Blog

Best Net Worth Tracking Apps in 2026: An Honest Comparison

Updated October 5, 2026

If you are trying to grow wealth — not just categorize last week’s coffee runs — you need a clear picture of assets minus liabilities, over time. That is what a net worth tracker is for.

This list is an honest comparison of five widely used tools in 2026. We ranked them using the same criteria for everyone: social proof (App Store US rating volume where a live listing exists), platforms, price, net-worth fit vs budgeting, and bank sync.

We do not put our own product in this ranking. FiWorth is covered separately at the end — as the reason we built an alternative, not as a self-awarded #1.

Prices and ratings verified July 22, 2026. Always double-check the vendor’s site or App Store before you subscribe.

Quick comparison

*Empower’s consumer tools are free; monetization is largely advisory / wealth-management cross-sell.

1. Empower — best free net worth dashboard

Best for: US households that want a full net worth and investment picture without paying for a subscription.

Empower (formerly Personal Capital) built the category standard for free net worth tracking: connect accounts, see assets and liabilities, and dig into retirement / portfolio tools. The trade-off is well known — the free dashboard sits next to a paid advisory funnel, and many users dislike the sales outreach.

As of mid-2026: the classic US App Store listing for Empower Personal Wealth is no longer available; the web net worth tools on empower.com remain the primary product surface. Historic App Store social proof was on the order of ~47K ratings at ~4.6★.

Choose Empower if you want $0 software cost and are comfortable with a wealth-manager-adjacent product.

2. Monarch Money — best all-in-one for couples

Best for: Partners who want shared budgeting, spending, and net worth in one “home base.”

Monarch Money is the post-Mint default for many households: Plaid connections, flexible budgeting, shared access, and a strong net worth view. App Store US social proof is among the strongest in personal finance (~100K+ ratings, ~4.9★ as of July 2026).

Pricing (verified July 22, 2026 on monarchmoney.com/pricing):

Choose Monarch if you manage money with a partner and want one shared system.

3. YNAB — best if you want a budgeting methodology

Best for: People who want to change spending habits with zero-based budgeting — and still see net worth graphs.

YNAB (You Need A Budget) is not a pure net worth app. It is a methodology (“give every dollar a job”) with excellent teaching, goals, and debt tools. Net worth tracking exists, but the core loop is budgeting. Ratings remain elite (~61K on App Store US, ~4.8★).

Pricing (verified July 22, 2026 on ynab.com/pricing): $14.99/month, or $109/year; 34-day free trial when signing up directly with YNAB.

Choose YNAB if you are ready to practice a budgeting system, not just glance at balances.

4. Copilot Money — best design-forward tracker on Apple

Best for: US users in the Apple ecosystem who want beautiful spending insights plus investments and net worth.

Copilot is repeatedly praised for UI polish (Editor’s Choice; Apple Design Awards finalist). It auto-categorizes spending, surfaces subscriptions, and rolls cash flow and net worth into one clean experience. Expect iPhone / iPad / Mac / Web — not a full Android play — and a US-leaning product.

Pricing (verified July 22, 2026 on copilot.money): $13/month, with ~39% savings on yearly billing (about $95/year).

Choose Copilot if you live on iOS/Mac and care as much about daily money UX as about the NW number.

5. Kubera — best for complex, high-net-worth portfolios

Best for: People with messy, multi-entity, multi-asset wealth (private stock, alts, crypto, real estate, trusts) who outgrew consumer budget apps.

Kubera positions itself as a balance sheet for people who manage their own wealth — aggregating banks and brokerages, digital assets, private holdings, and custom assets, with multi-currency and multiplayer access. Pricing is intentionally premium and not scaled to your net worth.

Pricing (verified July 22, 2026 on kubera.com):

Choose Kubera if your spreadsheet has tabs for LLCs, LP calls, and wallets — and you want one balance sheet.

How to choose

Why we built FiWorth

We are not ranking FiWorth above Monarch or YNAB. Those products have tens of thousands of ratings for a reason.

We built FiWorth because the job we care about is different:

When I am saving toward a goal, I need to see two things — whether I am going up or down and how fast, and where I am on the path to that goal — without budgeting every purchase.

That is our job-to-be-done. The one-line promise:

Track your net worth. See your progress.

What that means in practice:

  1. Velocity — a clear net worth chart (direction and speed), not a static balance snapshot.
  2. Position - milestones on the way to your goal, so you always know where you are.
  3. Whole picture — investments, property, cash, crypto, and debts in one place.
  4. Big picture, not a budget — update the wealth picture; do not categorize every coffee.
  5. Privacy-first input — manual tracking without handing over bank credentials.

Availability: FiWorth is live on the App Store (FiWorth: Net Worth & Goals) and Google Play (FiWorth). Free to download; Premium unlocks via in-app subscription with a 7-day free trial. Exact subscription prices are shown in the stores (we run pricing tests, so we do not hard-code dollars here).

Download on the App Store

Get it on Google Play

If Empower feels like a sales funnel, Monarch feels like a household OS, and YNAB feels like a methodology class — and you mainly want progress toward a wealth goal — try FiWorth.

Conclusion

There is no single “best” net worth app for everyone. Match the tool to the job:

Revisit prices and ratings before you pay — the category moves quickly.