Best Personal Finance Apps for Tracking Net Worth

Why Net Worth Tracking Matters

Your net worth — the simple arithmetic of assets minus liabilities — is the single most honest number in personal finance. It doesn't care about your salary or your monthly budget; it tells you whether you're actually moving forward or just treading water. The best personal finance apps make that number visible automatically, pulling data from every account you hold and charting it over time so you can see the trend line, not just a one-off snapshot.

We looked at five apps that approach net worth tracking from different angles: a free aggregator built for the job, a collaborative household dashboard, a budgeting system that grows wealth from the ground up, an automated savings tool, and a robo-advisor. Here's how they compare.

> A quick note on how we work: some of the links below are affiliate links, which means we may earn a commission if you sign up — at no extra cost to you. We pick based on merit, not payout.

Our Picks at a Glance

1. Empower — Top Pick

If you want one app whose entire reason for existing is to show you your net worth, Empower is it. It's a comprehensive, free financial aggregator that links to virtually every account type — checking, savings, investments, retirement, credit cards, loans — and rolls them into a single net worth dashboard.1 There's no subscription, no premium tier to upsell you on. The app also throws in portfolio rebalancing advice and dividend tracking, which means it doubles as a lightweight investment check-up tool.1

The trade-off? Empower's business model leans on offering managed-account services, so expect occasional nudges toward their paid advisory product. But the core net worth tracking functionality is genuinely free and genuinely good. For most people who just want to see where they stand, that's enough to make it the top call.

Verdict: The most direct, no-cost way to see your full financial picture in one place.

2. Monarch Money — Best for Households

Monarch Money is the pick if you're managing money with a partner or family. Its standout feature is unlimited household logins — everyone gets their own view of a shared dashboard, so you can collaborate on budgets and goals without sharing a single password.2 Net worth tracking is built explicitly into the customizable dashboard, and you can tailor what each collaborator sees.2

At $14.99/month or $99/year, it's not free — but for households that need shared visibility, the collaboration features justify the cost in a way that solo-focused apps can't match.2 Think of it as the family-plan tier of personal finance.

Verdict: The best option when two or more people need to see the same financial picture.

3. YNAB — Best for Budget-Driven Net Worth Growth

YNAB (You Need A Budget) takes a different approach: rather than just showing you your net worth, it gives you a system for actively growing it. The core philosophy is "give every dollar a job" — every dollar of income gets assigned to a specific purpose, whether that's debt payoff, savings, or living expenses.3 Bank syncing keeps balances current in real time, and goal tracking lets you watch your progress toward specific milestones.3

YNAB won't give you the prettiest net worth chart, but it will change the behavior that moves the number. At roughly $14/month or $99/year, it's an investment in discipline.3 If you've tried passive tracking and found it didn't change anything, YNAB is the app that asks more of you — and gets more out of you.

Verdict: The pick for people who want to grow net worth, not just watch it.

4. Plum — Best for Automated Savings

Plum is the most hands-off option in this lineup. It's an AI-powered money manager that analyzes your spending patterns and automatically sets aside small amounts you won't miss — the kind of effortless saving that quietly rebuilds an emergency fund.4 Spending analytics help you see where money leaks out, and savings pockets let you organize different goals.4

The freemium model means you can start without paying, though advanced features sit behind paid tiers.4 Plum's net worth tracking is more about the savings side of the equation than full-portfolio aggregation, so it's best suited to people whose net worth growth is currently bottlenecked by a lack of saving rather than a lack of investing.

Verdict: The lowest-effort way to start building a savings cushion that grows your net worth.

5. Wealthfront — Best for Hands-Off Investing

Wealthfront isn't a net worth tracker in the traditional sense — it's a robo-advisor. But for people whose net worth is primarily invested, it tracks overall wealth growth through automated portfolios with a low 0.25% management fee.5 Tax-loss harvesting comes built in, which can improve after-tax returns, and the platform also offers hybrid DIY/robo options for users who want to trade individual stocks and ETFs alongside managed portfolios.5

If your net worth is concentrated in investments and you want that money working as efficiently as possible, Wealthfront gives you the growth engine. You'll still want a separate aggregator (like Empower) if you have accounts outside Wealthfront, but for the invested portion of your portfolio, it's a strong, low-fee choice.

Verdict: The best pick when your net worth is mostly invested and you want it managed automatically.

How We Compared Them

Free vs. paid. Empower and Plum's free tiers lower the barrier to entry, while Monarch, YNAB, and Wealthfront charge for their core value. The question is whether the paid features — collaboration, budgeting methodology, or investment management — are worth it for your situation.

Aggregation depth. Empower and Monarch pull from the widest range of account types, giving you the most complete net worth picture. YNAB focuses on cash flow. Plum focuses on savings. Wealthfront focuses on invested assets.

Household collaboration. Only Monarch offers unlimited household logins with shared dashboards.2 If you're tracking net worth as a couple or family, that's a decisive advantage.

Automation level. Plum and Wealthfront are the most hands-off — Plum automates saving, Wealthfront automates investing. YNAB is the most hands-on, requiring active engagement. Empower and Monarch sit in the middle: automated aggregation with manual decision-making.

Investment focus. Wealthfront is the only true investment management platform here. Empower offers portfolio advice but not management. The others are budgeting and savings tools that track net worth as a byproduct.

The Bottom Line

For most people, Empower is the starting point — it's free, it's purpose-built for net worth tracking, and it covers the widest range of accounts.1 If you're managing money with a partner, Monarch Money adds the collaboration layer that makes shared finances workable.2 If you need to change your financial behavior, YNAB gives you the framework.3 If you need saving to happen automatically, Plum does it quietly in the background.4 And if your net worth is mostly invested, Wealthfront keeps it growing with minimal oversight.

The best net worth tracker is the one you'll actually use — but the things actually worth buying are the ones that fit your financial life, not someone else's.

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