The Best Apps to Track Your Net Worth (2026)

Your net worth is the one number that actually tells you where you stand: everything you own minus everything you owe, watched over time. Not your salary, not this morning's current-account balance, but the whole picture in a single figure. The catch is that assembling the whole picture is genuinely hard. Your money is spread across current accounts, savings, a pension or two, an ISA or a brokerage, perhaps some property, perhaps a little crypto, and more and more often across several currencies. And most apps that call themselves net worth trackers only ever handle part of that.

This guide compares the field by what each one is genuinely best for, and it starts from a simple bar. A real net worth tracker has to do six things at once, and almost none of them manage it. Most do one or two well and quietly drop the rest, which is exactly how people end up with a tidy dashboard that is also wrong.

One disclosure, made once and then set aside: we build Endute, one of the apps here. We have held every app, ours included, to the same six tests, and we have been specific about who each one is for and, just as usefully, who it is not.

What a Net Worth Tracker Actually Has to Do

The reason most net worth apps disappoint is that they do part of the job and present it as the whole. A tracker worth keeping has to clear all six of these at once. Hold the field up to the full list and the gaps show quickly, by each app's own facts.

• Aggregate everything. Every account, ideally through open banking: current accounts, savings, credit cards, loans, all of it in one place and updated automatically. Miss half your accounts and you have half a net worth, which is arguably worse than none, because it still looks complete.
• Investments with real returns, not just balances. This is the test most trackers fail. Showing the current value of your portfolio is easy. Showing your actual return, time-weighted and money-weighted, after every deposit and withdrawal, is the part that tells you whether the investing is working. An app can show your fund up nicely since you first bought in while your money-weighted return, which accounts for when you actually added the cash, tells a soberer story. Only the second is a number you can really trust, and a great many apps show a balance and stop there.
• Property netted against the mortgage. The house is usually the biggest line on the statement, and the number that matters is the equity, what you would keep once the mortgage is settled, not the headline value. The same logic applies to a car against its finance.
• Every currency, not just one. Hold euros and pounds at once, or move country and keep an old account open, and a single-currency tracker is no use. Real multi-currency support, with everything converted into one reporting currency, is rarer than you would expect, and it is where most of the field drops out.
• Privacy and a decent business model. If an app is free, something is paying for it. Sometimes that is a fair trade, like advice you are free to ignore. Sometimes it is your data, sold on to whoever wants it. Worth knowing which before you connect every account you own.
• The right platforms, at the right price. A native app on your phone if that is where you check, not only a website, and a price that matches how much you will actually use it. Free is not automatically better if it leaves half your situation uncovered.

Hold the field up to all six and most fall short on at least one, usually currency, real investment returns, or budgeting. The point of any of them is the same: one complete, honest figure you can watch change over time, not a flattering fraction of it. Here is how they actually stack up.

At a Glance: How They Compare

The table holds the whole field against those tests, plus budgeting, free-versus-paid and platforms. The pattern is visible at a glance: almost every row has a gap somewhere, usually in currency, real returns or budgeting. One row, and only one, carries a tick in every column; the others each trade something away. The detail, and the caveats a grid cannot carry, follow underneath.

Empower (Personal Capital): Best Free Tracker, for US Dollar-Only Investors

Empower, still widely known by its old name Personal Capital, is the default free net worth and investment dashboard in the United States. If you are American, you invest in dollars, and you want serious portfolio analytics for nothing, it is genuinely excellent. Every word of that qualifier matters, though, and the constraints come first, because they decide whether the rest is relevant to you at all.

Within its lane, the investment tools are the strongest free option here. Full holdings and asset allocation, a Fee Analyzer that surfaces what your funds quietly cost you, performance measured against the S&P 500, dividend tracking, and a retirement planner that runs thousands of Monte Carlo scenarios to test whether your savings will last. All of it free, on web, iOS and Android, with read-only connections and SOC 2 Type II certification.

The constraints are the whole story. Empower is US-only and dollar-only, with no multi-currency support of any kind, so it stops being an option the moment your money crosses a border. Its budgeting is a single monthly spending target rather than real per-category budgets. And the free price is collected another way: Empower makes its money from wealth-management upsell calls, so an adviser will be in touch after you register. It does not sell your data, but it is not the no-strings free ride it first appears to be.

Not for you if you hold more than one currency, live outside the United States, or want proper budgeting sitting alongside your net worth. If any of those describes you, the next few entries will fit better, so keep reading.

Monarch Money: Best for Single-Currency Households

Monarch is the most popular modern replacement for Mint, and it earns the all-in-one description, with one boundary that matters a great deal. It brings budgeting, net worth, investments, debt payoff and, since an April 2026 update, what-if forecasting into one well-made app on web, iOS and Android.

