Best Net Worth Tracker Apps in 2026 (Free and Paid)
The best net worth tracker depends on what your balance sheet is made of. If it is a brokerage account, a retirement plan, a bank account and a mortgage, Empower's free dashboard links all of it and charts the total. If a large share sits in crypto, private stock, fund commitments or property, Kubera at $250 a year is the only app on this list that tracks those with the same care as a brokerage balance. If the investment accounts are the part you want to understand rather than just total up, that is a portfolio tool's job, and Helm Terminal is the one I build. Prices below were checked against each vendor's own pages in September 2026.
Net worth is assets minus liabilities. Every tool here computes that. Where they differ is which assets they can see without you typing them in, how the numbers get refreshed, and what the app was built to do once it has the total. This post covers eight options across those three questions, plus one I left out because its price could not be verified.
Comparison table
| Tool | Aggregates | Sync method | Price (checked September 2026) | Built for |
|---|---|---|---|---|
| Empower Personal Dashboard | Bank, brokerage, IRA and 401(k), mortgages, loans, credit cards | Automatic account linking | Free | Net worth and retirement planning, attached to an advisory business |
| Kubera | Banks and brokerages worldwide, crypto and DeFi, private stock, LP positions, real estate, vehicles, physical assets | Automatic linking plus manual valuations | $250/year Essentials, $2,500/year Black, 14-day trial | Full balance sheet for complex wealth |
| Copilot Money | Bank, investments, crypto via Coinbase, home value by address | Automatic linking | $95/year ($7.92/mo billed yearly), 1-month trial | Design-first personal finance on Apple and web |
| Quicken Simplifi | Bank, investments with cost basis and quotes | Automatic linking, 14,000+ institutions | $3.99/mo introductory, $6.99/mo regular, billed annually | Budgeting and cash flow with a net worth roll-up |
| YNAB | Bank accounts, plus any account added as a tracking balance | Direct import for select US, Canadian, UK and EU banks, otherwise manual | $14.99/mo or $109/year, 34-day trial | Zero-based budgeting |
| Tiller | Bank and brokerage balances into a spreadsheet | Automatic feeds into Google Sheets or Excel | $99/year, 30-day trial | Spreadsheet owners who want the feeds automated |
| Google Sheets template | Anything you type in; listed tickers via GOOGLEFINANCE | Manual | Free | Zero-cost, total control |
| Helm Terminal | Brokerage and bank accounts, manual positions | Read-only Plaid linking or manual entry | Free tier; Pro $20/mo or $149/year | Portfolio intelligence on the investment accounts |
1. Empower Personal Dashboard
Price: free. Empower's tools page answers "what does it cost" with "Nothing! The dashboard experience and financial tools are completely free and take just a few minutes to set up."
What it aggregates: the same page lists "IRAs, 401(k) and other retirement plans, investments, mortgages, loans, savings and checking accounts, credit cards, and more." That is the widest free coverage of ordinary accounts on this list, and it includes the liability side, which many investment-first tools skip.
Sync method: automatic account linking. The page does not name the aggregator.
Built for: a net worth tracker and a retirement planner, both free, sitting in front of an advisory business. Empower's personal investors page states that Personal Strategy advisory services "are available when you invest $100,000 or more with us" and Private Client from $1,000,000, with fees "calculated based upon the amount of assets being managed."
What it lacks: crypto wallets, real estate valuation and manual asset entry are not mentioned on the tools page, so the dashboard is at its best when the balance sheet is made of linkable accounts. Investment accounts appear as balances and allocation rather than holdings-level risk. And the free dashboard exists to introduce the paid advisory service, which is the trade Empower is making. Our Empower alternatives post covers who tends to leave and where they go.
2. Kubera
Price: Kubera's site lists Essentials at $250/year and Black at $2,500/year, each with a 14-day trial. Black adds ownership tags, nested portfolios, guided onboarding and VIP support.
What it aggregates: "Thousands of banks and brokerages worldwide," stocks on "every major stock exchange in the US, Canada, UK, Europe, and Asia," crypto across "major blockchains, exchanges, and wallets" including DeFi, NFTs, staking and lending, LP positions with "committed capital, calls, distributions, and IRR," and real estate, vehicles, jewelry and watches under the line "If you can own it, Kubera can track it." Stablecoins count as cash.
Sync method: automatic linking for banks, brokerages and crypto, with manual valuations for private assets.
Built for: the full balance sheet of someone whose wealth does not fit in a brokerage account. Multi-currency, private stock and fund commitments are the reasons to pay $250 a year.
What it lacks: budgeting and cash flow are absent, and Kubera tracks the liquid portion without analyzing it. It reports what a brokerage account is worth, not single-name concentration after looking through ETFs or harvestable losses net of wash-sale windows. The Kubera alternatives post goes deeper on when the breadth is worth the price.
