Wealth Tracker USA — 401k, Brokerage, Real Estate & Crypto in One App
Most Americans have their wealth spread across a workplace 401(k), a Roth IRA, a taxable brokerage, home equity, and maybe crypto — but no single view of what it all adds up to. Richify is the free US wealth tracker that brings every asset class together in USD, in minutes.
Quick Answer
Richify is the best free wealth tracker app for Americans in 2026. It handles 401(k), Roth IRA, HSA, taxable brokerage, real estate, student loans, and crypto — consolidated in USD with AI-powered insights. No bank linking required.
Everything That Makes Up American Wealth
Retirement Accounts
401(k), Roth IRA, Traditional IRA, HSA, 403(b), SEP-IRA. For most Americans over 40, retirement accounts are the largest single asset class.
Taxable Brokerage
Stocks, ETFs, mutual funds, options. See your total invested wealth across Fidelity, Vanguard, Schwab, and any other custodian.
Real Estate Equity
Home equity and investment property equity. Market value minus outstanding mortgage = real estate wealth. Often 30-50% of US household net worth.
Crypto
Bitcoin, Ethereum, and altcoin holdings in USD. Included alongside traditional assets so you have a complete picture.
Cash & Fixed Income
HYSA, CDs, money market, I-Bonds. All liquid wealth consolidated alongside your invested assets.
Liabilities
Student loans, mortgage balance, auto loans, credit cards. Net worth = total assets minus total liabilities.
Why Americans Outgrow Spreadsheets
The most common American wealth tracker is a Google Sheet. r/personalfinance and countless finance influencers have popularised DIY spreadsheet templates — and they work great at first. But most people stop updating after a few months. The problem isn't discipline, it's friction.
Monthly manual grind
Log in to Fidelity, Vanguard, Schwab, Coinbase, Zillow, your bank — copy every balance into formulas. Most people do this 2-3 times then quit.
No benchmarks or insights
A spreadsheet shows your number. It can't tell you if you're ahead or behind for your age, what's dragging you down, or what to do about it.
Terrible on mobile
Google Sheets on a phone is painful. Richify is a native app — update your 401k balance in 20 seconds after checking your Fidelity account.
Wealth Tracker Apps — USA Comparison 2026
| App | 401k | Roth/IRA | HSA | Property | AI | Free |
|---|---|---|---|---|---|---|
| Richify | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Empower | ✓ | ✓ | ✗ | ✗ | ✗ | ✓ |
| Monarch Money | ✓ | ✓ | ✗ | ✗ | ✗ | ✗ |
| Copilot | ✓ | ✓ | ✗ | ✗ | ✗ | ✗ |
| PocketSmith | ✗ | ✗ | ✗ | ✗ | ✗ | ✗ |
| Google Sheets | ✗ | ✗ | ✗ | ✗ | ✗ | ✓ |
Empower free for tracking; advisory 0.89% AUM. Monarch $15/mo. Copilot $13/mo. PocketSmith from $10/mo.
See your total wealth in one view
Free. No bank linking required. Set up in 5 minutes.
Track My Wealth Free →Frequently Asked Questions
What is the best free wealth tracker app in the USA?▼
Richify is the best free wealth tracker for Americans in 2026. It tracks 401(k), Roth IRA, HSA, taxable brokerage, home equity, investment properties, student loans, and crypto — all in USD. Unlike Empower which upsells a paid advisory service, or Copilot which charges $13/month, Richify is free with no bank linking required.
Should I include my 401k in my wealth tracker?▼
Absolutely. For most Americans over 40, the 401(k) is the single largest asset — often representing 40-60% of total household wealth. A wealth tracker that omits your 401(k) gives you a dangerously incomplete picture. Richify lets you add your 401(k) balance manually and tracks its growth over time alongside your other assets.
What's wrong with tracking my wealth in a Google Sheet?▼
Nothing, at first. The problem is friction: a spreadsheet requires you to log into every account (Fidelity, Vanguard, your bank, Coinbase) and manually copy balances every month. Most people do this 2-3 times then stop. The second problem is insight: a spreadsheet shows what your wealth is, but can't tell you whether that's good for your age, what's dragging you down, or what to do next. Richify stores your structure permanently so updating is fast, and Felix (the AI agent) provides context a spreadsheet can't.
What is the average American wealth by age?▼
According to the Federal Reserve Survey of Consumer Finances 2022: median net worth for Americans under 35 is $39,000; 35-44 is $135,600; 45-54 is $247,200; 55-64 is $364,270; 65-74 is $409,900. Note that median is the right benchmark — mean averages are severely distorted by billionaires. Richify benchmarks your wealth against the Fed SCF median for your age group.
Do I need to link my bank account to use a wealth tracker?▼
Not with Richify. Most wealth trackers (Empower, Copilot, Monarch) require you to connect your bank and brokerage accounts via Plaid or a similar aggregator. Richify is manual-entry by design — you check your Fidelity app for your 401(k) balance and type it in. This is slower but means no bank credentials are ever stored or transmitted through a third party.
For educational purposes only. Not financial advice.