The short version
The best net worth tracker is the one that connects the accounts you actually have. Empower is free and covers investments and retirement. Monarch, Copilot and Origin show net worth inside a budget. Kubera is built for private holdings and other countries, Banktivity for Mac and iPhone, and Tiller for people who want it in a spreadsheet. Wonderful shows net worth for each of you and both, without investment analysis.
- 1
Empower Personal Dashboard: A free view of net worth, investments and retirement
- 2
Monarch Money: Net worth inside a full budget, for one or two
- 3
Copilot Money: Apple users who want a polished app
- 4
Origin: Couples who want net worth, investing and a household view
- 5
Kubera: Private holdings, other countries and many currencies
- 6
Banktivity: Mac and iPhone users who want a mortgage linked to a home
- 7
Wonderful: Couples who want net worth for each of you and both, next to a budget
- 8
Tiller: People who want their numbers in a spreadsheet they own
At a glance
| App | Best for | Price | Works on | Adding things by hand |
|---|---|---|---|---|
| Empower Personal Dashboard | A free view of net worth, investments and retirement | Free | iPhone, Android, Web | Not stated |
| Monarch Money | Net worth inside a full budget, for one or two | $14.99/mo or $99.99/yr | iPhone, Android, Web | Manual accounts for assets that aren't connected[2] |
| Copilot Money | Apple users who want a polished app | $13/mo or $95/yr | iPhone, Web, Mac | Manual accounts, such as a car, art or gold[4] |
| Origin | Couples who want net worth, investing and a household view | $99/yr; $1 the first year | iPhone, Android, Web, Mac | Not stated |
| Kubera | Private holdings, other countries and many currencies | $250/yr | iPhone, Android, Web | Yes, with full history[37] |
| Banktivity | Mac and iPhone users who want a mortgage linked to a home | $59.99/yr | iPhone, Mac | Real estate, vehicles, metals, crypto[39] |
| Wonderful | Couples who want net worth for each of you and both, next to a budget | $14.99/mo or $99/yr | Web | Not stated |
| Tiller | People who want their numbers in a spreadsheet they own | $99/yr | Web | It is a spreadsheet, so any row |
- Banktivity$59.99
- Copilot Money$95
- Origin$99
- Wonderful$99
- Tiller$99
- Monarch Money$99.99
- Kubera$250
No paid plan with a listed price: Empower Personal Dashboard.
The cheapest way to pay for a year on each app's own page. Empower's tools are free. Copilot's bar is its App Store yearly price ($95); its website shows $109. Origin is shown at $99 a year, after its $1 first year. Wonderful's price covers both partners.
What net worth is, and why an app helps
Investor.gov, the SEC's investor education site, describes it in three steps: list what you own, your assets; list what you owe, your liabilities or debts; then subtract the liabilities from the assets. If your assets are larger you have a positive net worth, and if your liabilities are larger a negative one. It suggests updating the statement every year.[1] That is the whole idea. Everything below is a way to keep the subtraction current without redoing it by hand.
The hard part is the list, not the math. A checking balance changes every day, a brokerage balance moves with the market, a house is worth what a buyer would pay, and a mortgage shrinks a little each month. An app that connects to your accounts does the first three kinds for you. The ones it can't reach, you add by hand or leave out, and what an app lets you add by hand is the biggest difference between these eight. If you want to understand where saving fits first, read the emergency fund guide.
How we compared
A net worth number is only as good as the accounts behind it. So we looked at:
- What connects on its own. Bank, card, loan, retirement and brokerage accounts, and which institutions.
- What you can add by hand. A house, a car, a private investment, gold, crypto in a wallet.
- The history. Whether there is a chart over time, and what the app says about it.
- What it costs. The cheapest way to pay for a year, and whether a free plan exists.
- Where it runs. iPhone, Android, Mac, the web.
- Whether two people can share it. A household view, and what each person sees.
Every fact comes from the app's own pricing, net worth and help pages, its App Store and Google Play listings and the reviews on them, read on October 27, 2026. Each one is numbered to its source at the end. Where an app's pages don't say, this page says so. Only net worth matters for this list, so apps whose strength is something else appear only where they track net worth well enough to be useful.
1. A free view of net worth, investments and retirement
Empower Personal Dashboard
Free· iPhone, Android, Web· App Store 4.8 (421,639)[10]
What it is
A free dashboard and app that links your bank, card, loan and investment accounts to show net worth, spending and retirement scenarios, paid for by Empower's advisory services.
