Buyer's guide · Updated 2026
Best Net Worth Tracking Apps in 2026 —
9 Trackers Compared
For free US net worth and investment tracking, Empower is the long-standing default.
Full verdict — couples, forecasting, privacy & international picks
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 2026-09-12 · 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 | ~$47.88/yr promo · $71.88 standard* | 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 | $99/yr | Auto-sync into spreadsheets | Spreadsheet lovers who want control | You build your own views |
| Kubera | $249/yr · Black $2,499/yr | Auto-sync + manual (crypto, real estate, vehicles) | Complex and alternative assets in one place | Annual billing only; the priciest mainstream option |
| 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 runs a near-permanent promotion; the standard renewal rate is higher, so verify the current figure at quicken.com. Prices checked August 2026.
Which net worth trackers are actually free in 2026?
Three of the eight have a genuinely free tier: Empower, PocketSmith and Richify. The other five — Monarch Money, Copilot Money, YNAB, Quicken Simplifi and Tiller — are subscription-only, and what they describe as “free” is a time-limited trial of 7 to 34 days. The distinction is worth holding onto, because roundups routinely list a 30-day trial in the same breath as a permanent free plan. Empower is the most capable free option and the fullest analytics for no money; PocketSmith’s free plan is real but capped; Richify’s free tier is the one that works without a bank login at all. The single genuine exception among the paid apps is YNAB, which is free for 12 months for students with a .edu address.
| App | Free tier or trial? | What you actually get | Cost after |
|---|---|---|---|
| Empower Personal Dashboard | Free tier | Permanent and full-featured: net worth, cash flow, budgeting, retirement planner, portfolio and fee analysis, debt and savings tracking. | Dashboard stays free. Optional advisory service costs 0.89%→0.49% of assets a year. |
| PocketSmith | Free tier | Permanent but limited — capped accounts and shorter forecast horizon, manual entry rather than bank feeds. | Foundation $9.99/mo · Flourish $16.66/mo · Fortune $26.66/mo for auto-sync and long-range forecasting. |
| Richify | Free tier | Permanent: manual multi-currency net worth across nine asset categories including real estate, with no bank login. | Pro $9.99/mo or $99/yr. |
| Monarch Money | Free trial only | 7-day trial, then a subscription is required. No permanent free plan. | Core $99.99/yr · Plus $199/yr. |
| Copilot Money | Free trial only | 30-day trial, then a subscription is required. No free-forever tier. | $13/mo or $95/yr. |
| YNAB | Free trial only | 34-day trial. Students with a .edu address get 12 months free — the one genuine free route. | $14.99/mo or $109/yr. |
| Quicken Simplifi | Free trial only | 7-day trial plus a 30-day money-back guarantee. No free tier. | ≈$47.88/yr promotional, $71.88/yr standard. |
| Tiller | Free trial only | 30-day trial, then a subscription is required. | $99/yr. |
| Kubera | Free trial only | 14-day trial, then annual billing only — there is no monthly plan and no free tier. | Essentials $249/yr · Kubera Black $2,499/yr. |
Free-tier status and pricing verified against public sources in August 2026. These change frequently — confirm with each provider before signing up.
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 complex & alternative assets: Kubera
If your net worth is spread across crypto wallets, multiple properties, vehicles and private holdings, Kubera consolidates more asset types than anything else here — at $249/year, annual-only, which makes it the most expensive mainstream option and hard to justify for a straightforward portfolio.
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 are the best free net worth tracking tools in 2026?
Only three of the eight trackers compared here have a genuinely free tier rather than a time-limited trial: Empower, PocketSmith and Richify. Empower Personal Dashboard is the most capable — permanently free and full-featured, covering net worth, cash flow, a retirement planner and portfolio and fee analysis, with the trade-off that it steers higher-asset users toward an advisory service costing 0.89% to 0.49% of assets a year. PocketSmith has a real free plan but caps accounts and forecast horizon. Richify's free tier is the one that works without a bank login at all, using manual entry across nine asset categories and multiple currencies. Monarch Money, Copilot Money, YNAB, Quicken Simplifi and Tiller are subscription-only; their free offers are trials of 7 to 34 days. The one exception is YNAB, which is free for 12 months for students with a .edu email address.
What's the difference between a free tier and a free trial?
A free tier is permanent — you can use the product indefinitely without paying, usually with limits on features or accounts. A free trial is time-limited, typically 7 to 34 days, after which the product stops working unless you subscribe. Most net worth tracker roundups list the two together under 'free', which is why apps like Monarch, Copilot, Tiller and Quicken Simplifi are often described as having free options when they do not. Among the eight apps compared here, Empower, PocketSmith and Richify have free tiers; the rest have trials only.
What's the best free net worth tracker if I don't want to link my bank?
Richify's free tier uses manual entry with no account connection required, so no aggregator holds your banking credentials. Spreadsheet-based tools like Tiller also keep you in control of the data, though Tiller itself is $99/year after a 30-day trial. Most other trackers — Empower, Monarch, Copilot and Simplifi — require linking accounts to function at all.
Which net worth trackers don't require linking a bank account?