3. Copilot Money
Price: copilot.money lists $7.92 a month billed yearly at $95, with a one-month free trial and "No ads, no hidden fees." A monthly billing option exists but the monthly price is not printed on the pricing page.
What it aggregates: "All of your accounts, spending, and investments, automatically tracked," summarized on the homepage as "Stocks, crypto, your house." Crypto comes through a Coinbase connection. Home value works by address: "Type in your address. We'll track what your place is worth."
Sync method: automatic linking, with the option to "choose how manual you'd like it to be."
Built for: a daily personal finance app on iPhone, iPad, Mac and web, with spending categorization, budgets, subscription detection and a net worth screen.
What it lacks: Android. Investment tracking shows live performance for stocks and ETFs rather than allocation or risk analysis, and there is no private asset or LP support.
4. Quicken Simplifi
Price: the Simplifi product page prints "$3.99 $6.99 /month Billed annually," meaning $3.99 introductory and $6.99 regular, both billed as a year up front. No trial is mentioned on that page.
What it aggregates: "banking, investments & more" across "over 14k financial institutions." Investments get cost basis, performance analysis and real-time quotes.
Sync method: automatic linking.
Built for: budgeting, bills and savings goals with account balances rolled into a total. It is the cheapest paid app on this list.
What it lacks: the product page does not mention net worth by name, real estate or crypto. Investment accounts contribute a balance and basic performance rather than exposure analysis. Our net worth tracking guide explains why that distinction matters once most of the total sits in investments.
5. YNAB
Price: YNAB's pricing page lists $14.99 a month or $109 paid annually, which it works out to $9.08 a month, with a 34-day free trial and no credit card required when signing up directly.
What it aggregates: bank accounts by direct import, which "currently supports select US, Canadian, UK, and EU Banks." Any other account can be added as a tracking balance and updated by hand.
Sync method: direct import where supported, manual elsewhere.
Built for: zero-based budgeting. Every dollar gets a job, debt payoff and savings goals are tracked closely, and the net worth figure is a by-product of the accounts you add.
What it lacks: the pricing page does not mention investment tracking or net worth reporting at all. Investment accounts are balances, not holdings, so two portfolios of equal value read identically whether one is a single stock and the other is a diversified book. YNAB is the most expensive budgeting app here and the least investment-aware.
6. Tiller
Price: Tiller's pricing page states "After 30 days, Tiller is just $99/year, never any ads or hidden fees." The trial is 30 days.
What it aggregates: bank and brokerage balances and transactions, fed into a spreadsheet. The homepage describes the Foundation Template as tracking "budgets, expenses, debt, net worth, savings, and more," and quotes Morningstar on its "solid budgeting and net worth templates."
Sync method: automatic feeds into Google Sheets or Excel. You own the spreadsheet; Tiller fills it.
Built for: people who already run their finances in a spreadsheet and want the data entry automated without giving up the formulas. Net worth is one tab among several.
What it lacks: everything beyond the feed is yours to build. There is no app-level analysis, no real estate valuation feed and no crypto wallet connection mentioned. Brokerage feeds deliver balances into cells; holdings analysis is whatever you write.
7. Google Sheets template
Price: free.
What it aggregates: anything you type. One row per account, a balance column, a date column, assets positive and liabilities negative, summed to a total. For listed tickers, the GOOGLEFINANCE function pulls quotes so holdings reprice without retyping. It does not reach brokerage balances, retirement accounts or loans, so those stay manual.
Sync method: manual, monthly is the cadence most people sustain.
Built for: total control at zero cost. No third party sees the data, every category is yours, and adding a dated column each month turns the sheet into a chart.
What it lacks: the update discipline. Manual sheets stay accurate exactly as long as they get updated, and the how-to guide covers the template and its failure mode in detail.
8. Helm Terminal
I build Helm Terminal, so read this section with that in mind.
Price: free tier includes the portfolio dashboard, AI stock analysis on any US ticker, one monitored thesis and a general morning brief. Pro is $20 a month or $149 a year.
What it aggregates: brokerage and bank accounts linked read-only through Plaid, or positions entered manually. Helm reports net worth across linked accounts, allocation, single-name and sector concentration including look-through into ETF holdings, earnings exposure on positions held, and a harvestable-loss headline figure.
Sync method: Plaid, read-only. The connection cannot place trades or move money and can be revoked from the institution's side.
Built for: understanding the investment accounts rather than totaling them. Helm is a portfolio intelligence terminal, not a budgeting app, and the net worth figure is the starting point rather than the product.
