Best Free Net Worth Trackers in 2026 (Tested & Ranked)

My coworker told me he tracks his net worth in a Notes app. Just types a number once a month and calls it done.

I asked him if that number included his 401(k), his car loan, and the $3,200 he owes on a credit card he forgot about. He stared at me for about five seconds, then said, "So what do you use?"

That conversation happens more than you'd think. Most people know they should track their net worth. But between subscription fatigue, privacy concerns, and the death of Mint, finding a tool that's actually free — and actually useful — feels harder than it should be.

We tested every major free net worth tracker available in 2026. Here's what we found.

What "Free" Actually Means in 2026

Let's get this out of the way: most apps that call themselves free aren't.

They're free to download. Free for 7 or 14 days. Free with so many limitations that you'll upgrade within a week. The personal finance app market figured out a long time ago that "free" is a marketing term, not a business model.

For this ranking, we used three criteria:

You can track your net worth without paying. Not just view a dashboard — actually connect accounts and see a real number.
No forced trial expiration. If it locks features after 14 days, it's a trial, not a free app.
Useful enough to stick with. A free tier that only shows one account isn't worth your time.

The Best Free Net Worth Trackers, Ranked

1. Nova — Best Free Tracker Overall

Free tier: Unlimited manual accounts, net worth dashboard, basic trends. Paid ($9.99/mo): Auto-sync across 20,000+ institutions, projections, advanced analytics.

Nova earns the top spot because its free tier does what matters most: it gives you a real, accurate net worth number. You can manually add every account you own — bank accounts, investments, property, vehicles, crypto, even that side business — and see your total net worth update in real time.

The interface is clean and fast. No ads. No upsell pop-ups every time you log in. And if you decide the manual approach isn't enough, the paid plan adds automatic syncing with virtually every bank, brokerage, and lender in the country.

Worth noting: Nova was built by a veteran, and it's one of the few trackers that handles VA disability compensation, TSP, and military retirement as first-class account types. But it works just as well for anyone who wants a clear picture of their finances.

Try Nova free →

2. Empower (formerly Personal Capital) — Best for Investors

Free tier: Account aggregation, net worth tracking, investment checkup, retirement planner. Paid: Wealth management services (0.89% AUM, $100K minimum).

Empower's free tier is genuinely generous. You can link all your accounts, see your net worth, and use their investment analysis tools without paying a cent. The catch? They'll call you. A lot. Their business model is wealth management, and the free app is a funnel to get you on the phone with an advisor.

If you can ignore the sales calls, it's a solid free option — especially if you have significant investment accounts and want portfolio analysis alongside net worth tracking.

3. Monarch Money — Best for Budgeting + Net Worth

Free tier: Limited (7-day trial only). Paid ($9.99/mo or $99.99/yr): Full budgeting, net worth tracking, account syncing.

We're including Monarch because it's the most common recommendation in the post-Mint world, but let's be honest: it's not free. The 7-day trial gives you full access, and then you're paying. At $9.99/month, it's the same price as Nova but positions itself more as a budgeting tool with net worth tracking bolted on.

If budgeting is your primary goal and net worth is secondary, Monarch is excellent. But if you want dedicated net worth tracking without a paywall, look elsewhere.

4. Spreadsheets (Google Sheets / Excel) — Best for Full Control

Free tier: Completely free (Google Sheets) or included with Microsoft 365. Paid: Nothing.

The DIY approach still works. A well-built spreadsheet gives you total control over your data, zero privacy concerns, and no subscription fees. The r/personalfinance community has dozens of free templates.

The downsides are obvious: manual updates, no automatic syncing, easy to abandon. But if you're disciplined and want zero compromises on data ownership, spreadsheets remain unbeatable.

5. Copilot Money — Best on iOS

Free tier: Limited tracking, no sync. Paid ($14.99/mo or $99.99/yr): Full features, account linking.

Copilot is beautifully designed and popular with iPhone users, but the free tier is extremely limited. Without paying, you can't link accounts — which makes it a manual-entry-only tool at best. And at $14.99/month, the paid tier is one of the most expensive options in the category.

Included here because of its loyal user base, but it's hard to recommend as a "free" tracker.

What to Look for in a Free Net Worth Tracker

Before you pick one, ask yourself three questions:

Do you want automatic syncing or manual entry? Auto-sync saves time but usually costs money. Manual entry is free but requires discipline. Some apps (like Nova) offer both — free manual tracking with optional paid sync.

How many accounts do you have? If you've got a checking account and a 401(k), a spreadsheet works fine. If you have 8+ accounts across multiple institutions, you need something that aggregates.

Do you need it to do more than net worth? Some people want budgeting, cash flow, and investment analysis in the same app. Others just want one number. Pick the tool that matches your actual use case.

The Real Cost of "Free"

Here's the uncomfortable truth about free financial apps: if you're not paying with money, you're usually paying with data, attention, or both.

Empower's free tier is funded by their wealth management business — they want your assets under management. Ad-supported apps sell your financial behavior to data brokers. Even spreadsheets cost you time.

The best approach? Pick the tool that's transparent about how it makes money, gives you genuine value on the free tier, and doesn't make you feel like a product.

Start Tracking Your Net Worth Today

You don't need the perfect app to get started. You need an app and five minutes.

The gap between "I should track my net worth" and "I know my net worth" is smaller than you think. Pick one of the tools above, add your accounts, and look at the number. That's it. That's the whole first step.

Ready to see your complete financial picture? Start your free Nova account today and track your net worth across all your accounts — no credit card required.