing you to not only see your current financial picture but also project your net worth and cash flow months or even years into the future based on your budgets and scheduled transactions.

What truly distinguishes PocketSmith is its powerful “what-if” scenario planning. You can model how major life events, like buying a home or changing careers, might impact your long-term wealth. The dedicated Net Worth page provides detailed historical charts and print-ready reports, while its cash-flow forecasting tools are invaluable for anyone with a variable income. This focus on future possibilities transforms net worth tracking from a historical record into a dynamic planning tool for achieving financial goals.

Key Features and Considerations

PocketSmith operates on a freemium model. The free plan allows manual entry, but the real power, including automatic bank feeds and unlimited forecasting, is unlocked in its paid tiers, which start at $14.95 per month or $99.96 annually.

• Best For: Global users, freelancers, and long-term planners who need powerful cash-flow and net worth forecasting.
• Unique Offering: The ability to project your net worth up to 30 years into the future and model different financial scenarios.
• Limitation: The most valuable features are locked behind its premium subscription tiers, and the interface can feel complex for new users.

Its flexibility and global bank connections make it a strong contender for those who want to do more than just track past performance.

Website: https://www.pocketsmith.com

10. Copilot Money

Copilot Money has carved out a niche as the best app to track net worth for users deeply embedded in the Apple ecosystem. This US-only platform prioritizes a polished, design-forward user experience, offering a beautiful and intuitive interface for tracking spending, investments, and overall financial health. It presents a clean, consolidated view of your finances by aggregating data from all your connected accounts into one streamlined dashboard.

What makes Copilot stand out is its commitment to the native Apple experience, with highly-rated apps for iOS, iPadOS, and macOS. The platform uses AI to deliver smart insights, automatically categorizing transactions and identifying recurring subscriptions you might have forgotten. Its investment tracking and cash-flow reporting features are particularly strong, providing clear visualizations that make complex financial data easy to understand at a glance.

Key Features and Considerations

Copilot is a subscription-based service, priced at $13 per month or $95 annually, with a free trial available. This premium model supports its ad-free experience and focus on user privacy and continuous development.

• Best For: Apple users in the US who prioritize a premium, design-centric interface for daily financial management.
• Unique Offering: Its exceptional integration with the Apple ecosystem and AI-powered transaction categorization provide a seamless and intelligent user experience.
• Limitation: The service is currently unavailable for Android or web users, limiting its accessibility to a specific audience.

For those who value aesthetics as much as functionality, Copilot offers a compelling and powerful way to monitor their financial journey.

Website: https://www.copilot.money

11. Fidelity Full View (powered by eMoney)

For those already invested in the Fidelity ecosystem, Fidelity Full View offers a compelling and completely free solution to track net worth. Powered by eMoney Advisor’s aggregation technology, this tool is integrated directly into the Fidelity platform, allowing users to link external accounts like bank accounts, credit cards, mortgages, and other brokerage accounts. It provides a convenient, consolidated financial picture without needing a separate, dedicated app.

What makes Full View a strong contender is its seamless integration and no-cost access. If you have a Fidelity account, you can enable it and start linking external accounts immediately. The platform provides a clear net worth snapshot, basic spending analysis, and budgeting reports, making it a functional financial dashboard. This convenience makes it one of the best app options for tracking net worth if you prefer to keep your financial tools under one trusted roof.

Key Features and Considerations

The primary draw is its free availability for Fidelity customers, offering robust account aggregation backed by a major financial institution. While it’s powerful, some users note discrepancies between the web version and the mobile app’s “Net Worth” feature.

• Best For: Existing Fidelity customers or anyone seeking a no-cost, secure aggregation tool from a major brokerage.
• Unique Offering: The deep integration within the Fidelity app and website provides a unified financial management experience.
• Limitation: The mobile experience can be less comprehensive than the desktop version, and manually added assets may not sync perfectly between both.

While not as feature-rich as paid standalone apps, its value as a free, integrated service is undeniable for many investors.

Website: https://www.fidelity.com/cash-management/faqs-full-view

12. Lunch Money

Lunch Money offers a refreshingly straightforward and privacy-focused approach to personal finance, making it a strong contender for the best app to track net worth. Developed by an independent creator, this web-first platform appeals to users looking for a transparent and customizable alternative to larger, corporate-backed services. It excels in providing clear, actionable insights into your financial standing, including a dedicated net worth graph that visualizes your progress over time with both synced and manually entered accounts.

What truly sets Lunch Money apart is its powerful rules engine and exceptional multi-currency support, making it ideal for expats, digital nomads, or anyone managing assets in different countries. The platform allows you to create custom rules to automatically categorize transactions, saving significant time. Its flexible, pay-what-you-think-is-fair annual pricing model also fosters a unique relationship between the developer and its user base, emphasizing sustainable, user-funded growth over venture capital demands.

Key Features and Considerations

Lunch Money is a premium service with a 14-day free trial. After the trial, users choose an annual subscription fee, starting from a suggested price point, allowing them to pay what they feel the service is worth.

• Best For: Tech-savvy users, expats, and anyone managing multiple currencies who values a powerful rules engine and supports indie software.
• Unique Offering: The robust multi-currency tracking and a user-funded, flexible pricing model create a distinctive, community-driven experience.
• Limitation: As a web-first platform, the companion mobile apps are functional but may not offer the full feature parity of the desktop experience.

The active development and direct line to the creator mean features are often added based on direct user feedback, a significant perk for those invested in the platform’s evolution.

