10 Best Apps to Track Your Net Worth and Investments

Watching your net worth grow is probably the most satisfying part of managing money. But in 2026, it is not just about checking a bank balance once a month. Between traditional stocks, crypto wallets, real estate, and maybe even some private equity or digital collectibles, your wealth is likely spread across a dozen different platforms.

That is why finding the Best Net Worth and Investment Tracking Apps 2026 is the first step toward actual financial freedom. These tools act like a flight deck for your money, showing you exactly where you stand so you can stop guessing and start growing. By centralizing your data, you eliminate the mental fatigue of logging into ten different portals. Instead, you get a singular, honest look at your progress that helps you make better decisions about when to save, when to spend, and when to finally take that dream vacation.

Why Wealth Tracking Shifted in 2026?

The way we look at wealth has changed dramatically over the last few years. We have moved past simple spreadsheets and entered an era where AI-driven insights and real-time data are the standard. Today, a good net worth tracker does more than just add up numbers; it identifies trends, flags high fees, and even predicts your future retirement date based on your current trajectory. You need a tool that can handle the complexity of modern portfolios while keeping the interface simple enough that you actually want to check it every morning. Modern investors are no longer satisfied with static data; they want to know how a 1% shift in interest rates or a sudden market dip affects their long-term stability. The integration of “smart” alerts now means your app can nudge you if your cash reserves are too high or if you are over-exposed to a single tech stock.

The Rise of Alternative Assets

Most people no longer just hold a 401(k) and a savings account. By 2026, it is common to have assets in decentralized finance, real estate syndications, or even high-end collectibles. If an app cannot track your Bitcoin or your home value through a live feed, it is already behind the curve. The best tools now integrate with thousands of institutions globally to ensure your net worth reflects every single dollar you own. This includes everything from fractional shares of artwork to the equity in your startup.

The Power of Predictive Analytics

The newest wave of apps uses your historical spending and investment data to forecast where you will be in ten years. This is not just a guess; it is a calculated model that accounts for inflation, market volatility, and your specific savings rate. This level of detail helps you make massive life decisions, like whether you can afford to quit your job or if you need to adjust your investment strategy to hit your goals. It turns your financial history into a roadmap for your future self.

Best Net Worth and Investment Tracking Apps 2026

When looking for the top tools this year, we focused on accuracy, security, and how much work they require from you. The goal is to spend less time entering data and more time analyzing it. The following list covers everything from free dashboards to high-end premium platforms designed for complex estates. In 2026, the best apps have solved the “connection” problem, meaning you rarely have to re-enter your passwords. They prioritize a seamless user experience so that the barrier between you and your financial truth is as thin as possible. Whether you are a college student starting your first brokerage account or a retiree managing a multi-million dollar portfolio, there is a specific platform tailored to your needs.

1. Empower: The Undisputed King of Free Tracking

Empower remains the top choice for anyone who wants a professional-grade dashboard without a monthly subscription fee. It excels at investment analysis, offering a “Portfolio Checkup” that compares your current holdings to an ideal model. It is particularly strong for US-based investors who want to see their retirement path clearly mapped out. While the company offers wealth management services for a fee, the software itself is robust and free to use for anyone who wants to link their accounts. Its ability to drill down into the expense ratios of your mutual funds is still unmatched in the free tier. You can see exactly how much your “low-fee” funds are actually costing you over a thirty-year horizon, which is often a wake-up call for many.

Comprehensive Retirement Planning

The Retirement Planner tool is perhaps Empower’s most famous feature. It allows you to run “what-if” scenarios, such as adding a child’s college tuition or a major home renovation, to see how it impacts your success probability. It pulls in your actual spending data to give you a realistic view of what your retirement lifestyle will cost.

Professional-Grade Portfolio Analysis

For those who want to play the market, the Investment Checkup tool analyzes your asset allocation. It looks for “overweight” sectors and suggests rebalancing strategies. This level of detail is usually reserved for paid financial advisors, but Empower provides it as part of their free suite to help you optimize your risk-adjusted returns.

