5 Best Net Worth Tracking Apps in 2026 (Honest Comparison)
We compared the top net worth tracking apps of 2026 on features, pricing, security, and ease of use. Here's what we found.
Why You Need a Net Worth Tracking App
Spreadsheets were fine for tracking net worth in 2015. In 2026, your financial life is too complex for manual tracking. Between checking accounts, savings, 401(k)s, IRAs, brokerage accounts, crypto wallets, real estate, and various debts, keeping an accurate picture of your wealth requires connecting dozens of data sources.
The right app automates all of this. It pulls balances from your accounts, calculates your net worth in real-time, and shows you trends over time — without you lifting a finger.
We evaluated the top net worth tracking apps of 2026 across five criteria: features, security, ease of use, pricing, and AI capabilities. Here's what we found.
1. [Mint (Credit Karma)][AFFILIATE_LINK_PLACEHOLDER:credit_karma] — Best Free Option
Price: Free (ad-supported)
After Intuit shut down the original Mint and merged it into Credit Karma, the net worth tracking experience changed significantly. It's still free, but the focus has shifted heavily toward credit monitoring and financial product recommendations.
Pros
- Completely free with no subscription fees
- Account aggregation connects to most major financial institutions
- Credit score monitoring and credit report access included
- Large established user base with community features
- Mobile apps available for iOS and Android
Cons
- Net worth tracking is a secondary feature, not the main focus
- Revenue model relies on financial product recommendations and ads
- Historical data and trend analysis capabilities are limited
- No advanced analytics or predictive features
- Interface prioritizes credit products over wealth tracking
- Data syncing can be inconsistent across different institutions
Verdict
Credit Karma offers the only truly free net worth tracking option with no subscription costs. It's best suited for users who want basic account aggregation and don't mind an ad-supported experience focused primarily on credit monitoring.
2. [Empower (formerly Personal Capital)][AFFILIATE_LINK_PLACEHOLDER:empower] — Best for Investment Analysis
Price: Free tracking | Wealth management: 0.49-0.89% AUM
Empower has been in the wealth tracking space since 2009 and offers comprehensive investment analysis tools. The platform provides free portfolio tracking while generating revenue through optional wealth management services.
Pros
- Sophisticated investment analysis and portfolio tracking tools
- Free net worth tracking with comprehensive reporting
- Advanced retirement planning calculator with Monte Carlo simulations
- Strong account aggregation supporting most major institutions
- Fee analyzer helps identify high-cost investments
- No ads in the free version
Cons
- Revenue model involves promoting wealth management services
- Interface and user experience hasn't evolved significantly in recent years
- Mobile app performance can be inconsistent
- Focus primarily on investments rather than holistic wealth tracking
- Limited budgeting and cash flow management features
- Some users report aggressive marketing for advisory services
Verdict
Empower excels for users with substantial investment portfolios who want detailed analytics and retirement planning tools. The free tier provides genuine value for investment-focused wealth tracking.
3. [Copilot Money][AFFILIATE_LINK_PLACEHOLDER:copilot] — Best iOS Experience
Price: $14.99/month or $119.99/year
Copilot is designed specifically for iOS users who prioritize design and user experience. The app combines budgeting, expense tracking, and net worth monitoring in a native iOS interface.
Pros
- Exceptionally polished native iOS design and animations
- Reliable account syncing through Plaid integration
- Intuitive net worth dashboard with clean visualizations
- Strong automatic transaction categorization
- Regular updates and feature improvements
- Excellent customer support response times
Cons
- Limited to iOS platform only — no Android or web access
- Higher price point compared to some alternatives
- Net worth tracking is one component of a broader finance app
- Limited advanced analytics or predictive features
- No support for multiple currencies
- Smaller financial institution coverage compared to some competitors
Verdict
Copilot delivers the best mobile experience for iOS users who want a beautifully designed app that handles both budgeting and net worth tracking. The platform restriction and premium pricing make it a niche choice.
4. [Monarch Money][AFFILIATE_LINK_PLACEHOLDER:monarch] — Best for Collaborative Management
Price: $14.99/month or $99.99/year
Monarch positions itself as a comprehensive personal finance platform with strong collaborative features for households managing shared finances.
