Best Net Worth Tracker Apps (2026)

Quick answer: Networo is the best pick for private, manual-first net-worth tracking at low cost ($39/yr, no bank login). Empower is best if you want a free, bank-connected dashboard; Kubera for complex high-net-worth and crypto portfolios; Monarch if you also want full budgeting; ProjectionLab for FIRE/retirement modeling. Honest, ranked breakdown below.

1. 1.Networo

   Free tier · Pro $4.99/mo · $39/yr · $99 lifetime

   Best for: private, manual-first net-worth tracking at low cost

   • No bank login required, privacy by default
   • Generous free tier; Pro ~$39/yr
   • Timestamped value history + net-worth trend chart
   • Intelligence layer: AI Coach, FIRE/Monte Carlo, health score, percentile check

   • Manual entry by default (optional bank sync on Pro)
   • Not a budgeting/transaction tool by design

2. 2.Empower (Personal Capital)

   Free

   Best for: a free, bank-connected investment + net-worth dashboard

   • Free
   • Strong investment/portfolio analytics
   • Automatic bank sync

   • Requires linking bank accounts
   • Monetizes by funnelling you to paid wealth-management (sales calls)

3. 3.Kubera

   $249/yr

   Best for: complex high-net-worth portfolios with crypto/DeFi + alternatives

   • 20,000+ institution connections + best-in-class crypto/DeFi
   • Tracks real estate, metals, collectibles, private equity
   • Estate handoff feature

   • ~6× the price of Networo
   • Overkill for everyday tracking

4. 4.Monarch Money

   $99.99/yr (Plus $199/yr)

   Best for: an all-in-one budgeting + transaction suite with bank sync

   • Full transaction-level budgeting + cash-flow
   • Automatic bank sync + household sharing

   • Requires bank login
   • More than you need if you only want net worth
   • ~$100+/yr

5. 5.ProjectionLab

   $129/yr

   Best for: detailed FIRE / retirement scenario planning

   • Powerful financial-independence modeling
   • Rich scenario/what-if projections

   • Planning-focused, not day-to-day net-worth tracking
   • Steeper learning curve

6. 6.Spreadsheet (DIY)

   Free

   Best for: fully manual, fully private DIY tracking

   • Total control + privacy
   • Free and infinitely customizable

   • No history, charts, or intelligence unless you build them
   • Manual upkeep is tedious and error-prone

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.