Short answer
Mostly linked accounts and you want it free: Empower. A household budget plus net worth over time: Monarch ($99.99 a year). Crypto, property and private assets across countries: Kubera ($250 a year). Net worth next to budgets and debts without linking a bank: Finman, free during its open beta. Full control at zero cost: a spreadsheet.
Prices and features below come from each vendor's own website, checked on 30 October 2026. Finman is our product; where another option fits better, we say so.
Five net worth trackers side by side
| Option | Price | Data in | Fits |
|---|---|---|---|
| Empower | Free tools | Linked accounts | Retirement-focused savers |
| Monarch | $14.99/mo or $99.99/yr | Linked accounts | Budget + net worth, couples |
| Kubera | $250/yr | Aggregators, web sync, manual | Crypto, property, private assets |
| Spreadsheet | $0 | You type it | Full control, few accounts |
| Finman | Free in open beta | Manual, CSV/OFX/QFX, monobank API | Net worth with budgets and debts, privacy |
What separates a good net worth tracker
Adding up balances is the easy part. The differences show in four places:
- Coverage. Can it hold everything you own — pension, brokerage, crypto, a house, a car, money a friend owes you — and everything you owe?
- History. Does it keep dated snapshots so you can see the trend, or only today's figure?
- Currencies. If you hold money in two currencies, does it convert to one base currency and tell you when a rate is missing?
- Privacy. Does it need bank logins through an aggregator, and what does the company do with your data?
The options
Empower Personal Dashboard free · linked accounts
Empower says its dashboard and financial tools are completely free; the tools include Net Worth, a Retirement Planner, Portfolio Analysis and Budgeting & Cash Flow. Its Personal Strategy advisory service is offered to people investing more than $250,000 with Empower, which is how the free tools are paid for. Source: Empower tools. See also Finman vs Empower.
Monarch $14.99/mo · $99.99/yr
Monarch connects bank accounts, credit cards, loans, real estate and investments and reports net worth over time alongside spending and cash flow. It runs on the web, iOS and Android and costs $14.99 a month or $99.99 a year, with the first week free. Sources: monarch.com, Monarch pricing. Compared in detail: Finman vs Monarch Money.
Kubera $250/yr · complex wealth
Kubera builds a balance sheet from banks and brokerages worldwide, crypto wallets and exchanges, private and alternative holdings, real estate, vehicles, gold and other valuables. Essentials is $250 a year, Black $2,500 a year, with a 14-day trial. Source: kubera.com.
A spreadsheet $0 · full control
One row per date, one column per account, a total row: assets minus liabilities. It costs nothing and keeps data on your device. The cost is time and discipline — every balance is typed by hand, currency conversion is on you, and the habit breaks easily. Our comparison: spreadsheet vs budgeting app.
Finman free in open beta · no bank login needed
Finman calculates net worth from account balances, investments, savings goals and manual assets (real estate, vehicles, crypto, precious metals, collectibles, a business), minus the remaining balance of your debts. Every amount is converted to your base currency; if a rate is missing, the app says which currency and marks the total as approximate. You save a snapshot (one per day) and read the history by month, quarter, year or all time.
Data comes from manual entry, CSV/OFX/QFX statement import (RBC, TD, Scotiabank, BMO, CIBC, Tangerine, Wealthsimple Cash, EQ Bank, Revolut, Wise) or the monobank API — no aggregator login. It is stored on Finman's own server, not sold, and the app runs no third-party advertising trackers. The net worth tracker is free during the open beta; after it, the Family plan ($19 a month) adds sharing for up to 5 members. More about Finman's net worth tracker.
Limits: no automatic bank sync for most banks and no automatic property valuation — you update those values yourself.
Your net worth, next to the budget that moves it
Add accounts, property and debts, save a snapshot, and watch the trend. Free during the open beta, no card.
Start tracking net worthBefore you choose: three checks
- List what you own and owe. If more than a fifth of it is property, crypto or private holdings, pick a tracker that handles manual assets well.
- Count your currencies. Two or more means you need conversion to a base currency.
- Decide on bank access. Aggregator sync saves time; manual and file import keep logins private. Both work if you update monthly — see how to track net worth over time.
New to the number itself? Start with what net worth is and how to calculate it, or run your figures through the net worth calculator.
Frequently asked questions
What is the best net worth tracker app?
It depends on your assets. Empower suits free tracking of linked accounts with retirement tools, Monarch suits couples and budgeters who also want net worth over time, Kubera suits complex wealth with crypto and alternatives, and Finman suits people who want net worth next to budgets and debts without linking a bank.
Is there a free net worth tracker?
Yes. Empower says its dashboard and tools are completely free, a spreadsheet costs nothing, and Finman is free during its open beta, with the net worth tracker included in its Free plan after the beta.
Which net worth tracker is the most private?
The most private options keep data off aggregators. A local spreadsheet stays on your device; Finman works from manual entries and file imports, stores data on its own server and does not sell it or run advertising trackers in the app.
How do net worth trackers value a house or a car?
Most use a value you enter and update yourself; some offer automatic estimates. Use a conservative market value, update it once or twice a year, and record the mortgage or loan at its full outstanding balance.
Can I track net worth in more than one currency?
Some apps can. Finman converts every account, investment and debt to your base currency and flags any amount it has no exchange rate for, so you know when the total is approximate.
Track net worth without linking your bank
Manual entry, statement import and multi-currency conversion in one web app for phone and desktop.
Get started free