There are plenty of free net worth trackers on the internet. For most of them, you enter the value of your assets and liabilities, and the calculator does the simple math to show you how much you’re worth. The best net worth calculators, however, do far more than simple math.
They enable you to connect accounts to automatically pull in data. They can connect bank accounts, credit cards, investment and retirement accounts, and even the value of your home. These calculators then regularly update your net worth and keep track of changes over time.
With that in mind, what follows is a list of what I think are the top net worth apps available today.
Editor’s Top Picks
There are countless free and paid tools you can use to track your net worth. Here are the three I think are the best of the best.
1. Empower–This free tool, previously called Personal Capital, is my top pick for tracking your net worth. You can connect bank accounts, credit cards, investment accounts, retirement accounts, crypto, and even real estate via Zillow. Beyond tracking your net worth, Empower also offers a wealth of tools and charts to evaluate your finances.
App Store Rating: 4.8 (280k reviews)
2. Rocket Money–I’ve used Rocket Money for almost two years. It’s an excellent all-in-one financial app to track net worth, budgets, long-forgotten subscriptions and investments. It’s mobile app is one of the best I’ve ever used. It also does a great job at automatically categorizing expenses. It costs as little as $4 a month.
App Store Rating: 4.4 (199k reviews)
3. Kubera–For those who just want to track net worth, Kubera offers a very clean interface. It links with just about every financial institution out there, including crypto accounts. It also offers some basic portfolio analysis tools and gives you visibility into individual holdings. It does not offer budgeting tools. Kubera does cost $150 a year, but they offer a 14-day trial for $1.
Top Net Worth Calculators
1. Empower–Editor’s Choice
Best for investment management
Empower is without question the best net worth tracker available today. Previously called Personal Capital, it’s still free and no other tool offers more features.
With Empower, you link all your financial accounts (it secures your data with AES-256 encryption). You can also add accounts without online logins manually (e.g., artwork or vehicles). Once linked, it automatically pulls in all transactions and balances and tracks your net worth over time.
Why Empower is my top pick, however, goes far beyond tracking your balance sheet. It enables you to track all of your income and expenses by category. It offers excellent tools to evaluate your investments, including an asset allocation inspector, fee analyzer, and retirement planner.
2. Rocket Money–Best for Budgeting
Best for budgeting
I started using Rocket Money for both our personal and business budgets over a year ago. Having used both its web and smartphone apps, I can tell you it’s one of the best-looking and easiest-to-use budgeting tools available. On top of that, you can get the premium version for as little as $4 a month, paid annually.
Rocket Money does the basics well. It’s easy to track your spending and set up budgets. It’s easy to create rules for automatically categorizing transactions. And it’s easy to connect your investment accounts if you want to.
Here’s what the dashboard looks like for my business:
It gives me a snapshot of everything I need to manage my money. Rocket Money keeps track of subscriptions and makes it easy to cancel them. It’s an excellent Mint replacement, particularly if you focus on budgeting.
Rocket Money offers a free and paid version. The paid version costs $4 to $12/mo based on what you choose to pay them. Seriously. If you choose the $4 or $5 option, you must pay for a year at a time.
3. Kubera
Best for just net worth tracking
Kubera is a relatively new app designed specifically to track net worth. You can link just about any type of account to Kubera. In addition to bank, credit card, and investment accounts, you can link cars using the VIN, the value of real estate via Zillow, and even the value of domain names.
The user interface is clean, and the tool allows you to organize your assets and liabilities as you wish. I’ve linked numerous brokerage and retirement accounts to Kubera without any issues.
In addition to keeping tabs on your net worth, Kubera can keep track of your insurance policies and securely store important documents. It also now offers some insight into your asset allocation. While this aspect of the app is not as robust as Empower, it’s a step in the right direction.
Kubera costs $150 a year, which is one reason Empower earns the top spot. That said, they are offering a $1 14-day trial.
4. Quicken
One of the first budgeting tools, and one that I remember using when it first came out, is Quicken. It is responsible for bringing personal finance into the digital age. Today, it seems to be a lot less popular, possibly because it moved to a subscription pricing model. Nevertheless, it is a solid budgeting tool that will track your net worth.
Quicken can provide a wealth of data about everything from spending to investments. On the downside, the user interface is not the best. As a result, Quicken is best for those who care more about data than how that data is presented. It’s also why many have looked to Quicken alternatives.
Quicken’s cost depends on the type of subscription you get, and ranges from $2.99/month to $5.99/month.
5. Simplifi
The makers of Quicken launched a smartphone budgeting app called Simplifi several years ago. Today it’s also available as a desktop app. It’s my personal top pick for those who want to track their net worth with a budgeting app that looks great on a smartphone.
I’ve used Simplifi for two years now. It’s not my primary budgeting app (see Tiller below). But it is a great app. It’s user interface is excellent. You can set budgeting goals and track your spending. Recently, they also added the ability to track your investments. And with that, I added it to this list of the best net worth calculators.
It costs just $2.39/month.
6. Tiller
Best for budgeting with spreadsheets
Tiller brings the world of budgeting to Google Sheets. It enables you to connect all of your financial accounts and then download the data into Google Sheets. It’s ideal for those who prefer to work with spreadsheets rather than an app.
It comes with countless templates. The main templates track your budget on a monthly and yearly basis. For our purposes, it also comes with a net worth template.
I use Tiller to monitor our budget. While I use Empower for everything else, including net worth, Tiller could serve that purpose for those who want everything in spreadsheets. One big plus with Tiller is that you control all of your data. And in addition to Google Sheets, you can download all of your transactions to Excel.
Tiller offers a 30-day free trial. After that, it costs $79 a year.
7. YNAB
Best for budgeting month-to-month
If spreadsheets aren’t your thing, YNAB (You Need a Budget) offers one of the best budgeting apps you’ll find anywhere. I used it for years and found it to be an excellent tool, particularly for those struggling to live paycheck to paycheck.
One feature YNAB offers is a high-level view of your net worth.
YNAB offers a 34-day free trial. After that, it costs $14.99 a month or $98.99 a year.
8. New Retirement
The last net worth calculator on our list is New Retirement. This app is designed to help you plan for retirement and manage your money during retirement. It offers a wealth of tools covering everything from when to take social security to whether to convert a traditional IRA to a Roth IRA. And it tracks your net worth.
New Retirement is not the best choice if your only goal is to track your net worth. But if you also want to plan for your retirement, it’s one of the best.
New Retirement offers a free plan. To take advantage of all of its features costs $96 a year.
Final Thoughts
Tracking your Net worth is simple. It’s just a matter of adding up your assets (everything you own) and your liabilities (everything you owe). The difference is your net worth.
You could use a simple spreadsheet to keep tabs on your assets and liabilities. I’ve done that for years. The tools listed above, however, make it much easier and offer additional tools to help you manage, track, and evaluate your finances and investments.
