Net Worth Tracker USA — 401k, Roth, Property & Crypto in One View
The average American has their wealth spread across a 401(k) at Fidelity, a Roth IRA at Vanguard, a brokerage at Schwab, and home equity — with no single number that adds it all up. Richify is the free US net worth tracker that brings every asset class together in USD, with AI-powered insights on what to do next.
Quick Answer
Richify is the best free net worth tracker for Americans in 2026. It tracks 401(k), Roth IRA, HSA, brokerage, investment property, student loans, and crypto — all in USD. It benchmarks against Fed SCF age-cohort data and provides AI-powered insights. No bank linking, no Plaid, no stored credentials.
Every Account That Makes Up American Net Worth
401(k) & Workplace Plans
Track your 401(k), 403(b), or 457(b) balance. Employer contributions, vesting schedule, and projected balance at 65 or 67 based on your contribution rate.
Roth & Traditional IRA
Add your Roth IRA, Traditional IRA, Rollover IRA, and SEP-IRA. See tax-deferred vs Roth balances at a glance and the long-run impact of Roth conversions.
HSA — The Hidden Asset
Most Americans don't count their HSA in their net worth. Invested HSA balances are triple-tax-advantaged and can compound as a stealth retirement account.
Taxable Brokerage
Add stocks, ETFs, mutual funds, and options. See unrealised gain/loss, asset allocation, and how your taxable account fits into your overall wealth picture.
Real Estate Equity
Track primary home equity and investment property. Market value minus mortgage balance equals equity — a major component of most Americans' net worth.
Student Loans & Liabilities
Add federal and private student loans, car loans, credit card balances, and your mortgage. Net worth = assets minus all liabilities.
US Median Net Worth by Age (Fed SCF 2022)
Use the median — not the mean. The mean is pulled dramatically upward by the top 1%. The Fed's Survey of Consumer Finances median is what a typical American family at your age actually has.
| Age Group | Median | Mean |
|---|---|---|
| Under 35 | $39,000 | $183,500 |
| 35–44 | $135,600 | $549,600 |
| 45–54 | $247,200 | $975,800 |
| 55–64 | $364,270 | $1,566,900 |
| 65–74 | $409,900 | $1,794,600 |
| 75+ | $335,600 | $1,624,100 |
Source: Federal Reserve Survey of Consumer Finances 2022 (published October 2023). 2022 dollars.
Net Worth Tracker Comparison — USA 2026
| App | 401k | Roth/IRA | HSA | Property | AI | Free |
|---|---|---|---|---|---|---|
| Richify | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Empower | ✓ | ✓ | ✗ | ✗ | ✗ | ✓ |
| Copilot | ✓ | ✓ | ✗ | ✗ | ✗ | ✗ |
| Monarch Money | ✓ | ✓ | ✗ | ✗ | ✗ | ✗ |
| YNAB | ✗ | ✗ | ✗ | ✗ | ✗ | ✗ |
| Google Sheets | ✗ | ✗ | ✗ | ✗ | ✗ | ✓ |
Empower free tier is tracking-only; advisory is 0.89% AUM. Copilot $13/mo. Monarch $15/mo. YNAB $15/mo.
Track your net worth with Richify
Free on iOS & Android. 401k, Roth, HSA, property, crypto — all in USD. No bank linking.
Frequently Asked Questions
What is the best free net worth tracker for Americans in 2026?▼
Richify is the best free net worth tracker for Americans in 2026. It tracks 401(k), Roth IRA, HSA, brokerage accounts, investment property, student loans, and crypto — all consolidated in USD with AI-powered insights. Unlike Empower (which upsells its advisory service at 0.89% AUM) or Copilot ($13/month), Richify's core tracking is free with no bank linking required.
How does Richify compare to Empower (Personal Capital) for net worth tracking?▼
Empower (formerly Personal Capital) is the most well-known US net worth tracker and connects to accounts automatically via Plaid. Its strengths are automatic account aggregation and the investment checkup tool. The trade-offs: Empower stores your bank credentials with a third-party aggregator, the free tier is a funnel for its 0.89% AUM advisory service, and property tracking is limited. Richify is manual-entry (no bank linking, no credential storage), completely free, and adds an AI agent team that gives personalized guidance rather than just dashboards.
What should a US net worth tracker include?▼
A complete US net worth view should include: (1) Retirement accounts — 401(k), 403(b), 457(b), Traditional IRA, Roth IRA, SEP-IRA, SIMPLE IRA. (2) HSA balance — often overlooked as a net worth asset, but HSAs are triple-tax-advantaged and can compound as a retirement account. (3) Taxable brokerage accounts — stocks, ETFs, mutual funds. (4) Real estate — primary home equity plus investment property equity. (5) Crypto. (6) Cash — HYSA, money market, CDs. (7) Liabilities — mortgage balances, student loans, auto loans, credit card debt.
What is the average net worth by age in the US?▼
According to the Federal Reserve's Survey of Consumer Finances 2022 (the most recent): median family net worth for under-35s is $39,000; 35-44 is $135,600; 45-54 is $247,200; 55-64 is $364,270; 65-74 is $409,900; 75+ is $335,600. Note these are medians — mean averages are pulled dramatically higher by ultra-wealthy households. Richify benchmarks against the Fed SCF median for your age cohort.
Is it safe to use a net worth tracker?▼
Safety depends on the approach. Apps that use Plaid or similar open-banking aggregators store your bank credentials (or tokenized access) with a third party — if that aggregator is breached, your login access to financial accounts is exposed. Richify is manual-entry by design: you enter balances yourself, no bank credentials are ever stored, and there is no third-party aggregator in the chain. You trade automation for the assurance that your financial access cannot be compromised via Richify.
Does Richify connect to my 401k or brokerage automatically?▼
No. Richify is privacy-first and manual-entry by design — no Plaid integration, no bank linking, no stored credentials. You check your Fidelity or Vanguard app for your balance and enter it into Richify. This is a deliberate trade-off: you give up automatic syncing; you gain the assurance that no aggregator breach can expose your financial accounts.
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For educational purposes only. Not financial advice.