If you want a single paid app for both your day-to-day budgeting and your big-picture number, and your money sits in one currency, Monarch is a strong choice. The budgeting is proper and category-based, the net worth view is clean and clear, and it is a genuine pleasure to use week to week, which counts for a lot when you open it often.

But the all-in-one claim has a hard edge. Monarch has no multi-currency support at all, treating everything as a single home currency. That makes it the all-in-one for single-currency households specifically, not for anyone earning, spending or investing across borders, where flattening pounds, euros and dollars into one currency quietly produces the wrong numbers. Not for you if your money is multi-currency, in which case the all-in-one you actually want is a little further down this list. If you are weighing the two directly, our Monarch alternative comparison sets them side by side.

Kubera: Best Pure Asset Tracker, for Global Wealth (If You Skip Budgeting and a Phone App)

Kubera is the premium specialist for genuinely global, genuinely varied wealth, and it is the obvious comparison point for anyone who wants multi-currency net worth taken seriously.

It is properly multi-currency, and it tracks almost anything you can own: crypto across chains, exchanges and wallets, including DeFi positions and NFTs, alongside real estate, vehicles, precious metals and other alternative assets. Each holding carries its own internal rate of return and can be benchmarked against an index, and a Fast Forward feature projects your net worth into the future. Family and adviser sharing come included. For genuinely intricate, international wealth, nothing else here reaches as far into the obscure corners of what you own.

What it deliberately leaves out is the catch, and it is a big one. There is no budgeting and no transaction tracking at all; Kubera is a pure balance sheet, not a spending app. It is web-only, a progressive web app with no native iOS or Android apps. It is US-hosted, with no EU data-residency option. And it is premium-priced, running from around $150 a year at the entry level up to roughly $2,500 a year for the top tier.

Not for you if you want budgeting, spending tracking, or a real app on your phone sitting alongside all that asset tracking. Which is the natural place to introduce the one app on this list that does everything Kubera does, and then keeps going.

Endute: The Complete Picture, for Money That Spans Currencies, Assets or Borders

Endute is our app, and the disclosure from the top stands. Here is the case on the facts alone. Of every app compared here, it is the only one that clears all six tests at once, and the cleanest way to place it is against the two specialists either side of it. It does everything Kubera does, multi-currency net worth spanning crypto, property and alternative assets, and adds the things Kubera leaves out: real budgeting, native mobile apps, and full retirement planning. It does everything Empower analyses on the investment side, and adds the one thing Empower structurally cannot, more than a single currency.

In concrete terms: net worth across more than 150 currencies, each auto-converted into one reporting currency; investments valued daily with both time-weighted and money-weighted returns across a library of more than 250,000 securities; property and vehicles tracked at their real equity, netted against any linked loan; proper category budgeting; and a complete FIRE planning suite with Monte Carlo simulation and historical backtesting. It is privacy-first throughout, EU-hosted, with no ads and no data selling, and it runs as native iOS and Android apps, not only a web page.

The honest cons, stated plainly rather than buried. Endute is paid, with a 37-day trial and no free tier, so it is not the choice if free is your firm line.

Best for the growing number of people whose money is not simple, domestic and single-currency: expats and cross-border earners, multi-currency investors, anyone with property or assets in more than one place, and anyone who simply wants their net worth, real investment returns, property equity, budgeting and retirement plan living in one private app on their phone. If that is you, the comparison above has effectively been a process of elimination, and this is where it lands.

Finary: Best for European Investors (Dividends and Fees)

Finary is the European answer to Empower, built around investments for people who want to know exactly what their portfolio is doing. It is EU-hosted and multi-currency, and it is strongest on the numbers investors actually care about.

Dividend tracking and fee analysis are its standouts, the detail that tells you what your investing really yields and really costs. It supports multiple currencies, keeps a proper balance history, offers multi-factor authentication, and includes FIRE-style projections through a feature it calls Predict, with a free tier covering a couple of accounts.

It is lighter on day-to-day budgeting than a true all-rounder, and its centre of gravity is firmly European. Not the first pick if you are outside the EU, or if you want budgeting and net worth tightly woven together rather than an investment tracker with a net worth view attached.

PocketSmith: Best for Cash-Flow Forecasting (If You Skip Real Investment Tracking)

PocketSmith does one thing better than almost anyone: calendar-based cash-flow forecasting. If your real question is less what am I worth today and more what will my balances look like in eight months, it is the specialist worth knowing. It treats your finances as a calendar of future events rather than a snapshot of the present, which is a genuinely different and useful way to look at money.

It is multi-currency, and its forecasting, which projects your accounts forward day by day across a calendar, is best in class. You can model a pay rise, a new mortgage or a lean stretch of lower income and watch the effect ripple across months of projected balances, which is genuinely useful before a big decision.

