Best Net Worth Tracker Apps in 2026
TLDR
The best net worth tracker apps in 2026 are Thalvi (best for women investors), Kubera (broadest asset coverage), Empower (best free option), Monarch Money (best for multi-account households with budget context), and Tiller Money (best for spreadsheet-based custom tracking).
| App | Annual Cost | Asset Classes | Investment Analytics | Women-Focused |
|---|---|---|---|---|
| Thalvi | $99 | Investment + equity comp | Full | Yes |
| Kubera | $150 | All incl. crypto, RE, international | Full | No |
| Empower | Free | Investment + bank | Good (free) | No |
| Monarch Money | $99.99 | All account types | Balance only | No |
| Tiller Money | $79 | Any (manual build) | Self-built | No |
Thalvi
Investment-first net worth tracker designed for high-earning professional women. Aggregates brokerage accounts, 401(k)s, Roth IRAs, equity compensation, and manual assets. Built to answer 'how is my wealth growing?' rather than 'what did I spend?'
Pros
- ✓ Investment-depth architecture — not a budget app with a net worth sidebar
- ✓ Designed for high-earning women investors specifically
- ✓ Clean subscription: $99/year, no ads or advisory upsells
- ✓ Tracks equity compensation alongside standard investment accounts
Cons
- × No free tier
- × Newer product — actively developing
- × No crypto wallet connections (roadmap)
Pricing: $9/month or $99/year
Verdict: Best net worth tracker for women investors with standard US investment accounts and equity compensation. Investment-first design distinguishes it from budget apps.
Kubera
The broadest asset aggregation of any mainstream tracker. Connects every standard US account plus crypto wallets, real estate equity, international bank accounts, and private funds. Most complete net worth picture for complex portfolios.
Pros
- ✓ Most comprehensive asset class support available
- ✓ Real-time crypto wallet connections (not just exchange balances)
- ✓ Real estate equity via Zillow integration
- ✓ International accounts via SWIFT
- ✓ Beneficiary access for estate planning
Cons
- × Most expensive at $150/year
- × Functional but not polished interface
- × No spending or cash flow tracking
- × Primarily built for tech-wealthy demographic, not women specifically
Pricing: $150/year (individual), $225/year (family)
Verdict: Best net worth tracker for complex portfolios with alternative assets. The $150 price justifies itself when you have crypto, real estate, and international accounts alongside standard investments.
Empower
Free net worth dashboard from the company that manages over $1 trillion in retirement assets. Aggregates investment and bank accounts, shows portfolio allocation, and includes a retirement planning calculator. Funded by financial advisory upsells.
Pros
- ✓ Free — no subscription required
- ✓ Portfolio allocation visualization and fee analyzer
- ✓ Retirement readiness calculator with projections
- ✓ Connects all major US brokerage and retirement accounts
Cons
- × Persistent wealth management advisor solicitations
- × Advisory services cost 0.89% AUM — $4,450/year on a $500K portfolio
- × Interface hasn't been updated to match newer app design standards
- × No women-specific context
Pricing: Free dashboard; 0.89% AUM for managed services
Verdict: Best free net worth tracker. The advisor upsell model is the real cost — strong tools for users comfortable ignoring advisory solicitations.
Monarch Money
The dominant Mint replacement and best overall budgeting app. Net worth tracking aggregates all account types including investment accounts. Investment view is balance aggregation rather than analytics. Designed for couples managing household finances.
Pros
- ✓ Reliable sync and strong transaction categorization
- ✓ Net worth view includes all connected account types
- ✓ Couples-friendly collaborative access
- ✓ Strong product support and active development
Cons
- × Budget-first design — net worth is a sidebar, not the core product
- × Investment analytics limited to account balances
- × Couples framing doesn't fit solo investors
- × Reddit r/FIRE notes it's slower and less investment-focused than wealth trackers
Pricing: $99.99/year or $14.99/month
Verdict: Best for users who want household budget tracking plus a net worth view. Not the right choice when investment analytics are the primary need.
Tiller Money
A bank data feed that pipes transactions into Google Sheets or Excel. Pre-built net worth spreadsheet template included. The most customizable net worth tracking available — if you can build it in a spreadsheet, you can track it. But everything requires spreadsheet setup and maintenance.
Pros
- ✓ Unlimited customization — build any net worth analysis in spreadsheet
- ✓ Cheapest paid option at $79/year
- ✓ Works with both Google Sheets and Microsoft Excel
- ✓ Active community template library
Cons
- × Not an app — it's a data feed to a spreadsheet
- × No mobile-native experience
- × Requires spreadsheet comfort and ongoing maintenance
- × Investment analytics must be built manually
Pricing: $79/year
Verdict: Best for spreadsheet power users who want complete control over net worth analysis. Wrong for users who want a designed app experience.
