Best Net Worth Apps in 2025: 8 Tools I Actually Use

I check my net worth every Sunday morning. Coffee in hand, I open an app and watch the number update. It's become a ritual — one that's genuinely changed how I think about money.

But here's the thing: I've tried probably 15 different net worth apps over the past three years. Some were brilliant. Others made me want to throw my phone. The difference between a good net worth app and a bad one isn't just features — it's whether you'll actually use it consistently.

So I put together this comparison of the best net worth apps based on real, extended use. Not a weekend test. Months of tracking accounts, dealing with sync issues, and seeing which ones actually helped me grow my wealth.

What Makes a Good Net Worth Tracking App?

Before diving into specific apps, let's talk about what actually matters when tracking net worth:

Account aggregation — Can it connect to all your accounts? Banks, brokerages, crypto, real estate, that random 401k from your first job? The more manual entry required, the less likely you'll keep it updated.

Accuracy — Some apps have notorious syncing issues. Others double-count linked accounts. You need numbers you can trust.

Historical tracking — Seeing your net worth grow over time is motivating. Good apps show trends, not just snapshots.

Security — You're linking your entire financial life. Read-only access, bank-level encryption, and no credential storage are minimum requirements.

Usability — If the interface is confusing or ugly, you won't use it. Period.

Now, let's get into the apps.

1. Empower (Formerly Personal Capital) — Best Overall Free Option

Empower remains the gold standard for free net worth tracking. I've used it since 2019, and it's still my primary dashboard for seeing everything in one place.

What it does best: Account aggregation is excellent. I have 14 accounts linked — checking, savings, three credit cards, a Roth IRA, traditional IRA, HSA, brokerage account, and even my mortgage. Everything syncs automatically, usually within 24 hours of transactions posting.

The investment analysis tools are genuinely useful. The fee analyzer once showed me I was paying $847/year in hidden 401k fees. That insight alone made the app worthwhile.

Pricing: Completely free for net worth tracking. They make money by offering wealth management services for portfolios over $100k, but there's zero pressure to upgrade.

Who it's for: Anyone who wants comprehensive tracking without paying. Especially good if you have significant investments and want portfolio analysis.

Honest downsides: The app pushes their advisory services. Not aggressively, but you'll see prompts. Also, the mobile app can feel sluggish compared to competitors. And if you're into crypto, support is limited.

2. Monarch Money — Best Premium Experience

Monarch is what happens when you build a finance app in 2020 instead of 2010. It feels modern, works smoothly, and the collaborative features are unmatched.

What it does best: The interface is beautiful — and that matters more than you'd think. I actually enjoy opening Monarch, which means I check it more often. The net worth dashboard is clean and customizable. You can track goals, see projections, and the historical charts are genuinely insightful.

The household features stand out. My partner and I share a Monarch account, and we can both see our combined net worth while keeping some accounts private. That flexibility is rare.

Pricing: $14.99/month or $99/year. There's a 7-day free trial.

Who it's for: Couples, families, or anyone who wants a premium experience and doesn't mind paying for it. Also great if you're frustrated with clunky legacy apps.

Honest downsides: It's expensive compared to free alternatives. The investment analysis isn't as deep as Empower. And while account connections are generally reliable, I've had my Fidelity account disconnect three times in six months.

3. KlutterAI — Best for AI-Powered Insights

This is a newer player that takes a different approach. Instead of just showing you numbers, KlutterAI uses AI to actually analyze your financial picture and give recommendations.

What it does best: The AI auto-categorization is surprisingly accurate. When I connected my accounts, it correctly identified that my "AMZN" charges were split between business expenses and personal shopping — something other apps get wrong constantly.

The smart budget recommendations are interesting. Based on my spending patterns and net worth trajectory, it suggested specific changes that could accelerate my wealth building. Not generic advice — actual numbers based on my data.

Pricing: Free tier available with basic tracking. Pro starts at $4.99/month for advanced AI features.

Who it's for: People who want more than passive tracking. If you want an app that actively helps you improve your finances rather than just reporting them, this is worth trying.

Honest downsides: It's newer, so the institution coverage isn't as extensive as Empower or Mint's replacement. The AI suggestions can occasionally feel repetitive if you're already financially optimized. And if you just want simple tracking without recommendations, the AI features might feel like overkill.

If you're also looking to track day-to-day spending alongside net worth, check out our comparison of the best apps for tracking personal expenses.

4. Copilot — Best for Apple Users

Copilot is iOS-only, which limits its audience. But if you're in the Apple ecosystem, it's arguably the most polished net worth app available.

What it does best: The design is stunning — it genuinely looks like an Apple-made app. The net worth tracking integrates seamlessly with budgeting, so you see how your daily spending affects your overall wealth. The widgets are excellent; I have my net worth on my iPhone home screen.

Transaction categorization is accurate out of the box, and the manual override system is intuitive. I rarely need to fix categories.

Pricing: $10.99/month or $69.99/year after a free trial.

Who it's for: iPhone and iPad users who appreciate good design and want budgeting + net worth in one app. If you're looking to set up financial tracking on your tablet, our budget planner for iPad guide covers additional options.

Honest downsides: No Android or web version — that's a dealbreaker for many. The price is steep for what's essentially a single-platform app. And the investment tracking, while present, isn't as detailed as dedicated tools.

5. Kubera — Best for High Net Worth Individuals

Kubera targets a specific audience: people with complex financial situations. Multiple properties, international accounts, crypto, private investments, collectibles — it handles it all.

What it does best: The manual asset tracking is exceptional. I can add my estimated home value, my car, even my watch collection if I wanted to. It pulls real estate values from Zillow automatically and crypto prices in real-time.

The beneficiary and document storage features are unique. You can attach account passwords, insurance documents, and estate planning info. It's designed to be a complete financial picture that someone else could access if needed.

