The best net worth tracker apps, by what you are actually tracking
Six apps, what each one is built for, and the published price behind every claim.
There is no single best net worth tracker, because the category splits by what you are tracking. Empower's Personal Dashboard is free and the strongest free option. Monarch is built for two people budgeting together. Copilot is an Apple-platform app and a 2024 Apple Design Awards finalist. Quicken Simplifi pairs budgeting with net worth in one subscription. Kubera is built for trusts, private stock and multiple entities. Net Worth Nexus (this site) is built for closed-trade investment analysis: realized gains, FIFO lot matching and options as contracts. Every price below was read off the vendor's own page on the date shown beside it.
At a glance
Prices come from each vendor's own page rather than a press release or a third-party round-up. The date beside a figure is the day that page was last opened, not the day this article was deployed, which is a distinction most comparison pages quietly skip.
| App | Best for | Published price | Verified |
|---|---|---|---|
| Empower Personal Dashboard | Best free dashboard | Free | September 2, 2026 |
| Monarch | Best for couples and households | $99.99 / year | September 2, 2026 |
| Copilot | Best design on Apple platforms | $95 / year | September 2, 2026 |
| Quicken Simplifi | Best budgeting and net worth in one subscription | $3.99 / month, billed annually | September 18, 2026 |
| Kubera | Best for trusts, private stock and multiple entities | $250 / year | September 2, 2026 |
| Net Worth Nexusthis site | Best for closed-trade investment analysis | $0 / $4.99 / $9.99 per month | September 2, 2026 |
The apps, and what each one is for
Ordered by use case rather than by rank. We publish this page and we are one of the six, so there is no overall winner here. An implied superiority claim is something an advertiser has to substantiate, and across six products with different goals nobody can.
Empower Personal Dashboard
A net worth and portfolio dashboard published by a retirement and wealth-management firm. The tools are free; the business behind them is advisory.
Price. Empower's own FAQ: “Nothing! The dashboard experience and financial tools are completely free and take just a few minutes to set up.” Signing up requires an email address and a phone number.
What it does that we do not. It costs nothing, and its retirement planner is a tool we do not ship at any tier. Signing up asks for a phone number.
Monarch
A budgeting and household-planning app. Investment tools sit alongside budgets, goals and cash flow rather than at the centre.
Price. Core is $99.99 a year, billed annually. Plus, which is where the advanced investment analysis sits, is $199.99 a year and annual-only. Seven-day free trial, payment method required. No free plan.
What it does that we do not. Shared household access for two people, and a budgeting system we do not attempt at all.
Copilot
An Apple-platform spending and net worth tracker, named an Apple Design Awards finalist in 2024.
Price. The App Store lists in-app purchases at $13.00 monthly and $95.00 yearly, after a one-month free trial. No free plan.
What it does that we do not. Daily spending categorisation, and a design the Apple Design Awards shortlisted in 2024.
Quicken Simplifi
A budgeting app whose product page describes cash flow, investments and net worth in a single view.
Price. Simplifi's product page lists $3.99 a month billed annually, shown against a $6.99 list price. No free plan or free trial is named on that page.
What it does that we do not. Full budgeting, which we do not do. Its product page names cost basis, performance analysis and real-time quotes among the investment features.
Kubera
A balance sheet for complex wealth: private stock, LP positions, multiple entities and trusts.
Price. Essentials is $250 a year. Black, which adds ownership tags, nested portfolios and VIP support, is $2,500 a year. Fourteen-day trial. No free plan.
What it does that we do not. Ownership tags and nested portfolios for holding companies and trusts, coverage across US, Canadian, UK, European and Asian exchanges, and an Android app. We are one person, one portfolio, United States only, and we ship no Android app.
Net Worth Nexusthis site
A net worth platform whose investment side is built around trades you have already closed: per-position realized gain and loss, FIFO lot matching, and options matched through expiration, assignment and exercise at the correct per-contract multiplier.
Price. Free is $0 with no card. Pro is $4.99 a month ($59.88 a year) and Nexus is $9.99 a month ($119.88 a year). Monthly billing, no annual lock-in.
How to choose between them
Almost everyone picks on the wrong axis. The question is not which app has the most features; it is which part of your financial life is currently invisible to you. Four questions settle it faster than any feature matrix:
- Are you trying to fix spending, or understand holdings? Budgeting apps and portfolio apps are different products wearing similar dashboards. Picking a budgeting app to analyse trades is the most common mismatch in this category.
- Is anyone else looking at it? Shared household access is a real dividing line and most apps either build for it or do not.
- What share of your net worth sits outside a brokerage or a bank? Property, private stock, LP commitments and trusts are where the general-purpose apps stop and the specialist ones start.
- Do you need closed trades, or current value? Nearly every app in this category shows what you hold right now. Far fewer answer what your finished trades actually earned.
Two of those questions have longer answers than a list item can carry. If you are still working out what belongs in the number at all, the method piece on how to track your net worth covers what counts as an asset and what quietly inflates the total. If your holdings sit at several firms, the guide to tracking investments across multiple brokerages covers the merging problem and the two tax traps it creates. Side-by-side breakdowns of the individual products are on the comparison pages.
How these prices were checked
Every figure was read off the named vendor's own public page, and each carries the date that page was opened. A stale price is a false statement of fact, so when a source stops resolving the entry is removed rather than carried forward from memory. Nothing on this page is affiliate-compensated and no vendor was contacted for placement.
Common questions
What is the best free net worth tracker?
Empower's Personal Dashboard is free according to Empower's own FAQ, which states that the dashboard experience and financial tools are completely free. Signing up requires an email address and a phone number. Net Worth Nexus also has a free plan at $0 with no card required.
Do net worth trackers need access to my bank login?
Not necessarily. Every app in this list supports entering assets by hand, and a manual-only account is a supported way to use Net Worth Nexus. Linked accounts are read-only in every case. These apps aggregate balances, they do not move money.
Which net worth app handles stock options and closed trades?
Closed-trade analysis is what Net Worth Nexus is built for: per-position realized gain and loss with FIFO lot matching on the Pro plan, and options matched through expiration, assignment and exercise at the correct per-contract multiplier. Among the others in this list, options are not named in the investment features published by Monarch, Copilot, Empower or Kubera.
How often are these prices checked?
Each price on this page carries the date the vendor's own page was last opened and read. When a source stops resolving, the entry comes out rather than being carried forward from memory. The dates are shown beside every figure.