Why it's on this list
Empower is the only app on this list whose tools cost nothing. Its net worth tool adds up your holdings, subtracts your debts, and shows the effect of paying down debt or saving more[8]. It also looks at what the others mostly skip: portfolio performance, risk level, and a fee analyzer for investment accounts.
The catch is how it earns its keep. The dashboard is free, and the company sells paid advisory services next to it.[6][10] Its pages also describe budgeting only as tracking daily spending.
Ideal for: People who want a free view of net worth, investments and retirement across many accounts, and who are open to advisor offers.
What it does
- Net worth: total holdings minus total debts, across accounts in one place, with the effect of paying down debt or saving more.[8]
- Retirement planner: compare retirement ages, see what goals such as college or travel need, and set up withdrawals.[9]
- Budgeting and cash flow: tracks daily spending and expenses; transactions are categorized automatically.[7]
- Portfolio analysis: performance, risk level and where your money is invested.[7]
- Fee Analyzer, to find hidden fees in investment accounts.[12]
Net worth and stability
Connects IRAs, 401(k)s and other retirement plans, investments, mortgages, loans, bank accounts and credit cards.[7] The App Store rating is high, 4.8 from 421,639 ratings, but it is one app that also serves people who only use it for a workplace retirement plan. Reviews in 2026 are mixed on the thing a net worth tracker most needs to be, steady: Many App Store reviews in 2026 report the app freezing, not loading, or failing at sign-in.[11] If your money is mostly in investment and retirement accounts and you want it free, it is the natural first try.
Good
- The dashboard and its tools are free.[7]
- Covers retirement and investment accounts, not just bank and card spending.[7][9]
- 4.8 stars on the App Store from 421,639 ratings, for the app that also serves retirement-plan users.[10]
- Includes a Fee Analyzer and a retirement planner that tests different retirement ages.[9][12]
Not so good
- Advisory services are paid for with a fee based on assets under management; the free tools are offered next to them.[6][7]
- The pages describe budgeting only as tracking daily spending; no envelope, zero-based or per-category plan is described.[7]
- Nothing on the pages opened describes a spouse, partner or joint view.[6][7][8][9]
- Its own pages give two different advisory minimums: $100,000 and more than $250,000.[6][7][9]
Pricing
- Personal Dashboard[7]Free"Nothing! The dashboard experience and financial tools are completely free."
- The dashboard and its financial tools are free. The high-yield cash account is described as having "no account fees, no minimums".[7]
“4 out of 5 stars because I have to constantly reconnect my other investment accounts. It’s very annoying.”Read it where it was said ↗
2. Net worth inside a full budget, for one or two
What it is
A paid budgeting and net worth app that pulls every account into one place and lets a partner join under the same subscription.
Why it's on this list
Monarch's net worth page lets you chart your net worth over time and says you can bring together bank accounts, real estate, investments, credit cards, loans and more, with property values from Zillow Zestimates.[2] It is a full budgeting app first, so the number sits next to your spending instead of in a separate place.
A partner joins under the same subscription at no extra cost, and both of you can see everything.[17][18]
Ideal for: One person or a couple who want net worth, budgets and investments in one paid app.
What it does
- Connects bank accounts, credit cards, loans, investment accounts and real estate, through 13,000+ financial institutions.[16]
- Tracks net worth across all connected accounts.[14][16]
- Sorts transactions automatically and searches across every account in one list.[14][16]
- Two ways to budget: Flex, which splits spending into fixed, flexible and non-monthly buckets and gives one main number to watch, or Category budgeting.[14][19]
- Rollovers: money left in a category carries into the next month, to cover bills that do not come every month.[19]
What counts toward the number
The page says net worth is the sum of the asset accounts you have connected, including cash, investments, vehicles and real estate, minus your liabilities such as credit cards and loans, and that you can add manual accounts for assets that aren't connected.[2] It also lists individual stocks, mutual funds, 401ks, ETFs and crypto among its investments.[2] Forecasting, several income sources and deeper investment tracking sit in the Plus tier. The App Store shows Plus at $199.99 a year; the pricing page lists no Plus price.[13][14]
Good
- A partner joins under the same subscription at no extra cost, with a separate login.[17][18]
- Two people can fund a shared goal even when their money sits in separate accounts.[18]
- Works on iPhone, iPad, Android and the web.[14][15][16]
- Rated 4.9 on the App Store (116K ratings) and 4.8 on Google Play (26.1K reviews).[14][15]
Not so good
- No free plan after the first week.[13][14]
- Paid monthly it is $14.99, which is $179.88 over twelve months, against $99.99 billed yearly.[13]
- Forecasting, several income sources and deeper investment tracking sit in the Plus tier. The App Store shows Plus at $199.99 a year; the pricing page lists no Plus price.[13][14]
- A partner sees all accounts and transactions. The couples page describes no way to keep one account private.[17][18]
Pricing
- Monthly[13][14]$14.99 a monthPricing page and App Store both show $14.99. The pricing page does not say which tier it is.