The catch matters in a net worth context and is widely missed. PocketSmith does not do detailed investment tracking; investment accounts are recorded as balances only, with no holdings-level returns, and it points users towards a separate tool for that. So on the investment half of net worth it is weaker than its all-rounder reputation suggests. Not for you if real, time-weighted investment returns are part of the picture you need.

Copilot: Best for US Apple Users Who Stay in Dollars

Copilot is a beautifully designed tracker that Apple users tend to love, combining spending, investments and real estate in one of the slickest interfaces in the category.

Its limits are all about reach. It is Apple-only, with no Android app, US-focused and dollar-only with no multi-currency, it offers no CSV import, and it is not security-certified in the way some rivals here are. Inside an iPhone-and-Mac, dollars-only household it is a delight; step outside any of those and it narrows fast. Not for you if you use Android, hold more than one currency, or need to import a CSV.

How to Choose (by Who You Are)

Strip it back and the choice falls out of four questions: which country you are in, how many currencies you hold, whether you lead with budgeting or investing, and whether free is a hard line. The narrow cases have clean answers. The broad one points in a single direction.

• Simple, domestic, single-currency, and free is essential: Empower if you are in the US, or one of the limited free tiers elsewhere. You give up multi-currency and real budgeting, but you pay nothing.
• Global wealth and alternative assets, no need for budgeting or a phone app: Kubera. A powerful pure balance sheet for complicated, international holdings.
• European investor focused on dividends and fees: Finary. Investment-led and EU-hosted.
• Forecasting above everything else: PocketSmith. Unbeaten at projecting balances forward, if you do not need real investment returns.
• An Apple-only, US, dollars household: Copilot. The most polished option inside that ecosystem.
• Money that spans currencies, assets or borders, and you want it all in one private app on your phone or web: Endute. The only app here that does every part of that at once.

The narrow answers are easy, and there is no shame in taking one; if your finances are simple and domestic, a free single-currency tool will serve you well. The broad answer is the one that keeps recurring, because for most people whose money is not simple and domestic, the complete picture is the whole point, and only one app here delivers all of it. If you are still working out what a healthy figure even looks like for you, our guide to net worth by age is a useful yardstick.

How Endute Does It

If you are in that broad group, here is the short version of how Endute handles it, with the detail a click away. It pulls every account into one net worth figure across 150-plus currencies, values investments daily with time- and money-weighted returns, tracks property and vehicles at their real equity, folds in proper category budgeting, and runs full FIRE projections with Monte Carlo simulation, all EU-hosted with no ads and no data selling. The dedicated net worth tracker page goes into the detail, the personal finance app overview shows how budgeting and reports sit around it, and you can put it to the test on a 37-day free trial with no card required.

The Complete Picture Is the Point

The best net worth tracker is not the one with the longest feature list or the loudest brand. It is the one that sees your whole picture: every account, your investments with their real returns, your property net of the mortgage, and every currency your money sits in. Not seeing that clearly carries a real cost, not just the irritation of untidiness. If your money is simple, domestic and single-currency, the free US tools will serve you well, and there is nothing wrong with using one. But for the growing number of us whose money spans currencies, assets or borders, the complete picture is the entire point, and that is exactly what we built Endute for.

Net Worth Tracker FAQs

What is the best app to track net worth?

It depends on your situation, but the field splits cleanly. Empower is the best free option for US dollar-only investors, Kubera is best for global and alternative wealth, and Endute is best for multi-currency net worth with real investment returns, budgeting and FIRE planning in one place. The deciding factors are your country, your currencies, and whether you lead with budgeting or investing.

What is the best free net worth tracker?

In the United States, Empower (formerly Personal Capital) is the standout free option. Most fully featured trackers, and almost all the multi-currency ones, are paid, because a free app has to earn its money somewhere, through advertising, selling data, or upselling advice. Finary and PocketSmith offer limited free tiers worth a look, but a genuinely complete, multi-currency tracker is generally a paid product.

What is the best net worth tracker for multiple currencies?

Multi-currency support is rarer than you would expect. Endute, Finary, PocketSmith and Kubera all handle more than one currency, while Empower, Monarch and Copilot do not. Of the multi-currency options, Endute is the only one that also does budgeting, native mobile apps and FIRE planning, which is why it suits people whose whole financial life crosses borders.

Do net worth apps track property and investments too?

The good ones do. A proper tracker records property and nets it against the mortgage so you see your equity rather than the headline value, and it tracks investments with their real, time-weighted returns rather than only the current balance. Some apps show investment balances but not holdings-level returns, so it is worth checking that before you commit.

Is it safe to connect my accounts to a net worth app?

When the connection uses open banking, yes. Open banking is read-only, so the app can display your balances and transactions but cannot move your money, and you authorise it through your own bank rather than handing over a password. The point to check is the business model: if an app is free, find out whether it pays for itself by selling your data or steering you toward paid advice before you connect everything.

This article is for educational purposes only and does not constitute financial advice. We build Endute, one of the apps featured.