Best Net Worth Tracker Apps: 7 Options Compared for 2025

Summary:

• Empower (formerly Personal Capital) is the top free option in the US for comprehensive net worth tracking with robust investment analysis tools, portfolio management, and retirement planning features making it ideal for individuals focused on wealth growth and investment performance tracking
• Monarch Money delivers the best premium experience with an intuitive interface, collaborative budgeting tools, and advanced financial planning features, making it excellent for couples and individuals who want an all-in-one personal finance platform beyond basic net worth tracking in the US
• Know Your Dosh specialises in family wealth management and multi-currency tracking globally, offering shared family dashboards for collaborative household finance management with a free option to start with. Uniquely designed for international families, expats, and multi-generational wealth tracking where multiple family members need secure access to view and manage collective household assets

Your wealth is scattered across 15 different accounts. Three bank accounts, two investment accounts, property equity, cryptocurrency, savings, that pension from your old job you barely remember.

You know you’re doing okay financially, but you have no idea what your actual net worth is. And you certainly don’t know if it’s growing or shrinking month to month.

We tested the leading net worth tracking apps to find out which ones actually deliver. Some are genuinely excellent. Others fall short in surprising ways. Several claim to track net worth but are really just budgeting apps in disguise.

This guide covers the seven best options for different situations – whether you’re managing international assets, coordinating family finances, or just want a simple view of your total wealth.

What is a Net Worth Tracker and Why You Need One

A net worth tracker aggregates all your assets (what you own) and liabilities (what you owe) to calculate your total net worth. Simple concept, genuinely useful.

Here’s what confuses people: net worth tracking is not budgeting. Budgeting apps focus on daily transactions and spending categories. Net worth trackers zoom out to show your complete financial picture – investments, property values, loans, everything – usually updated monthly.

You need one if you care about wealth building rather than just spending control. It answers different questions: Am I actually building wealth over time? What’s my complete financial picture for estate planning or retirement?

Quick Comparison: Best Net Worth Trackers

The 7 Best Net Worth Trackers

1. Empower – Best Overall Free Option

Empower (formerly Personal Capital) is the most complete free net worth tracker available, combining wealth tracking with investment analysis tools. With over 3 million users, it’s especially strong for tracking investments and retirement accounts.

Pros:
✅ Completely free for core tracking
✅ Excellent investment analysis tools
✅ Tracks 401k, IRA, and brokerage accounts automatically
✅ Beautiful net worth charts and timeline
✅ Connects to 14,000+ financial institutions

Cons:
❌ No multi-currency support (US-only)
❌ Limited family sharing features
❌ Frequent prompts for paid advisor services
❌ Occasional sync issues with smaller banks

Pricing: Free (optional paid advisor services start at $25,000 minimum)

Best For: US-based individuals focused on investment portfolio tracking who don’t need multi-currency or family collaboration features

Our Take: Empower is hard to beat for free, comprehensive tracking – especially if investments make up most of your wealth. The investment analytics alone would cost hundreds elsewhere. However, if you have international accounts or need family collaboration, you’ll need to look elsewhere.

2. Monarch Money – Best Premium Experience

Monarch Money delivers the most polished user experience of any net worth tracker. The interface is clean, modern, and genuinely pleasant to use. If you’re willing to pay for premium features and excellent design, Monarch is worth considering.

Pros:
✅ Beautifully designed interface, best UX
✅ Strong collaborative features for couples
✅ Excellent mobile app (iOS and Android)
✅ Flexible categorisation and custom rules
✅ Responsive customer support

Cons:
❌ $14.99/month is expensive
❌ No multi-currency support (US-only)
❌ Limited investment analysis vs Empower
❌ No free tier to test first

Pricing: $14.99/month or $99.99/year

Best For: US couples and families who want the best user experience and are willing to pay premium pricing

Our Take: Monarch excels at user experience and collaborative features. The price is steep, but if you’ll actually use it regularly because the interface is pleasant, it might be worth it. Just don’t expect Empower-level investment analytics.

3. Know Your Dosh – Best for Family Wealth & Multi-Currency

Know Your Dosh is specifically designed for families managing finances collaboratively. While most apps were built for individuals and added family features later, Know Your Dosh put family collaboration at the centre from day one.

The shared dashboard lets multiple family members access financial information with customisable permissions. Partners can both see everything and make updates in real time. Parents can share high-level net worth with adult children while keeping specific account details private.

Multi-currency support is genuinely strong here. Families managing assets across multiple countries – a London flat, US retirement accounts, European investments – can track everything in one place with proper currency conversion.

Pros:
✅ Purpose-built for family wealth management
✅ Excellent multi-currency support (track assets globally)
✅ Collaborative dashboard with permission controls
✅ Trusted by families in 50+ countries
✅ Free tier available to try before upgrading

Cons:
❌ Fewer automatic bank connections than US-focused apps
❌ Manual entry required for some accounts
❌ Less investment analysis than Empower
❌ Interface less polished than Monarch

Pricing: Free Starter plan, paid plans from £4.99/month

Best For: Families with members in different countries, expats managing international assets, or households prioritising financial transparency and collaborative wealth management

Our Take: Know Your Dosh solves two critical problems most apps ignore: family collaboration and multi-currency tracking. If you’re coordinating finances between partners, managing wealth across borders, or need transparency for estate planning, it’s one of very few genuine solutions. The trade-off is less polish and fewer automatic connections than apps focused solely on US markets. But for international families, those features aren’t optional extras – they’re essential.

