Disclosure: WealthNX is the publisher of this article and references its own services where relevant. Other apps are described based on publicly available information as of August 2026. Features, pricing, and availability may change. Verify current details directly with each provider before making a decision.
Quick Answer
The five net worth trackers compared in this article are WealthNX (our pick for crypto alongside traditional accounts), Empower (a strong free option), Monarch Money (may be particularly suitable for couples and households), Quicken Simplifi (an affordable paid option), and Rocket Money (stands out for subscription cleanup alongside net worth). Each serves a different starting point. The right one depends on which accounts you hold, whether you need crypto tracking, and how much you are willing to pay.
Three in four Americans cannot estimate their net worth without opening an app or logging in somewhere, according to a 2026 Western & Southern Financial Group survey. Only 23 percent track it regularly, and one in four have never calculated it at all.
That gap has created a growing market of apps designed to do the math for you. But the options look more alike than they are. One app might handle crypto tracking well and ignore budgeting entirely. Another might be beautifully designed but only available on iOS. A third might be free for core features but use the dashboard as an entry point for a separate paid service.
This comparison is written to help you see past the marketing pages and figure out which tool actually fits your situation. Each app is evaluated on what it does well, where it falls short, what it costs, and who it is built for.
1. WealthNX
Our pick for: People who hold crypto alongside bank and brokerage accounts and want one connected view
Pricing: Free tier available. Paid plans for full AI and multi-account features. Verify current pricing at wealthnx.ai
WealthNX can connect to supported bank and brokerage accounts through read only connections and supports cryptocurrency tracking through read only API keys for supported exchanges and public wallet address monitoring for on-chain holdings. It combines assets and liabilities into a single connected net worth figure, shows trends over time, and provides an AI assistant that surfaces informational observations based on available data from your connected accounts. WealthNX holds ISO 27001 certification, the internationally recognized standard for information security management.
Pros
• Tracks crypto holdings from supported exchanges and wallets alongside traditional accounts in one connected view
• AI assistant that can answer plain language questions based on available data from connected accounts
• Includes liabilities in the connected net worth figure, not just assets
• ISO 27001 certified with a clear privacy policy stating financial data is not sold
• Free tier available for initial evaluation
Cons
• As a newer platform, the connection library for some smaller financial institutions continues to expand
• Not built as a structured budgeting tool with category limits and spending targets
• Household and couples collaboration features are less developed than some alternatives
WealthNX is the publisher of this article and references its own services where relevant. The same evaluation standard applies: connect your real accounts and verify the results before relying on any tool.
2. Empower (formerly Personal Capital)
May be a good option for: Free net worth tracking with analysis tools for retirement and account aggregation
Pricing: Free for the dashboard. Optional paid wealth management service at 0.89% of assets under management
Empower offers one of the most established free net worth dashboards in the US market. It connects to bank, brokerage, retirement, and credit card accounts, calculates net worth from connected balances, and provides portfolio analysis tools including an allocation checkup, a retirement planner, and a fee analyser. The platform was originally called Personal Capital and rebranded in 2023 after being acquired by Empower Retirement.
Pros
• Completely free for the core net worth and financial dashboard
• Connects to a wide range of US financial institutions
• Strong analysis tools including retirement planner, fee analyser, and allocation checkup
• Net worth trend tracking over time with clean visual charts
• Available on web, iOS, and Android
Cons
• The interface design has remained relatively consistent over recent years, which some users may find less modern compared to newer entrants in the category
• Limited crypto tracking capabilities as of mid-2026
• The free dashboard is used as a lead generation tool for Empower’s paid wealth management services, which means occasional prompts to meet with an advisor
• Budgeting tools are basic compared to dedicated budgeting platforms
3. Monarch Money
May be particularly suitable for: Couples and households who want shared finance visibility alongside budgeting and net worth
Pricing: $99.99/year (Core) or $14.99/month. 7-day free trial. No free tier
Monarch Money is a comprehensive finance app that gained significant traction after Mint shut down in early 2024. Its core strength is budgeting, but it also provides a net worth dashboard that tracks assets and liabilities over time. It supports household collaboration, allowing partners to share access at no extra cost. Monarch added credit score tracking in 2026 and has been building out its AI assistant features.
