Best Personal Finance Apps for Tracking Net Worth Across All Accounts

Why Net Worth Tracking Matters

Your net worth—total assets minus total liabilities—is the single most honest number in personal finance. It cuts through the noise of monthly budgets and spending categories to tell you whether you're actually building wealth or just moving money around. The problem, historically, has been the math: logging into six different accounts, scribbling balances into a spreadsheet, and repeating the exercise every month until you eventually stop.

The best personal finance apps solve this by automating account aggregation. You link your checking, savings, brokerage, 401(k), credit cards, and loans once, and the app pulls balances automatically—giving you a real-time net worth snapshot without the manual upkeep. Some go further, adding investment analysis, cash-flow projections, or household collaboration features that a spreadsheet simply can't match.

We evaluated five leading apps on the criteria that matter most for net worth tracking: price, account aggregation breadth, household sharing, and whether the app prioritizes net worth and investing versus budgeting and spending. Here's what we found.

Our Picks at a Glance

1. Empower — Best Overall

Empower (formerly Personal Capital) is the app we'd recommend first to anyone whose primary goal is tracking net worth across all accounts. It's completely free, and it delivers investment-grade tools that paid competitors don't match: portfolio rebalancing advice, dividend tracking, and a fee analyzer for your investment accounts1.

The net worth dashboard aggregates every linked account—checking, savings, credit cards, loans, and investments—into a single view that updates automatically. You get asset allocation breakdowns, retirement planning calculators, and a retirement savings score, all without paying a cent1.

The trade-off is that Empower is investment-focused. Its budgeting and spending tools are functional but not as refined as dedicated budgeting apps. If your priority is day-to-day cash flow management, look elsewhere. But if you want a comprehensive, free net worth tracker with professional-grade investment analysis, Empower is the clear choice.

Verdict: The best free net worth tracker available, with investment tools that punch well above its $0 price tag.

2. Monarch Money — Best for Households & Collaboration

Monarch Money is the most polished all-in-one financial dashboard we evaluated. Its standout feature is unlimited household logins—you can invite a partner or family members to share the same financial view, making it the top pick for couples and families managing money together2.

The dashboard is highly customizable, letting you tailor what you see: net worth trends, cash flow, investment performance, and budget categories can all be arranged to your preference. Net worth tracking is a first-class feature, not an afterthought2.

At $14.99/month or $99/year, Monarch is a paid product2. That's a meaningful commitment, but it buys you an ad-free experience, ongoing feature development, and the kind of household collaboration that free apps don't offer. If you're splitting finances with a partner—or simply want the most customizable net worth dashboard available—Monarch justifies the cost.

Verdict: The best choice for households that want a shared, customizable financial dashboard with serious net worth tracking.

3. Simplifi by Quicken — Best Budget + Net Worth Combo

Simplifi by Quicken occupies the sweet spot between budgeting and net worth tracking. At $5.99/month, it's the most affordable paid option on our list3, and it delivers automated account tracking across linked accounts with a focus on real-time cash flow.

What sets Simplifi apart is its projected cash flow feature, which forecasts your account balances based on upcoming bills and income—helping you see not just where your net worth stands today, but where it's heading3. The personalized spending plan adapts as you spend, so your budget stays realistic rather than aspirational.

Simplifi also supports partner sharing, though not with the unlimited-collaborator model Monarch offers3. Its net worth tracking is solid but less investment-focused than Empower's. For users who want a capable budgeting tool that also keeps tabs on their overall financial picture without breaking the bank, Simplifi is the balanced middle ground.

Verdict: The best value for users who want capable budgeting and net worth tracking in one affordable app.

4. Rocket Money — Best for Subscription & Bill Management

Rocket Money takes a different angle on financial health: it specializes in finding savings. The app's core strength is subscription tracking and bill negotiation—it identifies recurring charges you may have forgotten about and can negotiate lower bills on your behalf4.

Net worth monitoring is included, giving you a view of your overall financial picture alongside the app's savings-focused tools4. The free tier covers basic subscription tracking, while the Premium tier ($4–$12/month) unlocks bill negotiation, advanced spending insights, and net worth features4.

Rocket Money isn't the deepest net worth tracker on this list. Its investment tools are minimal, and the dashboard is more spending-oriented than wealth-oriented. But if your goal is to plug leaks in your finances—unused subscriptions, overpriced bills—while keeping an eye on your net worth, Rocket Money is the right tool for the job.

Verdict: Best for users who want to cut wasted spending and negotiate bills while monitoring their net worth.

5. Tiller — Best for Spreadsheet Power Users

Tiller is the pick for people who look at a polished app dashboard and think, "I'd rather build my own." It feeds live financial data directly into Google Sheets or Microsoft Excel, automatically updating your spreadsheets with transactions and balances from all linked accounts5.

This means you get total customization. You can build a net worth tracker, a budget, a debt payoff calculator, or any combination—limited only by your spreadsheet skills. Tiller provides templates to get you started, but the real draw is the freedom to design exactly the views and calculations you want5.

At $79/year, Tiller is priced between Simplifi and Monarch5. It's ad-free and doesn't lock you into a proprietary app—if you ever cancel, your spreadsheets and historical data remain yours. The trade-off is that you're doing more of the work yourself; there's no polished mobile app dashboard waiting for you. For data-driven users who want full control over their net worth tracking, Tiller is unmatched.

Verdict: The best option for spreadsheet enthusiasts who want full control and zero app lock-in.

How to Choose

• Start free: If you've never tracked your net worth before, begin with Empower. It's free, comprehensive, and investment-focused—enough to get a clear picture without spending money to track money.
• Need household sharing? Monarch Money is the only pick that offers unlimited collaborator logins, making it the natural choice for couples and families.
• On a budget? Simplifi at $5.99/month gives you both budgeting and net worth tracking at the lowest paid price point.
• Want to cut spending? Rocket Money's subscription tracking and bill negotiation can pay for itself by finding savings you didn't know you had.
• Love spreadsheets? Tiller gives you automated data feeds with total customization—build your own perfect net worth dashboard.

Disclosure: We may earn a commission from links on this page, which helps support our independent testing and editorial work. Our recommendations are based on product features and value, not affiliate arrangements.

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