4. PocketSmith – Best for Cash Flow Forecasting

PocketSmith’s unique feature is calendar-based cash flow forecasting. Instead of just showing where you’ve been, it projects where you’re going. You can see your projected net worth 6 months, a year, or even 30 years into the future based on your patterns.

Based in New Zealand, PocketSmith offers better support for non-US users than most competitors. The limited multi-currency support covers major currencies, though not as comprehensively as Know Your Dosh.

Pros:
✅ Unique calendar view of future finances
✅ Cash flow forecasting up to 30 years ahead
✅ Limited multi-currency support (major currencies)
✅ Free tier available (with limitations)
✅ Strong budgeting alongside net worth tracking
✅ Better for non-US users than most alternatives

Cons:
❌ Interface isn’t intuitive at first
❌ Manual entry required for many accounts
❌ No family sharing features
❌ Premium tier ($12.95/mo) needed for full features
❌ Smaller institution coverage than US-focused apps

Pricing: Free (2 accounts), $12.95/month or $99.95/year for Premium (unlimited accounts and full features)

Best For: People who want to project future net worth based on current patterns, or non-US users who need basic multi-currency support without family features

Our Take: PocketSmith’s forecasting is either brilliant or unnecessary depending on your mindset. If you’re a planner who loves projecting scenarios and seeing where you’ll be in 5 or 10 years, it’s fantastic. If you just want to know your current net worth, the extra complexity isn’t worth it. The limited multi-currency support is helpful but not as robust as Know Your Dosh.

5. Quicken Simplifi – Best Value for Money

Quicken Simplifi offers solid net worth tracking at just $5.99/month – one of the lowest paid subscription prices we found. It’s the budget option that doesn’t feel budget.

Simplifi is Quicken’s answer to modern cloud-based trackers. It’s less powerful than classic Quicken Desktop but way easier to use.

Pros:
✅ $5.99/month is genuinely affordable
✅ Clean interface, easy to use
✅ Good bank connection coverage
✅ Includes budgeting and cash flow projections
✅ Backed by Quicken’s decades of experience

Cons:
❌ No multi-currency support (US-only)
❌ No family sharing
❌ Limited investment analysis
❌ Mobile app occasionally buggy

Pricing: $5.99/month or $47.99/year

Best For: US individuals who want affordable, reliable net worth tracking without sacrificing usability

Our Take: Simplifi is the Goldilocks option – not too expensive, not too basic, just right. You’re paying less than what Monarch costs but getting 80% of the functionality. Perfect if you want a clean tracker that works without overthinking it.

6. Copilot Money – Best for iOS Users

Copilot Money is iOS-only and proud of it. It uses Apple’s design language, integrates with iOS features, and feels like it was built by Apple themselves. If you’re deep in the Apple ecosystem, Copilot is the most native-feeling finance app you’ll find.

Pros:
✅ Beautiful iOS-native design
✅ Best mobile experience of any tracker
✅ Smart AI categorisation that actually works
✅ Fast, responsive, polished
✅ Privacy-focused (data stored locally)

Cons:
❌ iOS only (no Android, no web app)
❌ $14.99/month is expensive
❌ No multi-currency support
❌ No family sharing
❌ Limited investment tracking vs Empower

Pricing: $14.99/month or $89.99/year

Best For: iPhone and iPad users who want the most polished mobile experience and don’t need multi-currency or family features

Our Take: Copilot is the app you’d show someone to demonstrate great iOS design. It’s fast, beautiful, and feels better to use than any competitor. But you’re paying premium prices for that polish, and you’re locked into iOS forever.

7. Google Sheets – Best Free DIY Option

The ultimate free option: build your own tracker in Google Sheets. Plenty of free templates are available online, or create your own from scratch. You won’t get automatic syncing, but you get complete control and zero cost.

Pros:
✅ Completely free
✅ Total customisation control
✅ Can share with family via Google Sheets
✅ Your data, your control, forever

Cons:
❌ Completely manual (no automatic syncing)
❌ Requires spreadsheet knowledge
❌ Easy to abandon when life gets busy
❌ Time-consuming to maintain

Pricing: Free

Best For: People who want zero cost, maximum privacy, complete control, and don’t mind manual entry monthly

Our Take: Spreadsheet tracking is free and flexible but requires discipline. Most people start strong and give up after three months. If you’re genuinely committed to updating it monthly, it works fine. If you know you’ll forget, spend $6/month on Simplifi instead.

Key Features to Consider

When choosing a net worth tracker, these features matter most:

Account Aggregation: The best trackers connect automatically to thousands of financial institutions. Empower supports 14,000+. Check if your specific banks are supported.