Pros
• Beautifully designed interface that is consistently praised in reviews for clarity and ease of use
• Household collaboration with no per-user fees, including yours, mine, and ours labels added in 2026
• Net worth tracking includes both assets and liabilities with historical trends
• Credit score tracking added in 2026 with monthly updates, trend graphs, and household sharing
• An AI assistant that can answer questions about connected spending and budget data
• Syncs with over 11,000 financial institutions
Cons
• Crypto tracking is limited to Coinbase for real-time syncing. Other exchanges and wallets require manual entry, according to multiple 2026 reviews
• No free tier. The 7-day trial may not be long enough for a thorough evaluation
• Pricing is at the higher end of the budgeting app market
• US and Canada only, with USD as the only supported currency
4. Quicken Simplifi
May be a good option for: People who want a solid net worth view bundled with budgeting at a lower price point
Pricing: Approximately $5.99/month or $47.88/year. 30-day money-back guarantee
Quicken Simplifi is the cloud-based modern version of Quicken’s long-running personal finance software. It connects to bank, brokerage, and loan accounts, calculates net worth from connected balances, and provides budgeting tools through a spending plan and category watchlists. It also tracks bills and subscriptions. Quicken has been building personal finance tools for over 40 years, and Simplifi carries that institutional depth into a lighter, more modern interface.
Pros
• One of the most affordable paid options with a broad feature set for the price
• Net worth view includes connected assets and liabilities
• Clean interface that is noticeably simpler than Quicken’s traditional desktop product
• Bill tracking and subscription management included
• Available on web, iOS, and Android
• 30-day money-back guarantee gives more evaluation time than a typical free trial
Cons
• No crypto tracking as of mid-2026
• Household collaboration features are not as developed as Monarch’s
• The app has been the subject of pricing changes over the past year, which some users have noted in reviews
• Lacks a conversational AI assistant for plain-language questions about connected data
5. Rocket Money
Stands out for: People whose first priority is spotting and cancelling unnecessary subscriptions, with net worth as a bonus
Pricing: Free tier available. Premium approximately $6 to $12/month (pay-what-you-think-is-fair model). Verify current pricing with Rocket Money
Rocket Money started as Truebill and has built its reputation primarily around subscription detection and cancellation. It connects to bank and credit card accounts, identifies recurring charges, and offers a bill negotiation service. Net worth tracking is available on the Premium plan, making it more of a bonus feature than the app’s core focus. For someone whose biggest financial frustration is not knowing what they are paying for every month, this is often the right entry point.
Pros
• Strong subscription detection and cancellation tools
• Free tier gives a useful starting view of recurring charges
• Net worth tracking included on the Premium plan
• Budget tracking and spending insights from connected accounts
• Flexible pricing model on Premium
Cons
• Net worth tracking is a secondary feature, not the primary focus of the product
• No crypto tracking as of mid-2026
• Bill negotiation service is a separate offering with results that may vary depending on the provider and account
• The pay-what-you-think-is-fair pricing model makes direct cost comparison harder
• Less suited for someone whose primary need is a comprehensive net worth picture
Quick Comparison Table
| App | Crypto | Liabilities | Free tier | AI assistant | Approx. cost |
| WealthNX | Supported exchanges and wallets | Yes | Yes | Yes | Freemium |
| Empower | Limited | Yes | Yes | No | Free (dashboard) |
| Monarch Money | Coinbase only; others manual | Yes | No | Yes | $99.99/year |
| Quicken Simplifi | No | Yes | No | No | ~$5.99/month |
| Rocket Money | No | Yes | Partial | No | $6 to $12/month |
Note: All features and pricing reflect publicly available information as of August 2026 and may change. Verify current details directly with each provider.