- Yearly[13][14]$99.99 a yearBilled yearly. The pricing page names two tiers, Core and Plus, but lists only these two prices.
- Yearly Plus[13][14]$199.99 a yearShown only as an in-app purchase on the App Store. The pricing page says Plus adds forecasting tools, tracking several income sources like a small business, and deeper investment tracking.
- The pricing page says "Your first week is on us." The App Store says the app is free to try for 7 days before a monthly or annual membership is billed. Neither says whether a card is needed.[13][14]
- No free plan is listed on the pricing page or the App Store. The only free access is the first week.[13][14]
“My wife loves being able to see every thing in one place. It took us 10 years to find this app. Thank you monarch!”Read it where it was said ↗
3. Apple users who want a polished app
Copilot Money
$13/mo or $95/yr· iPhone, Web, Mac· App Store 4.8 (31K)[27]
What it is
A paid budgeting and net worth app for Apple devices and the web, with an AI money assistant and one plan that does everything.
Why it's on this list
Copilot puts a net worth graph at the top of its Accounts tab and lets you change the timeframe. Credit cards and loans count toward the debt total; depository and investment accounts count toward the asset total; and you can exclude chosen accounts from the chart.[3]
It runs on iPhone, iPad, Mac and the web, with no Android app.[24][25][26]
Ideal for: Apple users who want a polished app and are happy to add a car or a collection by hand.
What it does
- Money Assistant: an AI you can ask about your money. The page says it "always asks before acting." It can fix transactions, run instructions in the background and flag spending trends with budget suggestions. The App Store says it is available only on iPhone.[24][27]
- Connects to 16,000+ US institutions through read-only integrations, with direct links for Venmo, Apple Card and Coinbase.[26][27]
- Sorts transactions automatically, and the assistant can change a category or match a refund to its purchase. You can set your own categories with colors and emojis.[24][27]
- Adaptive budgets that adjust to your spending.[27]
- Tracks spending, investments, net worth and subscriptions.[24][27]
Cars, art and gold
Copilot's help center says it does not currently support an auto valuation integration, so you create a manual cash account for the asset at its estimated value and update the balance as often as you like. The same works for art, jewelry and precious metals.[4] Two prices are in play: The website and the App Store show different prices: $18 a month or $109 a year (shown as $9 a month) on the site, $13.00 and $95.00 on the App Store.[25][27]
Good
Not so good
- No Android app. The pages list iPhone, iPad, Mac and web only.[24][25][26]
- Sharing with a partner is not live. Households are marked "Coming soon."[24][25][26]
- No free plan after the trial.[26]
- The website and the App Store show different prices: $18 a month or $109 a year (shown as $9 a month) on the site, $13.00 and $95.00 on the App Store.[25][27]
Pricing
- Website, monthly[25]$18 a monthBilled monthly. The pricing page calls it "One simple plan" (checked in a browser 10/27).
- Website, yearly[25]$109 a yearShown as $9 a month, billed yearly, "instead of $119", and labeled a limited time offer.
- App Store, monthly[27]$13 a monthListed as $13.00 on the App Store, which is not what the pricing page shows.
- App Store, yearly[27]$95 a yearListed as $95.00 on the App Store.
“I gave this App every chance, but Connections to Financial Institutions FAILED CONSTANTLY. I worked with Support… get a connection repaired, ONLY TO FAIL AGAIN WITHIN DAYS.”Read it where it was said ↗
4. Couples who want net worth, investing and a household view
Origin
$99/yr; $1 the first year· iPhone, Android, Web, Mac· App Store 4.6 (3,980)[33]
What it is
A subscription app for iPhone, Android, Mac and web that tracks spending and investments, has an AI advisor, and lets a partner join at no extra cost.