Richify (manual entry, privacy-first), plus spreadsheet/manual tools like Tiller and Goodbudget. Kubera supports manual assets alongside its automatic connections. Most others — Empower, Monarch, Copilot, Simplifi — require linking accounts to work.
Is a net worth tracking app the same as a budgeting app?
They answer different questions and the distinction explains most disappointed reviews. A net worth tracker measures your balance sheet — what you own minus what you owe, tracked over time — so it cares about property, investments, pensions and debt balances. A budgeting app measures your income statement — where this month's money went — so it cares about transactions and categories. YNAB and Quicken Simplifi are budgeting-first and comparatively weak at net worth; Empower, Kubera and Richify are net-worth-first and comparatively light on budgeting; Monarch, Copilot and PocketSmith attempt both. If your goal is to watch a number grow over years, choose a tracker. If your goal is to stop overspending this month, choose a budgeting app. Buying the wrong category is the single most common complaint about all of these tools.
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.
What is the best net worth tracker for couples?
Monarch Money is the strongest all-round choice: unlimited household sharing is included in one subscription rather than charged per seat, both partners get their own login, and automatic bank sync means neither person has to maintain the numbers by hand. It costs $99.99/year on Core with no free tier, so a couple is paying from day one. The alternatives split by what you care about. Empower is free and lets you see combined balances, but it is built around a single login, so sharing means sharing one account. Tiller works well for couples who already collaborate in Google Sheets, since a spreadsheet is natively multi-user — you just build the views yourself, for $99/year. YNAB supports multiple devices on one subscription and is the best pick if the shared problem is spending behaviour rather than net worth. Kubera allows a shared household view across complex assets but at $249/year is hard to justify unless the portfolio is genuinely complicated. Richify is single-user focused today, so it is the weakest of these for a shared household, though it is the only one where neither partner has to hand over bank credentials. One practical point that decides this more often than features: if one partner will not log in regularly, an auto-sync tool like Monarch keeps working, while a manual tool quietly goes stale.
Which net worth tracking apps allow importing or connecting multiple bank accounts?
Empower, Monarch Money, Copilot Money, YNAB, Quicken Simplifi and Kubera all connect directly to bank, brokerage and card accounts and pull balances automatically, typically through aggregators such as Plaid, Finicity, MX or Yodlee. Quicken Simplifi advertises the widest institution coverage at 14,000+. PocketSmith can do either automatic feeds via Yodlee or manual entry, depending on plan. Tiller imports account data automatically but delivers it into a Google Sheet or Excel workbook rather than an app interface. Richify is the deliberate exception — it does not connect to banks at all, so nothing holds your login credentials, and you enter balances yourself. If importing historical data matters as much as live sync, Tiller and PocketSmith give you the most control over the raw records.
What is the best net worth tracking app in the UK?
Coverage is the constraint, not features: several of the biggest US trackers do not support UK banks at all. Empower and Quicken Simplifi are US-only, and Monarch's sync covers the US and Canada, so UK users generally cannot connect accounts to them. PocketSmith is a strong UK option because it was built in New Zealand for international use and supports UK feeds and multiple currencies. Tiller works anywhere you can get the data into a spreadsheet, though its automatic feeds are strongest in the US and Canada. Richify works in the UK because it is manual and multi-currency by design, so GBP alongside other currencies is handled natively and no UK bank connection is required. UK-specific budgeting apps such as Emma, Snoop and Cleo also exist and connect via UK Open Banking, but they are budgeting-first rather than net-worth-first. Two names that older roundups still list are gone: Money Dashboard closed its Neon and Classic apps on 31 October 2023, and Moneyhub switched its consumer app off on 31 July 2026 and handed users to WPS LifeStage. Check current coverage with the provider before subscribing — institution support changes often.
What is the best net worth tracker app in India?
None of the US-centric trackers here connect to Indian bank accounts, so the realistic choice in India is between manual multi-currency trackers and India-specific tools. Richify supports INR alongside other currencies and works without any bank connection, which sidesteps the aggregator-coverage problem entirely and suits anyone holding assets in both India and abroad. Spreadsheet approaches — Tiller if you want the scaffolding, or a plain sheet — remain common for the same reason. India-specific portfolio tools such as INDmoney, Kuvera and Zerodha's Console cover mutual funds, equities and EPF far better than any international tracker, but they are investment-account tools rather than complete net-worth pictures across property, gold and cash. Many people in India end up combining one of those with a manual net-worth tracker for the assets it cannot see.
What do people on Reddit recommend as a net worth tracker?
Threads in r/personalfinance, r/Fire and r/ynab converge on a small set, and the recommendations are consistent enough to be worth knowing. Quicken Simplifi and Monarch Money come up most often as the practical Mint replacements, usually on price and sync reliability. Empower is near-universally suggested as the free starting point, with the recurring caveat that users get advisory sales calls after signing up with significant assets. YNAB has the most committed following, but specifically for budgeting rather than net-worth tracking. A large minority insist a plain spreadsheet beats all of them, which is the impulse Tiller productises. Treat these as popularity rather than evidence: Reddit threads skew heavily American, so they say little about UK or India coverage, and older threads still recommend products whose pricing or ownership has since changed.
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.
