Best Free Net Worth Apps (2026)
Quick answer: Networo's free tier is the best free way to track net worth privately, unlimited assets, 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.Networo (free tier)
Free (Pro optional at $39/yr)Best for: free, private net-worth tracking with no bank login
- Unlimited assets + 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.Empower (Personal Capital)
FreeBest for: a completely free, bank-connected dashboard
- Entirely free
- Automatic account aggregation + investment analytics
- Requires bank login
- Expect wealth-management sales outreach
3.Spreadsheet (DIY)
FreeBest for: free, fully private DIY tracking
- Free + private + customizable
- No charts, history, or automation out of the box
- Tedious to maintain
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.
Frequently asked questions
What is the best free net worth app?
Networo's free tier is the best free option for private tracking, unlimited assets, full history, and a net-worth chart with no bank login. Empower is also free but requires linking accounts and upsells wealth management.
Is Networo free?
Yes, Networo has a generous free tier (unlimited assets, full value history, net-worth chart, and the percentile checker), with no bank login. Pro ($39/yr) adds the AI Coach, optional bank sync, and advanced planning.
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