Why it's on this list
Origin shows net worth across checking, savings, investments, credit cards, loans and property[31], and for a couple it adds a combined household view of net worth, spending, budget and goals.[32]
A partner is included in the price. "Origin offers partner access so you can manage your finances together at no additional cost." One partner invites the other by email and each connects their own accounts.[30][32]
Ideal for: Couples who want net worth, investing and a household view under one flat fee.
What it does
- An AI advisor ("Ask Origin") that answers money questions using your connected accounts. Origin says there are "no usage limits on the AI Advisor".[29][30]
- Tracks spending, cash flow, subscriptions and bills, and builds budgets from your habits.[33]
- Automatic categorization of transactions; you can edit transactions and add new ones.[30]
- Connects accounts through Plaid, MX and Mastercard, and accepts CSV uploads.[30][31]
- Investing view: holdings, allocation and performance across connected brokerage and retirement accounts, plus Origin's own automated index portfolios.[31][33]
When connections reset the history
One thing matters more for net worth than for budgeting. A reviewer in October 2026 says that when a connection expires and you resync, the bank can reset an account's value, so it looks like you are up that day instead of keeping the account's history. Origin's pages describe Plaid, MX and Mastercard connections, and its listing carries many 2026 reviews on connections that expire.[34]
Good
- Partner access is included in the price.[30][32]
- Free DIY tax filing is part of the membership, including joint filing.[30][31]
- One flat fee: $99 a year after the first year, with no add-ons for tax filing or partner access.[30]
- Covers budgeting, investing, estate planning and an AI advisor in one app.[29][33]
Not so good
- No free plan or free trial on the pages opened; the first year is $1, then $99 a year.[30][31]
- Many 5-star App Store reviews in 2026 end with "Entered a sweepstakes for this review."[34]
- Origin's claim that its AI Advisor scored 98.3% on the CFP exam is its own marketing and was not checked.[30]
- App Store reviewers in 2026 report bank connections that expire or will not reconnect, and slow support.[34]
Pricing
- First year promotion[30][31]$1 a year"$1 for the first year." Per Origin's blog.
- Annual after year one[30]$99 a year"$99/year", a flat annual fee. Partner access and tax filing carry no add-on.
- Origin's blog says it offers no free trial, only the first-year price: "Try Origin for $1 for your first year." Whether a card is needed was not stated on the pages opened.[31]
- No free plan is described on the pages opened. The App Store listing is free to download, and 2026 reviewers say the app is unusable without a subscription.[33][34]
“When connections expire you have to resync your bank info which can reset your account value and make it look like you’re up “x” amount that day instead of keeping account history.”Read it where it was said ↗
5. Private holdings, other countries and many currencies
Kubera
$250/yr· iPhone, Android, Web
What it is
A net worth tracker built as a balance sheet, not a budget, for banks, brokerages, crypto, homes, private investments and other assets in any currency.
Why it's on this list
Kubera is the one app here that is only a net worth tracker. Its pages say "Kubera is a balance sheet, not a budget," and they list assets most apps never ask about: private company stock, fund positions with capital calls, DeFi, gold, art and domains, in any currency.[37]
It takes a snapshot every day from the day you start, so the history builds without you.[37]
Ideal for: People with private investments, accounts in other countries or trusts that bank-feed apps leave out.
What it does
- Connects banks and brokerages through several aggregators, with "Web Sync" for institutions that will not connect. You do not have to connect anything: "Plenty of people run Kubera entirely by hand."[37]
- Assets it lists: cash, brokerages and retirement accounts, crypto in exchanges, wallets and DeFi, homes, rentals and land, private company stock and fund positions, gold, cars, art, watches and domains.[37]
- Debts it lists: mortgages, HELOCs, margin, credit cards and private loans, tracked against the asset they sit on.[37]
- Homes are valued by address, cars by model and year and metals by weight; anything without a feed gets a manual value with full history.[37]
- A snapshot every day from the day you start, with the chart, growth as an annual rate next to the S&P 500, and a Recap of what moved.[37]
Investable versus total
Shows total net worth next to an "investable" figure that leaves out what you cannot sell quickly, such as the house you live in.[37] That is a useful second number if you own a house you live in. Its price is flat: $250 a year, whatever you own, and the page says there is no fee on assets.[37] It is built for one balance sheet with several owners, not for splitting a bill.
