Best Apps to Track Your Net Worth Accurately

In an era where financial clarity defines freedom, accurately tracking your net worth is more than a habit—it’s a gateway to informed decisions and long-term success. As personal finance apps evolve, they offer powerful tools to consolidate assets, monitor liabilities, and visualize progress. Let’s explore the top solutions of 2025 and learn how to harness them for financial empowerment.

Why Tracking Your Net Worth Matters

Your net worth represents the value of everything you own minus everything you owe. It’s a clear measure of financial health that transcends income fluctuations and market volatility. Monitoring this figure regularly transforms abstract goals into concrete milestones, driving motivation and accountability.

By observing trends over time, you gain actionable insights and timely adjustments, whether you’re reducing debt, saving for a dream home, or building an investment portfolio. Understanding this key metric puts you firmly in control of your financial destiny.

Top Net Worth Tracking Apps of 2025

The following apps stand out for their features, usability, and reliability. They cater to a range of needs, from novice budgeters to seasoned investors.

Empower (formerly Personal Capital)

Empower blends investment management with robust net worth tracking. Its free app connects checking, savings, credit cards, IRAs, 401(k)s, mortgages, and loans, delivering comprehensive integration for a complete view of your finances.

With intuitive spending snapshots and a dynamic portfolio tracker, Empower excels at highlighting where your money flows and how your assets grow. Special planning tools—like the Savings Planner, Retirement Planner, and Fee Analyzer—transform complex data into actionable financial roadmaps.

Available on phone, tablet, and desktop, Empower boasts a 4.7 rating on the App Store and 4.3 on Google Play. It’s ideal for users seeking long-term growth and deeper investment insights.

PocketGuard

PocketGuard adopts a zero-based budgeting framework to simplify spending. By linking checking, credit, and savings accounts, it calculates leftover funds after essential bills are reserved, ensuring you never overspend.

While its core net worth tracker is straightforward, PocketGuard Plus elevates the experience with debt payoff planning and seamless transaction import/export. This premium tier costs $12.99 per month or $74.99 per year, and it supports debt payoff strategies made simple.

With a 4.6 rating on the App Store and 4.7 on Google Play, PocketGuard excels at keeping budgets tight and transparent for those who value simplicity over complexity.

Kubera

Kubera markets itself as the world’s most modern wealth tracker, linking everything from bank and investment accounts to real estate, vehicles (via VIN), and even domain names. Its clean user interface lets you organize assets and liabilities exactly how you prefer.

Beyond balance sheets, Kubera stores insurance policies and important documents securely while offering preliminary asset allocation insights. Although its $249 per year price tag (with a $1 trial for 14 days) positions it at the premium end, it’s unrivaled for users with diverse, international portfolios.

For anyone managing multiple asset types across borders, Kubera provides tailored features for diverse portfolio needs and peace of mind.

Mint

Mint remains one of the most accessible net worth apps, free and user-friendly. It pulls data from most financial and investment accounts, tracks expenses, budgets, credit scores, and net worth over time.

It excels at bill reminders and irregular expense alerts, keeping you informed before fees or overdue notices arrive. Mint’s goal-setting tools and intuitive interface make it perfect for beginners or anyone seeking simplified financial oversight without sacrificing depth.

Cross-platform compatibility for iOS and Android ensures your net worth is just a tap away, anytime you need a quick snapshot.

Other Notable Apps

Beyond these leaders, several other apps deserve mention for their unique strengths and specialized features:

• Quicken: One of the original budgeting pioneers, offering granular data on spending and investments for $2.99–$5.99 per month.
• PocketSmith: Calendar-based forecasting and net worth projections with a 34-day trial, then $14.99/month or $98.99/year.
• YNAB (You Need A Budget): Zero-based budgeting mastery designed to eliminate debt and maximize savings.
• Monarch Money: Modern budgeting with collaboration tools, perfect for couples managing shared finances.
• Tiller Money: Automated spreadsheets in Google Sheets or Excel for DIY enthusiasts.

Comparison Table

For a quick side-by-side view, here’s a summary of the key details:

Key Features to Look For in Net Worth Tracking Apps

• clean, intuitive interfaces for effortless navigation
• real-time updates and syncing across all linked accounts
• comprehensive asset and liability integration for a full financial picture
• clear visualizations and meaningful reports to guide your decisions

Benefits of Tracking Net Worth

• Enhanced financial awareness that drives better spending habits
• Objective evaluation of progress toward savings and investment goals
• Improved debt management by highlighting liabilities in one place
• Motivation from visible milestones fueling continued growth

Choosing the Right App for You

Selecting the ideal net worth tracker depends on your needs and comfort level. Beginners may gravitate toward Mint’s simplicity, while seasoned investors will appreciate Empower’s depth or Kubera’s expansive linking capabilities. If budgeting discipline is your priority, YNAB or PocketGuard could be the perfect match.

Reflect on how you like to view data—through dashboards, charts, or spreadsheets—and consider whether premium planning tools or basic snapshots best suit your style. Ultimately, the best app is the one you’ll use consistently.

Tracking net worth is more than crunching numbers; it’s a tool for empowerment, transformation, and peace of mind. With the right application supporting you, every financial decision becomes clearer, every milestone more tangible, and every future goal undeniably within reach.