What it lacks: budgets, bills, spending categorization and real estate valuation. If most of your net worth is a house, a mortgage and a checking account, Helm is the wrong tool and Empower or Simplifi fits better. Helm covers US-listed securities. It is not a registered investment adviser and nothing it reports is financial advice.
See your net worth and what sits under it
Link brokerage accounts read-only through Plaid and get allocation, concentration and earnings exposure on the free tier.
Open Helm freeOne tool left out: Monarch Money
Monarch is a widely used budgeting and net worth app, and it belongs in this comparison on features. It is not in the table because its price could not be verified from the vendor. As of September 2026, monarch.com/pricing prints a seven-day trial, a "Core" plan name and a 30% first-year promo code, and the only dollar figure on the page is a customer quote. Rather than guess at a number, Monarch is noted here as an option whose pricing was not verifiable on the day of checking.
How the eight sort themselves
By what they can see. Kubera sees the most: worldwide accounts, crypto, private holdings, property. Empower and Copilot cover ordinary linked accounts and, in Copilot's case, home value by address. Simplifi and YNAB are bank-first with investments as balances. Tiller and a Google Sheet see whatever the feed or your fingers put in the cells. Helm sees brokerage and bank accounts and goes deepest on the brokerage side.
By how they refresh. Six of the eight link accounts automatically. YNAB links select banks and leaves the rest manual. The Google Sheet is entirely manual, and GOOGLEFINANCE only reprices listed tickers you have already entered.
By what they do with the total. Budgeting apps (Simplifi, YNAB, Copilot) use net worth as a scoreboard next to spending. Balance sheet apps (Empower, Kubera, Tiller, the Sheet) make the total the product. Helm treats the investment accounts underneath the total as the thing to work on: concentration, earnings, harvestable losses.
Where workplace retirement plans fit
A 401(k) or 403(b) is often the largest single line on a household balance sheet and the hardest to link. Coverage depends on the plan's recordkeeper rather than the app, and some recordkeepers restrict third-party access entirely. Empower's tools page lists 401(k) plans among the accounts it connects. For the other apps, a plan that will not link goes in as a manual balance, which every tool here allows. The 401(k), IRA and brokerage in one place post walks through the linking problem account type by account type.
A note on safety
Token-based aggregators such as Plaid pass credentials to the institution, return a revocable read-only token, and do not hold the password. Read-only means no trades and no transfers. Where a vendor page does not name its aggregator, the mechanism is the open question before linking a brokerage.
Nothing in this post is financial advice. Prices and features were read from each vendor's own pages in September 2026 and can change without notice.
Related reading
Frequently asked questions
What is the best free net worth tracker?
Empower Personal Dashboard is the most complete free option: it links IRAs, 401(k)s, brokerage, mortgages, loans, bank accounts and credit cards, and its tools page states the dashboard is completely free. The trade-off is that Empower is an advisory business, with managed services from $100,000 invested, so the free dashboard is also a lead source. A Google Sheet is the other zero-cost route and holds anything, at the cost of typing balances in yourself.
What is the difference between a net worth tracker and a portfolio tracker?
A net worth tracker adds up every account and asset, including the house and the mortgage, and reports one total over time. A portfolio tracker looks only at the investment accounts and goes deeper into holdings, allocation and risk. Most budgeting apps sit in the first category and treat a brokerage account as a single balance. Tools built for investors sit in the second and usually ignore real estate and debt.
Do net worth tracker apps connect to brokerage and 401(k) accounts?
The apps that sync automatically use an aggregator such as Plaid or a comparable service to pull balances from banks and brokerages on a read-only basis. Coverage of workplace retirement plans depends on the plan's recordkeeper rather than the app, and some recordkeepers restrict third-party access. Every tool on this list also allows manual entry for accounts that cannot be linked.
Is it safe to link accounts to a net worth tracker?
The mechanism matters more than the brand. A token-based aggregator sends credentials to the institution, returns a revocable read-only token, and does not store the password with the app. Read-only access cannot place trades or move money, and the connection can be revoked from the institution's side. An app that asks for a brokerage password typed into its own form is doing something different.
How much does a net worth tracker cost?
Prices checked in September 2026 ran from free to $250 a year. Empower's dashboard and a Google Sheet cost nothing. Copilot Money is $95 a year, Tiller is $99 a year, Quicken Simplifi is $3.99 a month introductory billed annually, and YNAB is $109 a year or $14.99 a month. Kubera is $250 a year for Essentials. Helm Terminal has a free tier and a $20 a month or $149 a year Pro plan.
This content is for educational purposes only and does not constitute financial, tax, or investment advice. Consult a licensed professional before making financial decisions. Helm Terminal is not a registered investment advisor.