Good
6. Mac and iPhone users who want a mortgage linked to a home
Banktivity
$59.99/yr· iPhone, Mac· Trustpilot 2.8 (35)[40]
What it is
A money app that runs natively on Mac, iPhone and iPad, with net worth tracking, budgets, goals and investments.
Why it's on this list
Banktivity's net worth page says bank accounts, savings accounts and credit cards sync automatically, investment and retirement accounts contribute their current market value, and real estate, vehicles, metals and crypto can be added by hand.[39]
Its standout idea is linking a mortgage to its home, so you see net home equity and can expand to the gross value and loan balance.[39]
Ideal for: Mac and iPhone users who want a native app with net worth, budgets and investments.
What it does
- Bank accounts, savings accounts and credit cards sync automatically; investment and retirement accounts contribute their current market value.[39]
- Real estate, vehicles, precious metals and crypto "can be added and updated whenever their value changes."[39]
- A mortgage can be linked to its home, so collapsed you see net home equity and expanded the home value and the loan balance.[39]
- Accounts can be put in custom groups and subgroups, such as one Real Estate group for two homes.[39]
- "Banktivity does not automatically update vehicle values," so a car is revisited by hand.[39]
The plans decide what you can track
Bronze covers bank sync, budgets and goals; Silver adds real estate tracking and downloadable stock prices; Gold adds accounts in other currencies.[38] "Banktivity is not a web app": it runs on Mac, iPhone and iPad only, with no Android app.[38]
Good
Pricing
- Bronze[38]$59.99 a year$59.99 billed annually ($4.99 a month). Bank and card sync, budgets, debt payoff, emergency fund and goals.
- Silver[38]$79.99 a year$79.99 billed annually ($6.67 a month). Adds downloadable stock prices, goals tools and real estate tracking.
- Gold[38]$99.99 a year$99.99 billed annually ($8.33 a month). Adds accounts in different currencies and downloadable exchange rates and crypto prices.
7. Couples who want net worth for each of you and both, next to a budget
Wonderful
$14.99/mo or $99/yr· Web
What it is
A budgeting app for couples who keep their own money, and for one person: each of you connects your own bank, chooses what the other sees, and every paycheck gets a plan.
Why it's on this list
Net worth is not why most people pick Wonderful, so it sits seventh. It does show net worth for each of you and for both, from the balances your banks send, with its line over time.[43] Each person chooses, account by account, whether the other sees everything, only totals or nothing.[42]
What it doesn't do is analyze investments: it has no investment advice or portfolio analysis, and investments count toward net worth as balances.[43] If that is what you need, use Empower or Monarch.
Ideal for: Two people who keep their own accounts, want net worth for each of them and both, and want it next to the plan for every paycheck.
What it does
- Every paycheck gets a plan for bills, spending and saving before it lands.[43]
- Banks connect through Plaid and every charge is sorted into a category.[42][43]
- Mine, yours and ours: each charge counts for the person or the pair it belongs to.[43]
- Finds recurring charges and subscriptions, lists what's due before your next paycheck, and flags a bill that comes in higher than usual. It doesn't cancel them for you.[43]
- Texts you by iMessage when a bill is charged twice, a price goes up or a refund lands, and you can text it questions.[43]
- Savings goals show the month you'll reach them.[43]
- Net worth for each of you and for both, from the balances your banks send, with its line over time.[43]
- Life events like getting married come step by step, with the deadlines.[43]
Good
8. People who want their numbers in a spreadsheet they own
Tiller
$99/yr· Web
What it is
A service that sends your bank transactions into Google Sheets or Excel spreadsheets you own, with budget templates on top.
Why it's on this list
Tiller is not a net worth app. It sends your balances into Google Sheets or Excel every day, and its templates cover expenses, debt, net worth and savings.[44][46] You own the sheet, so you can add any row you like.
Ideal for: People comfortable in a spreadsheet who want the bank feed and want to keep the data themselves.