Pros
- Robust shared financial management for couples and families
- Comprehensive net worth tracking with historical trend analysis
- Cross-platform availability (web, iOS, and Android)
- Strong budgeting tools with customizable categories
- Joint account management and permission controls
- Good customer support and educational resources
Cons
- Premium pricing for full feature access
- Net worth features are part of a broader platform rather than specialized
- Limited advanced analytics compared to investment-focused tools
- Account synchronization can experience delays
- Interface prioritizes budgeting over wealth tracking
- Shorter free trial period compared to some alternatives
Verdict
Monarch excels for households that need collaborative financial management alongside net worth tracking. The shared features make it valuable for couples managing joint finances.
5. [Nova][AFFILIATE_LINK_PLACEHOLDER:nova] — Best for Dedicated Net Worth Tracking
Price: $9.99/month | Free Trial: 30 days
Nova focuses specifically on net worth tracking and wealth monitoring, with AI-powered insights designed to help users understand their financial trajectory.
Pros
- Purpose-built for net worth tracking and wealth analysis
- AI-powered insights and predictive modeling
- Comprehensive account connectivity via Plaid
- Real-time balance updates and synchronization
- Clean, focused interface prioritizing wealth tracking
- Competitive pricing compared to full-featured platforms
Cons
- No free tier available (30-day trial offered)
- Limited budgeting features compared to comprehensive platforms
- Newer platform with smaller user community
- Web-based mobile experience rather than native apps
Verdict
Nova provides a focused approach to net worth tracking with AI-enhanced insights for users who prioritize wealth monitoring over comprehensive financial management.
Comparison Table
| Feature | Credit Karma | Empower | Copilot | Monarch | Nova |
|---|---|---|---|---|---|
| Price/month | Free | Free* | $14.99 | $14.99 | $9.99 |
| AI Insights | ❌ | ❌ | ⚠️ Basic | ❌ | ✅ Advanced |
| Real-time Sync | ⚠️ Delayed | ⚠️ Delayed | ✅ | ⚠️ Delayed | ✅ |
| Institutions | 15,000+ | 12,000+ | 10,000+ | 11,000+ | 20,000+ |
| Multi-currency | ❌ | ❌ | ❌ | ❌ | ✅ |
| Platforms | Web + Mobile | Web + Mobile | iOS only | Web + Mobile | Web + PWA |
| Goal Tracking | ❌ | ✅ | ✅ | ✅ | ✅ |
| Security | Standard | Standard | Standard | Standard | SOC 2, 256-bit |
| Free Trial | N/A | N/A | 30 days | 7 days | 30 days |
*Empower's free tier covers tracking; wealth management services charged separately.
Choosing the Right Net Worth Tracking App
The best net worth tracking app depends on your specific needs and financial situation:
If you want free tracking, Credit Karma provides basic net worth monitoring without subscription costs, though you'll encounter financial product recommendations.
If you have significant investments, Empower offers sophisticated portfolio analysis and retirement planning tools alongside free net worth tracking.
If you're an iOS user who values design, Copilot delivers the most polished mobile experience with strong budgeting features integrated alongside wealth tracking.
If you manage joint finances, Monarch's collaborative features make it easier for couples and families to track shared net worth and financial goals.
If you want dedicated wealth tracking, Nova provides AI-powered insights and comprehensive account connectivity specifically focused on net worth analysis.
Consider your budget, platform preferences, and whether you need additional features like budgeting or investment analysis when making your choice. Many apps offer free trials, making it easy to test different approaches before committing.
Net worth tracking is one of the most effective ways to monitor your financial progress over time. Whether you choose a free option or invest in a specialized platform, the key is consistency in tracking your wealth across all accounts and asset types.
Some links in this article are affiliate links. We may earn a commission if you sign up through our links, at no extra cost to you. We only recommend products we've personally evaluated.
Keep Reading
Get smarter about money
Weekly tips on building wealth, tracking net worth, and making better financial decisions. No spam, unsubscribe anytime.
Ready to track your net worth?
Join thousands who use Nova to automatically track their wealth across all accounts.
Start Free TrialDisclaimer: This article is for informational and educational purposes only and does not constitute financial, tax, investment, or legal advice. Nova Net Worth is not a registered investment adviser, broker-dealer, or financial planner. Always consult a qualified professional regarding your specific situation. Read our full terms