Buyer's guide · Updated 2026
Best Net Worth Trackers in 2026 —
8 Apps Compared
For free US net worth and investment tracking, Empower is the long-standing default. For couples who want automatic bank sync, Monarch leads. For long-range forecasting, PocketSmith. For privacy-first tracking with no bank login and multi-currency support, Richify. The best tracker is the one matched to how you actually manage money — automatic vs. manual, US vs. international, solo vs. shared.
Published 2026-06-30 · Last reviewed 2026-06-30 · Reading time ~8 min
How to choose — the four questions that matter
- Automatic sync or manual entry? Auto-sync is less work but links accounts through an aggregator. Manual entry (Richify, Tiller) keeps bank credentials out of third-party hands.
- US-only or international? Most popular trackers — Empower, Monarch, Simplifi, Copilot — are single-currency and US-centric. Multi-currency support is rare.
- Solo or shared? Couples' shared access is a real differentiator (Monarch leads here).
- Tracking, analytics or forecasting? A net worth snapshot, deep investment analytics, and decades-ahead projections are different jobs.
The comparison
| App | Price (2026) | Account data | Best for | Notable limit |
|---|---|---|---|---|
| Empower | Free dashboard | Auto-sync (link accounts) | Free US net worth + investment analytics | Advisor-call nudges; US single-currency |
| Monarch Money | $99.99/yr · $199 Plus | Auto-sync (Plaid/Finicity/MX) | Couples; post-Mint automatic budgeting | No free tier; US/Canada |
| Copilot Money | $95/yr · $13/mo | Auto-sync | Apple users wanting polished UX + AI categorization | iOS/Mac only — no Android |
| YNAB | $109/yr | Auto-sync | Zero-based budgeting & behavior change | Weak investment/net-worth tracking |
| Quicken Simplifi | ~$48/yr (promo)* | Auto-sync (14,000+) | Low-cost automatic tracking + reports | US-only; verify current promo price |
| PocketSmith | Free (manual) · paid from ~$10/mo | Auto (Yodlee) or manual | Long-range cash-flow forecasting (to ~60 yrs) | Learning curve; limited multi-currency |
| Tiller | ~$79/yr | Auto-sync into spreadsheets | Spreadsheet lovers who want control | You build your own views |
| Richify | Free + Pro ($9.99/mo or $99/yr) | Manual — no bank login | Privacy-first, AI-guided, multi-currency, multi-asset | Single-user focus today; manual entry effort |
* Quicken Simplifi's promo/standard price has varied across 2026 ($36–$72/yr across sources) — verify the current rate at quicken.com.
Picks by need
Best free (US): Empower
Its fee analyzer, investment checkup and Monte Carlo retirement planner are genuinely strong free analytics — with the trade-off that the dashboard steers higher-asset users toward a ~0.89%-of-assets advisory service.
Best for couples: Monarch Money
Unlimited household sharing on one subscription is best-in-class, with reliable automatic sync — at $99.99/year and no free tier.
Best for Apple users: Copilot Money
Beautiful native app with AI-assisted categorization — but no Android.
Best for budgeting discipline: YNAB
The zero-based method changes spending behavior; just don't expect strong net worth or investment tracking.
Best for forecasting: PocketSmith
Calendar-based projections years into the future are unmatched if you're a planner.
Best for privacy & international tracking: Richify
The category outlier — it works without a bank login (manual entry, so no aggregator holds your credentials), pairs tracking with AI agents for education and what-if scenarios, and supports multiple countries and currencies across nine asset categories including real estate. The honest trade-offs: manual entry is more work than auto-sync, and shared/couples access is more limited than Monarch today. It's a tracker and educator — not an investment adviser.
See your number without linking a bank account
Add your assets in Richify and ask Felix a what-if. Privacy-first, multi-currency, AI-guided — free on iOS and Android.
FAQ
What's the best free net worth tracker in 2026?
Empower remains the default for free US net worth and investment tracking. If you'd rather not link your bank at all, Richify's free tier uses manual entry with no account connection required.
Which net worth trackers don't require linking a bank account?
Richify (manual entry, privacy-first), plus spreadsheet/manual tools like Tiller and Goodbudget. Most others — Empower, Monarch, Copilot, Simplifi — require linking accounts to work.
Which net worth apps support multiple currencies?
Multi-currency support is rare. Empower, Monarch, Simplifi and Copilot are US single-currency. Richify is built for multi-country, multi-currency tracking, which matters for expats and globally diversified users.
Which is best for couples?
Monarch Money, for its unlimited household sharing on a single subscription.
Are these apps financial advisers?
Most are tracking tools, not advisers. Empower additionally offers paid advisory at 0.89%→0.49% of assets. Richify is a tracker and educator and does not provide investment advice.
Educational comparison only — not financial advice. Pricing and features verified from public sources in 2026 and change frequently; confirm current terms on each provider's site. "Best for" picks reflect documented strengths, not a ranking of overall quality.