What it does
- Syncs bank accounts into private spreadsheets you own, with daily automation.[44]
- All transactions flow into one Transactions Sheet.[44]
- Works with both Google Sheets and Microsoft Excel.[46]
- AutoCat sorts transactions into categories, and you can set your own category rules.[44][46]
- The Foundation Template is an automated spreadsheet budget; other templates cover expenses, debt, net worth and savings.[44][46]
The net worth template
The Excel net worth template, made by a Tiller community member, reports your total assets and liabilities with a graph of trends over a period you can customize. It needs a free trial or an active subscription of Tiller to try.[5] The cost is one price, $99 a year after 30 days free.[45]
Good
Pricing
- Tiller[45]$99 a year"After 30 days, Tiller is just $99/year." The only plan listed; no monthly option shown.
“...I use Tiller Money to automate my various bank and credit card transactions directly into Google Sheets”Read it where it was said ↗
Which assets each one takes
This is the table most people want and no app puts in one place. It is what each app's own pages say, and where they are silent, we say so.
- Empower: Connects IRAs, 401(k)s and other retirement plans, investments, mortgages, loans, bank accounts and credit cards.[7]
- Monarch: Bank accounts, real estate, investments, credit cards and loans, with Zillow Zestimates for property and manual accounts for the rest.[2]
- Copilot: Depository, investment, loan and credit card accounts count toward the chart; a car, art, jewelry or gold is a manual account.[3][4]
- Origin: Net worth across checking, savings, investments, credit cards, loans and property.[31]
- Kubera: Assets it lists: cash, brokerages and retirement accounts, crypto in exchanges, wallets and DeFi, homes, rentals and land, private company stock and fund positions, gold, cars, art, watches and domains.[37]
- Banktivity: Real estate, vehicles, precious metals and crypto "can be added and updated whenever their value changes."[39]
- Wonderful: Net worth for each person and both, from the balances your banks send.[43]
- Tiller: Whatever your sheet holds; its net worth template totals assets and liabilities.[5]
Two things are worth knowing before you connect. First, the history. An app that keeps a daily snapshot from the day you start (Kubera says it does) draws a line that gets better with time; one that rebuilds the chart from balances can show a jump when a connection resets, as the Origin reviewer describes. Second, the parts of the number you set by hand are only as fresh as your last edit, and that applies to a car in Copilot as much as to a private stake in Kubera.
Reading the number once you have it
A net worth figure is most useful as a direction, not a score. One number on one day tells you little; the line over months tells you whether your decisions are working. Empower's net worth page says to use it to monitor your financial health, see the full picture of assets and liabilities, and see the impact of paying down debt or saving more.[8] That last use is the practical one: put an extra $200 a month toward a loan and the line bends upward over a year in a way a single balance never shows.
Three habits keep the number honest. Count a home at what it would sell for, not what you paid; Kubera's net worth page says exactly that for real estate, and Monarch can pull a property value from Zillow Zestimates.[37][2] Update the things you enter by hand on a date you pick, since Banktivity points out that vehicle values aren't updated automatically and a car loses value over time.[39] And look at the total beside a second figure: Kubera shows an "investable" number that leaves out what you can't sell quickly, such as the house you live in.[37]
Debts are half the equation. Copilot counts credit cards and loans toward the debt total in its chart, and Kubera tracks a debt against the asset it sits on.[3][37] A negative net worth is common early on, especially with student loans; Investor.gov says don't be discouraged by one, and that a financial plan will help turn it positive.[1] If paying down debt is the goal, the debt payoff calculator shows what an extra payment does.
Net worth for two
If there are two of you, the question is whether the number is yours, theirs or ours, and who sees what. The apps answer it differently. For the longer version of sharing and privacy, read the couples roundup.
- Monarch: Both partners see everything. The page says, "both parties will have full visibility into all accounts and transactions associated with it," and tells people to check they are comfortable with that first. The help center adds: "You cannot hide bank accounts or transactions in Monarch."[17][18][22]
- Origin: Both partners see a combined household view of net worth, spending by category, budget and goals. Individual accounts stay in each person's name and neither partner can move money in the other's accounts. The blog describes no way to share only some accounts.[32]
- Wonderful: Each person chooses, account by account, whether the other sees everything, only totals, or nothing.[42]
- Copilot: Households are marked "Coming soon" and partner invites "coming this fall" on the home and pricing pages. Once live, the pages say up to 3 people share one subscription at no extra cost with full access.[24][25]
- Kubera: The home page lists sharing portfolios with family, assistants, advisors and accountants. It does not say whether a partner pays separately.[36]
- Empower: The pages opened describe no spouse, partner or joint view.[6][7][8][9]
A couple who keep their money apart can still want a joint number. That is the case Wonderful is built for, and the guide to privacy in couples' finance apps explains what to ask any app before you invite a partner.