Looking for something built for investors?
Thalvi is From $9/month — no budgeting required, all accounts in one view.
What Net Worth Tracking Actually Means
Net worth is assets minus liabilities. The calculation is simple. Getting an accurate, complete number is where apps differ significantly.
Most personal finance apps show a net worth number. The question is how complete that number is and whether the app helps you understand what drives it.
A balance aggregator shows you what your accounts are worth today. A net worth tracker shows you what your accounts are worth today, how that compares to last month and last year, what’s driving changes, and whether your trajectory is on track. These are different products that both use the label “net worth tracker.”
This comparison focuses on apps that provide substantive net worth analysis — not just balance aggregation with a subtraction function.
The Asset Coverage Problem
Most finance apps connect to standard US financial accounts: checking, savings, credit cards, major brokerage and retirement accounts. That covers the majority of most users’ net worth.
High earners often have more complex asset pictures: equity compensation from employers (RSUs, ESPPs, stock options), real estate equity, crypto positions, and potentially international accounts or private funds. Apps that miss those asset classes show an incomplete net worth that understates actual wealth.
Kubera has the broadest coverage — crypto wallets, Zillow real estate, international accounts, and manual entries for anything else. Thalvi handles standard US investment accounts and equity compensation. Empower covers standard US accounts well. Monarch and Tiller handle whatever you manually enter.
Investment Analytics vs. Balance Aggregation
The biggest differentiation among net worth trackers is the depth of investment analysis.
Balance aggregation: The app connects your Fidelity account and shows you a number. You know what the account is worth today.
Investment analytics: The app connects your Fidelity account and shows you the balance, the asset allocation (60% equity, 30% bonds, 10% international), the performance versus your target, and the fee drag from expensive funds. You know what the account is worth and whether it’s appropriately invested.
Empower and Thalvi provide investment analytics. Kubera shows account balances across the broadest asset classes. Monarch, Tiller, and most budget apps show balances.
The level you need depends on how actively you’re managing your investment portfolio. Passive index investors may find balance aggregation sufficient. Active investors and users with equity compensation need the analytics layer.
Reliability of Account Connections
All apps in this comparison use Plaid or similar bank aggregation services to connect to financial institutions. Connection reliability varies by institution.
Major banks (Chase, Bank of America, Wells Fargo) and major brokerages (Fidelity, Vanguard, Schwab, E*TRADE) connect reliably across all apps. Smaller institutions, credit unions, and specialty accounts (employee stock plan accounts at Computershare or Shareworks, for example) have variable connection reliability. Manual entry is the fallback for any account that won’t connect automatically.
The practical implication: test connections for all your specific accounts during trial periods before committing to a subscription.
Q&A
What is the best free net worth tracker?
Empower is the best free net worth tracker. It aggregates brokerage, retirement, and bank accounts, shows portfolio allocation, analyzes investment fees, and includes a retirement planning calculator — all at no cost. The trade-off is the advisor upsell model: regular prompts to engage with Empower's 0.89% AUM wealth management service. Users who find those solicitations tolerable get substantive free investment tracking.
Q&A
What is the best net worth tracker for high earners with complex portfolios?
For portfolios with multiple US investment accounts and equity compensation, Thalvi at $99/year provides investment-depth tracking designed for high-earning professionals. For portfolios with significant alternative assets — crypto, real estate equity, international accounts, private funds — Kubera at $150/year has the broadest asset coverage of any mainstream consumer app.
Q&A
What makes a good net worth tracker?
A good net worth tracker accurately aggregates all account types, updates account values automatically, provides investment visibility beyond just balances, and calculates net worth as a meaningful number that helps you understand your financial trajectory. Apps that show account balances alongside a net worth total are different from apps that provide investment analytics — both are technically net worth trackers, but they serve different levels of financial engagement.
See your full financial picture
What's the difference between a net worth tracker and a budgeting app?
How often do net worth tracker apps sync account data?
Can I track real estate equity in a net worth app?
Keep reading
Net Worth by Age: What the Averages Actually Mean
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How to Track Your Net Worth Across Multiple Accounts
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Kubera Alternative: Wealth Tracking Designed for Women Investors
Looking for a Kubera alternative? Thalvi offers the same multi-asset wealth aggregation at a lower price point, with women-specific design and educational context Kubera lacks.
Kubera vs Empower (2026): The Premium Wealth Tracker vs the Free Investment Dashboard
Kubera is the closest thing to a true wealth aggregator. Empower is the most popular free net worth tool. Both miss the same thing: they weren't built for high-earning women.