Best Free Net Worth Apps (2026)

Quick answer: Networo's free tier is the best free way to track net worth privately, unlimited accounts, full history, net-worth chart, and the percentile check, with no bank login. Empower is fully free but requires linking your accounts and upsells wealth management. A spreadsheet is free and private but has no automation. Ranked below.

1. 1.Networo (free tier)

   Free (Pro optional at $39/yr)

   Best for: free, private net-worth tracking with no bank login

   • Unlimited accounts + full timestamped history on the free tier
   • Net-worth trend chart + free percentile check
   • No bank login required

   • AI Coach, bank sync, and advanced planning are Pro-only

2. 2.Empower (Personal Capital)

   Free

   Best for: a completely free, bank-connected dashboard

   • Entirely free
   • Automatic account aggregation + investment analytics

   • Requires bank login
   • Expect wealth-management sales outreach

3. 3.Spreadsheet (DIY)

   Free

   Best for: free, fully private DIY tracking

   • Free + private + customizable

   • No charts, history, or automation out of the box
   • Tedious to maintain

Get Networo on your phone

The same account as the web. Works offline, locks with your face or fingerprint, and puts your net worth on your home screen. Scan the code with your phone's camera.

Competitor names are the property of their respective owners. Pricing and features are summarized in good faith and were last verified in August 2026. They may have changed since, so please check the current details on each provider’s own website before deciding.