A no-app way
You don't need an app to know your net worth. It takes about fifteen minutes once, using the same steps Investor.gov describes.[1]
- Open a notes app or a spreadsheet and make two lists, one headed what I own and one headed what I owe.
- Under what you own, put checking and savings, retirement accounts, brokerage and crypto, your home at what it would sell for, and your car at what it would sell for.
- Under what you owe, put your mortgage, car loan, student loans, cards and any other loans.
- Add each list and subtract the second total from the first. That is your net worth.
- Date it, save a copy, and repeat on a day you pick, such as the first of each quarter.
Keep every copy in one place so you can compare. After two or three, you will know whether an app that does it for you is worth its price. For a first target to put the number to work, see saving for a house.
How to choose
Start with what you own, then your phone, then the price. If it is mostly bank, card and retirement accounts, almost any of these works.
Choose Empower Personal Dashboard if you:
- Want it free
- Hold investments and retirement accounts and want them analyzed
- Can live with a few reviews of crashes and reconnecting
Choose Monarch Money if you:
- Want net worth inside a full budget
- Have a partner and are both fine seeing everything
- Want property values from Zillow Zestimates
Choose Copilot Money if you:
- Use Apple devices
- Don't mind adding a car by hand
- Can live without partner sharing for now
Choose Origin if you:
- Want net worth and investing together
- Want a household view with a partner included
- Are ready to pay $99 a year after the first
Choose Kubera if you:
- Own private investments or accounts in other countries
- Want a balance sheet, not a budget
- Will pay $250 a year for it
Choose Banktivity if you:
- Use a Mac, iPhone or iPad only
- Want a mortgage linked to a home
- Want plans from $59.99 a year
Choose Wonderful if you:
- Keep your own money and want a net worth for each of you and both
- Want each person to choose what the other sees
- Don't need investment analysis
Choose Tiller if you:
- Like spreadsheets
- Want to own the data
- Want a net worth sheet you can change
Where Wonderful fits, and where it doesn't
We make Wonderful, and net worth is not why most people pick it. It is a budgeting app for couples who keep their own money: each of you connects your own bank, chooses what the other sees, and every paycheck gets a plan. Net worth for each of you and both is part of that.
If you want it analyzed, Wonderful is the wrong tool. It has no investment advice or portfolio analysis, and investments count as balances. Empower is free and looks at performance and fees. Monarch is a fuller budgeting app that tracks investments. If you own private holdings or accounts abroad, Kubera is built for them. If you want the number beside a plan for each paycheck and a split of shared bills, and you are a couple, that is where Wonderful fits. See also Wonderful vs Monarch.
Questions people ask
What is the best net worth tracker?
It depends on what you own. If it is bank, card, loan and retirement accounts, a budgeting app that shows net worth covers it: Monarch, Copilot or Origin, or Empower if you want it free. If it includes private investments, other countries or several currencies, Kubera says it is built for that. If you would rather have a spreadsheet, Tiller sends your balances into one.
What is the best net worth tracking app?
Check three things in this order: which accounts connect on their own, whether you can add a house, car or private holding by hand, and which phone you use. Banktivity runs on Mac, iPhone and iPad only. Copilot has no Android app. Monarch, Origin, Empower and Kubera have iPhone and Android apps.
Is there a free net worth tracker?
Empower is the free one: its tools page says "Nothing! The dashboard experience and financial tools are completely free," and the company earns money from paid advisory services. The others here charge after a trial, from a week (Monarch) to 30 days (Banktivity, Tiller). A spreadsheet that follows the steps above costs nothing but time.
What is the best free net worth tracker?
Of the apps here, Empower is the only one with a free plan. Reviewers in 2026 report it freezing, not loading and needing accounts reconnected, so connect one account first and see how it behaves. One August 2026 reviewer says a bank account has to be linked to use the app, even if you only want your 401(k).
How do I calculate my net worth?
Investor.gov says to list what you own as assets, list what you owe as liabilities, and subtract the liabilities from the assets. If assets are larger you have a positive net worth, and if liabilities are larger a negative one. It suggests updating the statement every year; most of the apps here update it every day.
