Best Net Worth Tracking Apps 2026 — Complete Comparison
Ranking of the best net worth trackers in 2026. Compare Kubera, Empower, Freenance, Copilot, and Monarch for tracking your total wealth across platforms.
8 min czytaniaBest Net Worth Tracking Apps in 2026
Your net worth is the single most important number in your financial life. It's the sum of everything you own minus everything you owe — and tracking it over time is the clearest indicator of financial progress.
According to a 2025 Charles Schwab survey, people who track their net worth monthly are 2.3x more likely to feel confident about their financial future. Yet only 28% of adults regularly calculate their net worth. The reason? It's tedious when your assets are spread across bank accounts, brokerage firms, crypto exchanges, real estate, and retirement accounts.
In 2026, net worth trackers solve this by aggregating data automatically. Here are the best options.
Evaluation Criteria
- Account aggregation — How many financial institutions can it connect to?
- Asset types — Stocks, crypto, real estate, alternatives, retirement accounts?
- Accuracy — Real-time vs. delayed prices, currency conversion
- Historical tracking — Charts showing net worth growth over months/years
- Privacy & security — Read-only access, encryption, SOC 2 compliance
- Price — Because tracking your wealth shouldn't cost a fortune
The Ranking
1. Kubera — Best for High-Net-Worth Individuals
Kubera is designed for people with complex financial lives: multiple brokerages, crypto wallets, real estate, collectibles, and even domain names.
- Price: $150/year (no free tier)
- Account types: Banks, brokerages, crypto (40+ exchanges), real estate (Zillow), cars (KBB), domains, precious metals
- Standout feature: DIY asset tracking for anything — art, wine, watches
- Best for: HNW individuals ($500K+) with diverse portfolios
- Strengths: Broadest asset coverage, beneficiary/estate planning, beautiful UI
- Weaknesses: Expensive, no budgeting, US-centric bank connections, no European bank support
- Users: ~150,000
2. Empower (formerly Personal Capital) — Best Free Net Worth Tracker (US)
Empower offers comprehensive net worth tracking completely free — their business model is wealth management for high-balance accounts.
- Price: Free
- Account types: US banks, 401(k), IRA, brokerages, mortgages
- Standout feature: Investment checkup with fee analysis
- Best for: US-based users who want free, professional-grade tracking
- Strengths: Free, retirement planner, fee analyzer, large user base (3.5M+)
- Weaknesses: US-only connections, pushes paid wealth management, no crypto exchange support, no European banks
- Users: 3.5 million+
3. Freenance — Best for European Net Worth Tracking
Most net worth trackers are built for American financial institutions. Freenance flips this: it's built for European (especially Polish) users but works for anyone with accounts across platforms.
- Price: Free tier available; Premium from €4.99/month
- Account types: Polish banks (mBank, ING, PKO), Revolut, XTB, Binance, Bybit, IKE/IKZE, Polish Treasury Bonds
- Standout feature: Financial Freedom Runway — translates net worth into months of financial freedom
- Best for: European users, especially those in Poland with local banks and brokerages
- Strengths: Polish bank integration (unique in the market), IKE/IKZE tracking, runway calculation, AI transaction categorization
- Weaknesses: Fewer US integrations, newer platform
- Key insight: Net worth alone doesn't tell you much — Freenance contextualizes it by showing how long your wealth would sustain your lifestyle
4. Monarch Money — Best Mint Replacement with Net Worth Tracking
After Mint shut down in January 2024, Monarch Money absorbed many of its 15 million users. It combines budgeting with solid net worth tracking.
- Price: $14.99/month ($99.99/year); 7-day free trial
- Account types: US/Canadian banks, brokerages, loans, credit cards
- Standout feature: Collaborative tracking for couples with shared dashboards
- Best for: Couples or families in North America wanting budget + net worth
- Strengths: Clean interface, good bank support (10,000+ US institutions), couples features
- Weaknesses: No European banks, no crypto exchange connections, relatively expensive
- Users: 1 million+
5. Copilot Money — Best iOS-Native Net Worth Tracker
Copilot is an Apple-first finance app with beautiful design and solid net worth tracking capabilities.
- Price: $14.99/month ($69.99/year)
- Account types: US banks, brokerages, crypto
- Standout feature: Stunning iOS design, Apple Watch widget
- Best for: iPhone-first users in the US who value design
- Strengths: Beautiful UI, fast transaction sync, smart categorization
- Weaknesses: iOS only (no Android, no web), US-only, expensive, no European support
- Users: ~500,000
6. Wealthica — Best for Canadian Net Worth Tracking
Wealthica is Canada's answer to Personal Capital — aggregating Canadian banks, brokerages, and retirement accounts (RRSP, TFSA).
- Price: Free tier; Premium at CAD $15/month
- Account types: Canadian banks, Questrade, Wealthsimple, RRSP, TFSA
- Best for: Canadians with multiple investment accounts
- Strengths: Deep Canadian integration, portfolio analytics, API for power users
- Weaknesses: Canada-only, limited non-investment tracking
Comparison Table
| Feature | Kubera | Empower | Freenance | Monarch | Copilot | Wealthica |
|---|---|---|---|---|---|---|
| Free tier | ❌ | ✅ | ✅ | ❌ | ❌ | ✅ |
| Price (paid) | $150/yr | Free | ~€60/yr | $100/yr | $70/yr | CAD 180/yr |
| US banks | ✅ | ✅ | ❌ | ✅ | ✅ | ❌ |
| European banks | ❌ | ❌ | ✅ | ❌ | ❌ | ❌ |
| Crypto | ✅ | ❌ | ✅ | ❌ | ✅ | Partial |
| Real estate | ✅ | ✅ | ❌ | ❌ | ❌ | ❌ |
| Runway calc | ❌ | ❌ | ✅ | ❌ | ❌ | ❌ |
| Couples | ❌ | ❌ | ❌ | ✅ | ❌ | ❌ |
| Mobile app | ✅ | ✅ | ✅ | ✅ | ✅ (iOS) | ✅ |
The Net Worth Tracking Gap in Europe
Here's an important observation: 5 out of 6 apps on this list don't support European banks. This is a massive gap in the market. If you have accounts at mBank, ING Direct, N26, or use European brokers like XTB or DEGIRO, your options narrow dramatically.
Freenance is currently the strongest option for European net worth tracking, particularly for Polish users. The app aggregates Polish bank accounts, brokerage accounts (XTB), crypto exchanges (Binance, Bybit), and retirement accounts (IKE, IKZE) — a combination no other app on this list offers.
Tips for Effective Net Worth Tracking
- Track monthly, not daily — Daily fluctuations cause anxiety; monthly trends show real progress
- Include everything — Retirement accounts, home equity, crypto, even that savings account you forgot about
- Subtract all debts — Mortgages, student loans, credit cards
- Focus on the trend — A 15% year-over-year increase matters more than the absolute number
- Automate it — Manual tracking dies within 3 months for 67% of people (according to a NerdWallet study)
📊 Check your Financial Freedom Runway for free. Freenance connects your bank accounts, investments, and retirement accounts into one dashboard. Start tracking for free →
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