7 best net worth trackers: apps and tracking services

Link your accounts to this powerful online platform, and Empower will give you a complete view of your net worth. Simply link your credit cards, mortgage, loans, and your investing, retirement, and bank accounts. Then Empower's net worth tracker does the rest.

This tool allows you to consolidate all of your accounts in one place so you can measure your progress over time. Seeing firsthand how your accounts look — whether on your desktop or mobile device — can help you pivot your budget to focus on your goals and improve your net worth. You can even track your cryptocurrency investments with their new crypto BETA tracker.

Of course, with all of your accounts linked, Empower can also organize budgets for you, provide a retirement plan, and monitor your cash flow.

The best thing about Empower is that it offers plenty of services and value with its free membership. (You can upgrade for even more features, but its free tools are pretty impressive.)

With Monarch Money, you can sync all of your financial accounts to track your net worth in a single dashboard. This includes your various bank accounts as well as loans, credit cards, real estate, investments, and more. You can also manually add and track assets, which is useful for more niche investments like artwork or other valuable collectables.

Monarch also lets you create various financial goals so you can start working towards them. And its new Advice feature, which is currently in Beta, provides tailored recommendations to help you reach these goals faster. The tool was created by certified financial planners, so it mimics the advice you'd get from a human financial advisor.

Dashboards are customizable as well, so you can focus on aspects of your spending or net worth that matter most. There's also tools that help you understand your spending habits more so you can stay on track with saving.

Monarch Money has a free plan that allows for two bank connections and some asset tracking. The paid plan unlocks every feature and costs $7.50 per month and has a 7-day free trial.

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Like PocketSmith, YNAB provides budgeting tools on its platform. But then it goes above and beyond by teaching you how to manage your money. Standing for “You Need a Budget,” YNAB offers tools for desktop and smartphones, as well as Apple Watch and Alexa. YNAB teaches you how to prioritize and plan so you can get to your goals faster.

YNAB's program focuses on four rules:

◦ Give every dollar a job

◦ Embrace your true expenses

◦ Roll with the punches

◦ Age your money

This is the platform for you if you're just starting out and eager to learn how to get yourself on the right track. It lets you create custom budgets and create a game plan to pay off debt. There's a free 34-day trial, and then you can opt to pay $14.99 monthly or save with an annual membership of $98.99, each of which can be canceled at any time.

Another budgeting platform with free tools is PocketSmith. While the free tools are okay, they do not automatically connect your accounts in one place. Instead, you'll need to opt for the Premium version to get the automated features. PocketSmith costs $9.95 monthly or $7.50 per month if you pay in full for the year.

The Premium version provides automatic feeds and creates a dashboard that highlights your net worth automatically. You can add assets and link them to specific liabilities as well, like your home to your mortgage loan.

As a budgeting platform, PocketSmith lets you create daily, weekly and monthly budgets. And you can create cash projections, watch your cash flow, and schedule bills. There's also a handy budget calendar so you can visualize your spending easily.

One of the easiest investing platforms is Betterment, which is available as a smartphone app or on desktop. This robo-advisor is an automated financial advisor that makes investment choices for you based on your personal financial goals. The program determines your risk tolerance from your answers to the program’s introductory questions. Then Betterment recommends a portfolio of exchange-traded funds (ETFs).

And in terms of net worth tracking, Betterment lets you connect your other bank accounts to its platform. From there, you can track all of your assets and liabilities using its central dashboard. Betterment also highlights a risk score across your retirement accounts and can even find hidden fees or management fees that are too high. And the platform also lets you create goals so you can monitor your net worth while working towards various financial milestones.

Betterment charges a fee to manage your investments. For anything under $100,000, you will be charged annually 0.25% of your assets under management. And if you have over $100,000, you'll be charged 0.40% and get extra perks like getting unlimited access to their CFPs.

If you're an Excel or Google Sheets fan, Tiller is the best net worth tracker you can use. This spreadsheet-based tool lets you track all of your finances using robust spreadsheet templates. This makes it easy to track daily spending, income, and your overall net worth in an organized fashion.

And if you're not a spreadsheet wizard, Tiller is still easy to use. The platform has pre-built templates, and once you connect your bank accounts to your Tiller account, it can auto-fill spreadsheet data for you. The foundation template includes a net worth tracker, budgeting section, income tracker, and yearly budget breakdown. And you're always free to edit fields or create custom rules to categorize expenses and income differently.

Plus, there are plenty of other templates you can use, including ones for budgeting, paying off debt, retirement planning, and analyzing your spending.

There's a 30-day free trial to test out the spreadsheets. Afterwards, Tiller costs $79 annually, which is $6.58 per month.

Kubera calls itself the “world's most modern net worth tracker,” which is certainly a large claim. However, it's one of the best net worth tracking apps if you want to monitor your investment portfolio.

With Kubera, you can connect pretty much any major online broker to your account and track your stock, ETF, and mutual fund holdings. Plus, it works with almost every major crypto exchange and wallet, so you can track your crypto investments and even NFTs you own.

Other assets like real estate, vehicles, precious metal, and even domain names all work with Kubera as well. And since it connects with 20,000+ banks from around the world, it's globally-friendly as well. And the platform also calculates rates of return (IRR) for every asset you own automatically.

There's a 14-day trial for $1. Afterwards, Kubera costs $150 per year. A lack of a free plan is a downside, but Kubera is still one of the most comprehensive net worth tracking apps on the market.