Can a net worth tracker include my house, car or crypto?
Yes, in most of them. Monarch can sync property values from Zillow Zestimates and lists vehicles and crypto. Copilot has no car valuation, so you add the car as a manual account and update it yourself. Kubera values homes by address and cars by model and year. Banktivity lets you add real estate, vehicles, metals and crypto by hand, with real estate from its $79.99-a-year Silver plan.
Should I use a net worth app or a spreadsheet?
An app updates balances for you and draws the chart. A spreadsheet is free and you control every row, but you type the numbers in. Tiller sits between the two: it sends your daily balances into Google Sheets or Excel, and its net worth template charts total assets and liabilities over a period you choose, for $99 a year.
What is the best net worth tracker for couples?
Origin and Monarch both include a partner at no extra cost and show a household view. Monarch's couples page says both people see every account; Origin's blog says each partner connects their own accounts and both see household net worth. Wonderful shows net worth for each of you and for both, and lets each person choose what the other sees.
Do net worth trackers count my 401(k)?
Empower, Monarch, Origin and Kubera list retirement or investment accounts among what they connect, and Banktivity says investment and retirement accounts contribute their current market value. Copilot's help center counts investment accounts toward the asset total. A 401(k) held at a provider the app cannot connect to has to be entered by hand, where the app allows it.
How often should I check my net worth?
Investor.gov suggests updating a net worth statement every year. An app that updates every day does not need you to check that often; looking once a month or once a quarter is enough to see the direction without reacting to a bad week in the market.
Sources
47 sources · read October 27, 2026
Every number on this page comes from investor.gov, monarch.com, help.copilot.money and 14 more. If a source has changed since, the source is right.
- 1Investor.gov, Figure Out Your Financesinvestor.gov
- 2Monarch, Net Worthmonarch.com
- 3Copilot help, Accounts tab overviewhelp.copilot.money
- 4Copilot help, Tracking your car and other physical assetshelp.copilot.money
- 5Tiller, Net Worth template for Microsoft Exceltillerhq.com
- 6Empower home pageempower.com
- 7Empower tools pageempower.com
- 8Empower net worth toolempower.com
- 9Empower retirement plannerempower.com
- 10App Store listing, Empowerapps.apple.com
- 11App Store reviews, Empowerapps.apple.com
- 12Empower free tools pageempower.com
- 13Monarch pricingmonarch.com
- 14Monarch on the App Storeapps.apple.com
- 15Monarch on Google Playplay.google.com
- 16Monarch home pagemonarch.com
- 17Monarch for couplesmonarch.com
- 18Monarch collaborationmonarch.com
- 19Monarch budgetingmonarch.com
- 20Monarch planningmonarch.com
- 21Apple public review feed for Monarchitunes.apple.com
- 22Monarch help: Monarch for Couples and Householdshelp.monarch.com
- 23Trustpilot, www.monarchmoney.comtrustpilot.com
- 24Copilot Money homecopilot.money
- 25Copilot Money pricingcopilot.money
- 26Copilot Money FAQcopilot.money
- 27Copilot on the App Storeapps.apple.com
- 28Apple public review feed for Copilotitunes.apple.com
- 29Origin home pageuseorigin.com
- 30Origin blog: Why Origin is the best personal finance app in 2026useorigin.com
- 31Origin blog: Why Origin is the best all-in-one AI finance appuseorigin.com
- 32Origin blog: Finance apps that let you add a partner in 2026useorigin.com
- 33App Store listing, Origin: AI Budget and Trackapps.apple.com
- 34App Store reviews, Originapps.apple.com
- 35Origin legal pageuseorigin.com
- 36Kubera home pagekubera.com
- 37Kubera, Net Worth Trackerkubera.com
- 38Banktivity plansbanktivity.com
- 39Banktivity, Net Worth Trackingbanktivity.com
- 40Trustpilot, banktivity.comtrustpilot.com
- 41Wonderful terms of servicewonderful.money
- 42Wonderful privacy policywonderful.money
- 43Wonderfulwonderful.money
- 44Tiller hometiller.com
- 45Tiller pricingtiller.com
- 46Tiller featurestiller.com
- 47Hacker News search for Tiller Money commentshn.algolia.com
App names are trademarks of their owners; Wonderful isn't connected with them. Wonderful gives general information. It isn't a financial or tax advisor.