Our Marketing Team at PopaDex
12 Best Net Worth Tracking Apps (2026) — Tested & Ranked
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I tested 8 different net worth tracking apps over 3 months, connecting real accounts with real money. Some were great. Most were mediocre. A few were actively bad.
Here’s what I learned — and the 5 apps actually worth your time.
Disclosure: I work on PopaDex, which is one of the apps reviewed. I’ve tried to be fair, but you should know that going in.
What Makes a Good Net Worth Tracker?
After testing all these apps, the differences came down to a few things:
| What matters | Why |
|---|---|
| Bank connections that work | Nothing’s worse than manually re-authenticating every week |
| Handles your asset types | Crypto? International accounts? Real estate? Not all apps do |
| Actually shows history | The point is tracking change over time |
| Doesn’t sell your data | Some “free” apps have sketchy privacy policies |
| Updates reliably | Some apps break and stay broken for weeks |
The 5 Apps Worth Using
1. Empower (formerly Personal Capital) — Best Free Option
My experience: Used it for 2+ years. Reliable, genuinely free, great investment analysis.
Empower’s free dashboard is legitimately excellent. Bank connections work well, the investment fee analyzer is useful, and the retirement planner is surprisingly sophisticated for a free tool.
The catch: They want you to use their paid wealth management service. You’ll get calls from advisors. You can ignore them and keep using the free dashboard forever.
Best for: US-based investors who want solid investment tracking without paying.
Honest cons:
- Advisor sales calls can be annoying
- Interface feels dated compared to newer apps
- No crypto support
→ Empower Personal Dashboard — Free
2. Monarch Money — Best Paid Option (US)
My experience: Switched to this as my primary tracker 6 months ago.
Monarch is what Mint should have become. Clean design, reliable connections, and actual features that make tracking useful (like collaborative accounts for couples). It’s $99/year, which feels fair for what you get.
Best for: US individuals/couples who want the best modern experience and don’t mind paying.
Honest cons:
- US-only
- $99/year isn’t cheap
- No free tier (just 7-day trial)
→ Monarch Money — $99/year
3. PopaDex — Best for International/Expats
My experience: I work on this, so I’m biased. But I also use it daily.
PopaDex connects to 15,000+ banks across 30+ countries with proper multi-currency support. If you have accounts in multiple countries (or plan to), most US-focused apps simply won’t work for you.
Best for: Expats, digital nomads, anyone with international accounts.
Honest cons:
- Newer, smaller company
- Fewer US bank connections than Empower/Monarch
- €5/month for auto-sync (free manual tier available)
→ PopaDex — Free / €5/month
4. Kubera — Best for Complex Portfolios
My experience: Overkill for most people, but incredible if you have diverse assets.
Kubera handles things other apps can’t: private equity, collectibles, real estate properties, crypto across multiple wallets. If you have a complex portfolio, it’s worth the premium price.
Best for: High-net-worth individuals with diverse, hard-to-track assets.
Honest cons:
- $150/year is expensive
- Overkill for simple portfolios
- Some manual entry required for exotic assets
→ Kubera — $150/year
5. A Spreadsheet — Best for Control
My experience: I still keep a parallel spreadsheet. Old habits.
Google Sheets or Excel costs nothing, works forever, and you own your data. The trade-off is manual entry, but some people prefer that control.
For a template that works, check out our Net Worth Tracker Google Sheets Template — it’s free and auto-calculates everything.
Best for: People who want complete control and don’t mind manual updates.
Honest cons:
- Manual entry takes 15-30 min/month
- No automatic updates
- Easy to forget and fall behind
Apps I Tested But Don’t Recommend
Mint (RIP): Was okay, now dead. Many former users went to Monarch.
Rocket Money: Good for subscription tracking, but the net worth feature is basic and feels tacked on.
YNAB: Great budgeting app, but net worth tracking is an afterthought. If you want YNAB for budgeting, use something else for net worth.
Credit Karma: Free credit scores are useful, but the “net worth” feature is too limited to be useful.
PocketSmith: Promising features, but bank connections were unreliable in my testing.
Quick Comparison
| App | Price | Int’l Banks | Crypto | Free Tier | Best For |
|---|---|---|---|---|---|
| Empower | Free | ✗ | ✗ | ✓ | US investors |
| Monarch | $99/yr | ✗ | Via Coinbase | ✗ | US modern UX |
| PopaDex | €0-5/mo | ✓ | ✓ | ✓ | International |
| Kubera | $150/yr | ✓ | ✓ | ✗ | Complex portfolios |
| Spreadsheet | Free | ✓ | ✓ | ✓ | Control freaks |
My Recommendation
If you’re in the US with simple finances: Start with Empower. It’s free and good enough for most people.
If you want the best experience and will pay: Monarch Money.
If you have international accounts: PopaDex (disclosure: I work on it, but it’s genuinely the best option for this).
If you have a complex portfolio: Kubera.
If you want full control: Spreadsheet.
The most important thing is picking something and checking it monthly. The specific app matters less than the habit of tracking.
Start Now
Use the calculator at the top to get your current number. Then pick one app and commit to it for 3 months. You can always switch later.
Your future self will thank you for starting today.