Multi-Currency Support: Critical for expats or international investors. Most apps DON’T support this – only Know Your Dosh handles it comprehensively, with PocketSmith offering limited support for major currencies.

Family Sharing: Can your spouse or partner see the same dashboard? Know Your Dosh and Monarch offer the strongest family collaboration features.

Investment Tracking: If investments are your primary wealth, Empower offers the best analysis for free. Others show balances but not detailed performance analytics.

Cash Flow Forecasting: If you want to project future net worth, PocketSmith is the only tracker with built-in forecasting tools.

Security: Bank-level encryption is standard. More important: does the app have read-only access (good) or can it move money (avoid)?

Multi-Currency & International Tracking

Here’s the frustrating reality: most net worth trackers are built for Americans tracking US accounts in US dollars. If you have accounts in multiple currencies, 8 out of 10 popular apps simply don’t work.

Empower doesn’t support multi-currency. Neither does Monarch, Simplifi, or Copilot. They’re excellent apps built for a single-currency world.

Apps with multi-currency support:

• Know Your Dosh – Designed for multi-currency families from the start, handles global assets naturally with comprehensive multi-currency support
• PocketSmith – Limited support for major currencies, good for basic international needs

If you have international accounts, multi-currency support isn’t optional – it’s essential. Your net worth genuinely changes as exchange rates fluctuate, and you need a tracker that handles that properly.

Family Wealth Tracking

Most finance apps were built for individuals. But families managing wealth together need something different.

Why families need shared tracking:

• Partners need visibility into complete household finances for major decisions
• Estate planning requires emergency access to financial information
• Multi-generational wealth benefits from transparency with permission controls
• Aging parents need adult children to help monitor finances

Best apps for families:

• Know Your Dosh – Purpose-built for family collaboration with granular permission controls
• Monarch Money – Strong family sharing features, good for couples
• Google Sheets – Can be shared but requires manual maintenance

Real use case: The Martinez family tracks their Miami home, London investment property, and retirement accounts across three currencies using Know Your Dosh. Both parents see everything. Their adult son has view-only access to help monitor finances as they age. When they eventually inherit, he’ll know exactly what exists and where to find it.

That’s impossible with most trackers.

Net Worth Tracker FAQs

What is the best free net worth tracker?

Empower is the clear winner for free tracking. You get comprehensive investment analysis, automatic account syncing, and detailed net worth charts without paying anything. The catch: it’s US-only, and you’ll see occasional prompts to use their paid advisory services. Know Your Dosh and PocketSmith offer limited free tiers if you need multi-currency support.

How often should I update my net worth?

Monthly is ideal. Weekly is overkill. Quarterly is minimum. Most automatic trackers update daily, but you should only review monthly to see meaningful trends. Net worth builds slowly – checking daily just stresses you out over normal market volatility.

What’s the difference between a net worth tracker and budgeting app?

Budgeting apps track daily transactions and categorise spending. Net worth trackers show your complete financial position across all assets and liabilities. You can budget without tracking net worth. You can track net worth without budgeting. Some apps do both.

Can I share my net worth tracker with my spouse or family?

Depends on the app. Know Your Dosh offers the most robust family sharing with permission controls. Monarch has strong features for couples. Empower, Simplifi, Copilot, and PocketSmith are designed for individual use and don’t really support family collaboration.

Do net worth trackers work with cryptocurrency?

Most don’t handle crypto well. You’ll need to add cryptocurrency manually to most trackers. Apps like Kubera (not in our top 7) specialise in crypto tracking if that’s a significant portion of your wealth.

Are net worth trackers worth paying for?

Free options like Empower are excellent for basic tracking. Pay for premium trackers when you need specific features free apps don’t offer: multi-currency support, family collaboration, cash flow forecasting, or significantly better user experience. Don’t pay for features you won’t use.

Conclusion: Which Net Worth Tracker Should You Choose?

Best free option: Empower. If you’re US-based and focused on investments, you won’t find better value than free.

Best premium experience: Monarch Money. If user experience matters and you’re willing to pay $15/month, Monarch delivers the cleanest interface.

Best for families and international wealth: Know Your Dosh. Purpose-built for family collaboration and multi-currency tracking. If you’re coordinating finances across family members or managing assets in multiple countries, it combines two essential features most apps don’t offer. The free tier lets you test before committing.

Best for forecasting: PocketSmith. If you want to project your financial future and see where you’ll be in 5 or 10 years, PocketSmith’s calendar-based forecasting is unique.

Best value: Quicken Simplifi. Solid tracking at $6/month. Not flashy, but reliable.

The right tracker depends entirely on your situation. Most people should start with Empower’s free tier. Upgrade to paid options only when you hit clear limitations – multi-currency needs, family coordination requirements, or forecasting features that free apps don’t handle.

The best tracker is the one you’ll actually use consistently. Choose based on your specific needs, not generic rankings. Start tracking your net worth today – the complete picture of your wealth is more important than which app you use to see it.

Ready to track family wealth across multiple currencies? Sign up for free tier to get started at Know Your Dosh or download the free app, with paid plans that scale as your financial complexity grows. Built specifically for families managing wealth together.