Pricing: $150/year. No monthly option.

Who it's for: People with net worth over $500k, complex asset portfolios, or anyone doing estate planning. Also great for tracking international accounts that US-centric apps miss.

Honest downsides: Expensive. The interface prioritizes comprehensiveness over simplicity, which can feel overwhelming. And the automatic bank connections aren't as reliable as competitors — I end up doing more manual entry than I'd like.

6. Quicken Simplifi — Best for Budgeting Integration

Simplifi is Quicken's modern, cloud-based offering. It combines net worth tracking with serious budgeting tools in a way that actually works.

What it does best: The spending plan feature is clever. Instead of rigid budget categories, it shows you what's left to spend after bills and savings goals. Your net worth dashboard sits alongside this, so you see how monthly decisions compound over time.

Account sync reliability is excellent — Quicken has decades of banking relationships, and it shows. My accounts rarely disconnect.

Pricing: $47.88/year (works out to about $4/month).

Who it's for: People who want budgeting and net worth tracking equally weighted. Good for those transitioning from traditional Quicken desktop software.

Honest downsides: The mobile app lags behind the web version in features. Investment tracking is basic compared to Empower. And the interface, while clean, can feel a bit corporate compared to newer apps like Monarch.

7. Tiller Money — Best for Spreadsheet Lovers

Tiller takes a completely different approach: it automatically pulls your transactions into Google Sheets or Excel. You build your own net worth tracker.

What it does best: Total customization. If you've ever been frustrated that an app doesn't calculate something the way you want, Tiller solves that. You control every formula, every chart, every category.

The templates are excellent starting points. Their net worth template took me about 20 minutes to customize, and now I have exactly the tracking system I want.

Pricing: $79/year after a 30-day free trial.

Who it's for: Spreadsheet enthusiasts. People who want complete control. Anyone frustrated by the limitations of pre-built apps.

Honest downsides: It requires effort. You need to be comfortable with spreadsheets. The automatic data pull sometimes has delays. And if your spreadsheet breaks, there's no customer support to fix your formulas.

For related spreadsheet approaches, our guide on budget flow charts shows how to visualize your money movement in similar ways.

8. PocketSmith — Best for Future Projections

PocketSmith's killer feature is its calendar-based forecasting. It projects your net worth into the future based on scheduled transactions and patterns.

What it does best: The "what if" scenarios are addictive. I can see what my net worth will be in 5 years if I increase my savings rate by $200/month. Or what happens if I buy a rental property next year. The projections feel grounded because they're based on actual transaction history.

The global bank support is also strong — it connects to institutions in over 20 countries.

Pricing: Free tier with manual entry only. Premium is $9.95/month, Super is $19.95/month for unlimited accounts.

Who it's for: Planners and optimizers. People who want to model financial decisions before making them. Expats or anyone with international accounts.

Honest downsides: The interface feels dated compared to newer apps. The free tier is basically useless for net worth tracking. And the premium pricing gets expensive if you need unlimited accounts.

How to Choose the Right Net Worth App

After testing all these, here's my framework:

If you want free and comprehensive: Empower. It's not the prettiest, but it works and costs nothing.

If you'll pay for quality: Monarch Money. The experience is worth the subscription if you value good design.

If you want AI-powered insights: KlutterAI. Particularly useful if you want active guidance, not just passive tracking.

If you're Apple-only: Copilot. Nothing else feels as native on iOS.

If you have complex finances: Kubera. It handles situations other apps can't.

If you love spreadsheets: Tiller Money. Maximum control, reasonable price.

If you're a planner: PocketSmith. The projections are genuinely useful for decision-making.

Frequently Asked Questions

What is the best free net worth app?

Empower (formerly Personal Capital) is the best free net worth app for most people. It offers comprehensive account aggregation, investment analysis, and historical tracking without any cost. The trade-off is occasional prompts for their paid advisory services, but these aren't intrusive. For more options, see our complete guide to free net worth trackers.

Are net worth apps safe to use?

Reputable net worth apps use bank-level 256-bit encryption and read-only access to your accounts. This means they can view your balances but can't move money. Apps like Empower, Monarch, and Copilot use Plaid or similar secure aggregation services. Always enable two-factor authentication and avoid apps that ask for your actual banking passwords.

How often should I check my net worth?

Weekly or monthly works well for most people. Checking daily can create anxiety around normal market fluctuations. I personally do a quick check every Sunday and a deeper review on the first of each month. The key is consistency — pick a frequency and stick with it so you can spot trends over time.

Can net worth apps track real estate and cars?

Yes, but capabilities vary. Kubera and Monarch handle manual assets well, automatically pulling home values from Zillow and allowing custom valuations for vehicles. Empower supports manual property entry but doesn't auto-update values. If real estate is a significant part of your portfolio, prioritize apps with strong manual asset features.

What's the difference between net worth apps and budgeting apps?

Net worth apps focus on your overall financial picture — assets minus liabilities over time. Budgeting apps focus on monthly cash flow — income versus expenses. Many apps now combine both, like Monarch Money and Copilot. If you only track one thing, net worth gives you the big picture while budgeting helps with day-to-day decisions. Ideally, use an app that does both well.

The Verdict

Tracking net worth changed my financial life more than any single budgeting technique. Seeing that number grow — even slowly — provides motivation that abstract savings goals never did.

My current setup: Empower as my primary dashboard (free, reliable), with KlutterAI for spending analysis and recommendations. This combination gives me both the comprehensive tracking and the actionable insights.

But honestly? The best net worth app is the one you'll actually use. Download two or three from this list, try them for a week each, and commit to whichever one feels right. The specific app matters less than the habit of tracking.

Start this Sunday. Make it a ritual. Your future self will thank you.