The 5 Best Net Worth Tracker Apps in 2026

Our picks at a glance

1. 1

   Best overall

   VaultFlow

   Budget, bills and net worth without a bank login

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   A clear net worth view of accounts, cards, investments, property and loans, free and with no bank login.

   VaultFlow's wealth screen lists everything you own and owe: bank accounts, credit cards, investments, property and loans. Assets minus debts gives you your net worth, and you see it next to your budgets and bills instead of in a separate app. That matters, because the habits that actually move net worth are the spending and bill decisions you make every week.

   Updating is manual by design. You refresh balances yourself or import your bank's statement file, which takes some effort but means no third party ever holds your logins. Everything can be exported as a spreadsheet if you want to build your own charts. The catch: investment balances won't move with the market unless you update them, and VaultFlow only runs on iPhone and iPad.

   Good for

   iPhone users who want a private, free picture of what they own and owe

   Watch out for

   Balances only change when you update or import them

   Read the VaultFlow review App Store iOS
2. 2

   Best for investments

   SmartFolio

   Track stocks, ETFs, crypto and dividend income privately

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   Shows the investment side of your net worth in detail, with every trade, dividend and return kept on your iPhone.

   For many people, investments are the biggest and least understood part of net worth. SmartFolio fills that gap. You import trade history from your broker's export or a spreadsheet, and it shows every buy, sale and dividend for each holding, time-weighted returns compared with the market, and the income your portfolio is expected to pay. It handles stocks, ETFs and crypto in one place.

   It pairs naturally with VaultFlow: SmartFolio gives the deep investment view, while VaultFlow holds the full balance sheet of cash, property and debts. Both are free, need no account, and keep data on your device. The catch is that SmartFolio only covers investments, not your whole net worth, and keeping it current means re-importing because there is no automatic broker sync.

   Good for

   Investors who want a private, detailed look at their portfolio's value

   Watch out for

   Covers investments only, and updates require re-importing

   Read the SmartFolio review App Store iOS
3. 3

   Best all-in-one

   Monarch Money

   Budgets, net worth and investments in one clean dashboard

   0

   Links banks, loans and investment accounts so net worth updates on its own, right next to your household budget.

   Monarch Money builds your net worth from linked accounts, so balances for banks, cards, loans and investments update without you lifting a finger. The net worth view sits on a customizable dashboard alongside budgets, cash flow and goals. You can also add accounts by hand for things no bank feed covers, like a home or a car, so the total reflects your whole life.

   Couples get the most from it, because a partner can join at no extra cost and see the same household net worth from their own login. It works on iPhone, Android and the web. The catch is price and upkeep: there is no free plan after the trial, and when a bank connection breaks, your net worth is quietly wrong until you reconnect it.

   Good for

   Households who want net worth, budgets and goals in one shared app

   Watch out for

   Subscription only, and broken links can skew your total

   Read the Monarch Money review Visit website iOSAndroidWeb
4. 4

   Best for retirement

   Empower Personal Dashboard

   Free net worth and retirement tracking across accounts

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   A free dashboard that links your accounts and pairs net worth with retirement planning and a fund fee check.

   Empower Personal Dashboard is the best free way to watch net worth update on its own. Link your bank, retirement and investment accounts, and it shows assets, debts and allocation on one screen. The retirement planner models different scenarios to show whether you are on track, and the fee analyzer exposes costs hidden inside your funds, which compound against your net worth for years.

   It runs on iPhone, Android and the web, and none of the dashboard tools need a subscription. The trade-off is how the free product pays for itself. It feeds a paid wealth management service, so expect calls or emails pitching it after you sign up. Budgeting and categorization are basic too, so pair it with a budgeting app if spending is your weak spot.

   Good for

   Investors who want free, automatic net worth and retirement tracking

   Watch out for

   Expect sales pitches for paid wealth management

   Read the Empower Personal Dashboard review Visit website iOSAndroidWeb
5. 5

   Best design

   Copilot Money

   Polished budgeting and spending insights for Apple users

   0

   Polished net worth and investment tracking on iPhone and Mac, tied into a budget that learns your spending.

   Copilot Money tracks net worth from linked accounts and pairs it with strong investment tracking, so you can watch both the total and what is driving it. The native Mac app makes a monthly review easy on a bigger screen, and it syncs with the iPhone app. If you already use Copilot to budget, net worth comes along without adding another app to your routine.

   The design is the best on this list, which helps if you want a money check-in you actually enjoy. Categorization learns from your corrections, so spending data stays clean as well. The catch is reach and cost. It is built for Apple devices first, with a web version but no Android app, and there is no free tier once the trial ends.

   Good for

   iPhone and Mac users who want net worth and budgeting in one polished app

   Watch out for

   No Android app, and subscription only after the trial

   Read the Copilot Money review Visit website iOSMacWeb

What should you look for in a net worth tracker?

Coverage comes first. A net worth tracker is only as accurate as its list of accounts, so check that it handles everything you own and owe: cash, cards, retirement and brokerage accounts, property and loans. The ability to add assets by hand matters if you own a home, a car or anything else that no bank feed reports.

Then choose how balances update. Linked accounts, as in Monarch Money, Empower and Copilot Money, update automatically but give a third party access and sometimes break. Manual apps like VaultFlow and SmartFolio keep everything on your device but only change when you update them. Neither is wrong. Many people are happy with a monthly update, which is often enough to see the direction you are heading.

How often should you check your net worth?

For most people, monthly is plenty. Net worth moves slowly, and daily swings in investment balances can push you toward emotional decisions. Pick a fixed day, update or import your balances, and note one thing to change before the next check. Manual trackers make this routine feel natural, and automatic ones make it fast. Either way, the direction matters more than any single month.

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