How to Choose the Right One for You
If you hold crypto alongside traditional accounts
WealthNX stands out for tracking cryptocurrency holdings from supported exchanges and wallets alongside bank and brokerage accounts in one connected view. Empower offers limited crypto capabilities, and Monarch syncs with Coinbase in real time but requires manual entry for other exchanges. Quicken Simplifi and Rocket Money do not track crypto as of mid-2026.
If you want the best free option
Empower offers a well-established free net worth dashboard with retirement planning and portfolio analysis tools included at no cost. The free dashboard is supported by Empower’s separate paid advisory service, which users may see promoted within the app.
If you manage finances as a couple or household
Monarch Money offers well-developed household collaboration features, with shared access, no per-user fees, and the yours, mine, and ours labelling system added in 2026.
If you want net worth tracking at the lowest price
Quicken Simplifi offers a solid net worth view alongside budgeting tools at approximately $5.99 per month, making it one of the most affordable paid options in the category.
If subscriptions are your biggest blind spot
Rocket Money may be a good option for this. Subscription detection is a core focus of the product, and net worth tracking on the Premium plan is a useful addition once your recurring charges are under control.
Summary
There is no single best net worth tracker for everyone. The right app depends on where your financial life actually is: which accounts you hold, whether crypto is part of the picture, whether you manage finances with a partner, and how much you are willing to pay.
The most reliable test for any of these tools is the same one regardless of which you choose. Connect your real accounts, check the number it produces against your own understanding, and see whether the app tells you something useful you did not already know. If it passes that test, it is worth keeping. If it does not, the next one on this list might.
Frequently Asked Questions
What is the best free net worth tracker app in 2026?
Empower offers a well-established free net worth tracking dashboard, with connected account aggregation, a retirement planner, and analysis tools at no cost. WealthNX also offers a free tier for initial evaluation. Monarch Money and Quicken Simplifi do not have free tiers, though both offer short trial periods.
Which net worth tracker app supports cryptocurrency?
WealthNX supports crypto tracking through read only API keys for supported exchanges and public wallet address monitoring for on-chain holdings. Monarch Money syncs with Coinbase in real time but requires manual entry for other exchanges. Empower has limited crypto capabilities. Quicken Simplifi and Rocket Money do not track crypto as of mid-2026. Cryptocurrencies are highly volatile and connected values will fluctuate.
Do net worth tracker apps include debt?
All five apps on this list include liabilities, such as credit cards, loans, and mortgages, in their net worth calculation. An app that only tracks assets without liabilities is not showing a complete net worth calculation.
How often should I check my net worth?
Many people find that checking once a month provides a useful level of visibility without creating unnecessary anxiety from short-term fluctuations, particularly for anyone holding volatile assets like crypto. The right frequency depends on your own situation and how much variability exists in your connected accounts.
Sources
• Western & Southern Financial Group survey, reported via InvestmentNews, 2026.
• The College Investor, Monarch Money Review 2026, June 2026.
• The College Investor, Empower Review 2026, April 2026.
• FinanceBuzz, Monarch Money Review 2026, April 2026.
• FinCompareLab, Monarch Money Review 2026, June 2026.
• ChooseFI, Empower Review 2026, March 2026.
• Monarch Money, official features and security documentation, monarchmoney.com, accessed August 2026.
Disclaimer
This article is for general informational and educational purposes only and does not constitute financial advice. WealthNX is the publisher of this article and references its own services where relevant. This is not an independent review. All other apps are described based on publicly available information as of August 2026 and may change. Verify current details directly with each provider. WealthNX holds ISO 27001 certification.
All AI generated observations from finance apps are informational only and are not personalised financial advice. Responses are generated from available data from connected accounts and may be affected by incomplete, delayed, or unavailable data from connected accounts. Cryptocurrencies are highly volatile and may experience significant price fluctuations. For advice tailored to your situation, consult a licensed financial advisor.