Website: https://lunchmoney.app/

Top 12 Net Worth Tracking Apps — Comparison

Product	Core features	UX & Quality	Price & Value	Target audience	Unique selling points
PopaDex 🏆	✨ 15,000+ banks, multi‑currency, interactive dashboards, Sheets/Excel templates	★★★★☆ Privacy‑first (E2E), intuitive visuals	💰 Free (manual) · €5/mo Premium — high value	👥 Individuals, expats, investors	✨ Swiss privacy, broad global coverage, upcoming AI co‑pilot
Monarch Money	Net‑worth charts, Zillow, unlimited connections, rules & alerts	★★★★☆ Clean UI, strong iOS reviews	💰 Paid only (subscription)	👥 US individuals, couples, advisors	✨ Collaboration features; Mint replacement
Empower (Personal Dashboard)	Investment analytics, net‑worth aggregation, mobile app	★★★★☆ Strong investment tools; some reliability issues reported	💰 Free core dashboard	👥 Investors seeking portfolio analytics	✨ Advanced investment monitoring (free)
Quicken Simplifi	Net worth, cash‑flow, bills, custom reports	★★★☆☆ Familiar Quicken UX; customizable	💰 Paid (annual) · 30‑day refund	👥 Budgeters preferring Quicken brand	✨ Affordable with customizable reports
YNAB (You Need A Budget)	Zero‑based budgeting, net‑worth reporting, debt payoff tools	★★★★☆ Excellent methodology & community	💰 Subscription (free trial 34 days)	👥 Budget‑focused users, learners	✨ Best‑in‑class budgeting education
Tiller	Automated feeds to Google Sheets/Excel, net‑worth templates	★★★★☆ Power‑user friendly; spreadsheet learning curve	💰 Paid subscription	👥 Spreadsheet power users, data owners	✨ Full data export & ownership
Kubera	Banks, brokerages, crypto, nested portfolios, pro reports	★★★★☆ Premium UX for complex holdings	💰 Higher‑priced premium tiers	👥 High‑net‑worth & complex portfolio owners	✨ Deep asset coverage; professional reporting
Rocket Money	Net‑worth dashboard, subscription tracking, bill negotiation	★★★★☆ Simple setup; intuitive	💰 Free tier + paid services/success fees	👥 Consumers focused on subscriptions & bills	✨ Bill negotiation & subscription management
PocketSmith	Net Worth page, cash‑flow forecasting, multi‑currency support	★★★★☆ Forecasting‑driven, planning focus	💰 Paid plans for advanced features	👥 Planners, multi‑currency users	✨ Strong forecasting & scenario tools
Copilot Money	Aggregation, spending categorization, investments, Apple apps	★★★★☆ Polished Apple‑centric UX	💰 Paid (US availability)	👥 Apple ecosystem users who value design	✨ Slick UI and native Apple apps
Fidelity Full View	Net‑worth snapshot, account aggregation inside Fidelity app	★★★☆☆ Convenient for Fidelity customers; mobile limits	💰 Free	👥 Fidelity customers & $0 seekers	✨ Integrated with Fidelity accounts
Lunch Money	Net‑worth graph, rules engine, CSV import/export, crypto	★★★★☆ Web‑first, active indie development	💰 Pay‑what‑you‑want annual option	👥 Privacy‑minded users, cross‑border finances	✨ Transparent pricing & powerful rules engine

Final Thoughts

Navigating the landscape of personal finance tools to find the best app to track net worth can feel overwhelming, but the journey is a crucial step toward achieving financial clarity and control. Throughout this guide, we’ve explored a dozen powerful platforms, each with a unique approach to aggregating your financial data and presenting a holistic view of your wealth. From the powerful, investment-focused analytics of Empower Personal Dashboard to the meticulous, goal-driven budgeting of YNAB, the right tool is highly personal and depends entirely on your specific circumstances and objectives.

The key takeaway is that no single app is universally “the best.” Your ideal solution is the one that aligns with your financial complexity, your level of hands-on engagement, and your long-term goals.

How to Choose Your Ideal Net Worth Tracker

To make your decision, move beyond feature lists and consider the practical application of the tool in your daily life. Reflect on these critical questions:

• What is your primary goal? Are you focused on aggressive investment growth (Empower, PopaDex), detailed expense management (Quicken Simplifi, Copilot), or mastering a specific budgeting philosophy (YNAB)? Your primary motivation will quickly narrow the field.
• How diverse are your assets? If you hold international accounts, cryptocurrency, or alternative investments like real estate and collectibles, you need a platform built for that complexity, such as Kubera or PopaDex. Standard apps may struggle to provide an accurate picture.
• What is your tolerance for manual entry? Do you prefer a fully automated, set-it-and-forget-it system, or are you willing to put in the work with a spreadsheet-based tool like Tiller for ultimate customization and control? Be honest about the time you are willing to commit.

Implementing Your Chosen Tool for Success

Once you’ve made your selection, successful implementation is key. Begin by connecting only your primary accounts to get a feel for the platform’s interface and reporting capabilities. Don’t feel pressured to link every single asset on day one. Take the time to categorize transactions, set up your dashboard, and learn the core features.

Most importantly, commit to a regular check-in schedule. Whether it’s daily, weekly, or monthly, consistency is what transforms a net worth tracker from a simple data aggregator into a powerful decision-making engine. This regular habit will allow you to spot trends, celebrate milestones, and make proactive adjustments to your financial strategy.

Tracking your net worth is more than just watching a number go up or down; it’s about understanding the story your finances are telling. It’s a narrative of your hard work, your strategic decisions, and your progress toward the life you want to build. By choosing the right tool and engaging with it consistently, you are not just tracking data; you are actively authoring your own financial success story.

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Ready to see the complete, unified picture of your global assets? For those managing a diverse portfolio across currencies, crypto, and alternative investments, PopaDex offers a truly comprehensive solution. Start tracking your total net worth with the clarity and precision you need by visiting PopaDex today.