2. Monarch Money: Best for Modern Households

If you manage money with a partner, Monarch Money is the most polished option available in the search for the Best Net Worth and Investment Tracking Apps 2026. It allows two people to have separate logins while looking at a shared dashboard, which is a lifesaver for couples who want transparency without sharing a single password. The interface is clean, ad-free, and incredibly customizable, making it easy to categorize even the weirdest transactions. Monarch also stands out because it allows you to choose between multiple data providers like Plaid, Finicity, and MX, ensuring you have the most stable connection to your bank. This flexibility is a game-changer for those whose niche credit unions often break on other platforms.

Collaborative Financial Dashboards

Monarch was built with the “household” in mind rather than just the individual. Partners can leave comments on specific transactions or set joint goals for a house down payment or a wedding. This collaborative spirit helps reduce “money friction” between couples by keeping everyone on the same page in real-time.

Advanced Customization Options

Unlike some apps that force you into their categories, Monarch lets you build your own system from the ground up. You can create custom rules to auto-categorize recurring expenses or tag specific items for tax season. It also features a “Recap” function that gives you a monthly visual breakdown of your net worth wins and losses.

3. Copilot: The Privacy-First Apple Favorite

Copilot has won over the Apple crowd with its stunning iOS and Mac apps that feel like they were designed by the same people who built the iPhone. It uses a local-first data model, meaning your financial details stay on your device more than they do in the cloud, offering a higher level of privacy. It is fast, intuitive, and uses machine learning to categorize your spending better than almost any other app on the market. The developers are incredibly responsive to the community, frequently adding features like Apple Card integration and advanced crypto tracking. For the user who wants their finance app to be as beautiful as the rest of their tech stack, Copilot is the gold standard.

Machine Learning Categorization

Copilot’s “intelligence” actually improves the more you use it. It learns that your local coffee shop visit should always be tagged under “Dining,” and it can even distinguish between your regular Amazon purchases and your business-related ones. This reduces the time you spend manually fixing errors to almost zero.

Apple Ecosystem Integration

Because it is built exclusively for Apple users, it takes advantage of features like Widgets, App Clips, and Handoff. You can start reviewing your net worth on your iPhone during your commute and finish a deep-dive analysis on your Mac when you get home. The design language is consistent, making it feel like a part of your daily digital life.

4. YNAB (You Need A Budget): Best for Building Wealth

While technically a budgeting app, YNAB is a powerhouse for net worth tracking because it changes your behavior at the root level. By giving every dollar a job, you naturally see your liabilities shrink and your assets grow over time. It is the best tool for people who are aggressive about paying off debt to increase their total net worth. YNAB’s philosophy is built on four simple rules that turn “spending” into “wealth building.” Many users report that within their first year, they have seen their net worth swing from negative to positive simply because they finally understood where their money was leaking.

The Psychology of Wealth

YNAB doesn’t just show you a chart; it forces you to confront your priorities. When you want to buy something, you have to decide which other “bucket” that money is coming from. This intentionality is the secret sauce to increasing your net worth. It turns the passive act of “tracking” into the active act of “creating” wealth.

Aggressive Debt Paydown

The app includes dedicated tools for managing loans and credit cards. It calculates how much interest you will save by making extra payments, which is a massive motivator. Watching your “Debt” bar graph shrink while your “Assets” bar grows is a powerful visual feedback loop that keeps you on track during long financial journeys.

5. Kubera: The Portfolio Tracker for Global Wealth

Kubera is built for the “modern” wealthy individual who might have bank accounts in three different countries and a stash of crypto in a cold wallet. It handles multiple currencies and alternative assets better than anyone else in the Best Net Worth and Investment Tracking Apps 2026 category. It is a premium, paid service that prides itself on never selling your data or pushing financial products on you. Kubera’s interface is more like a high-end spreadsheet than a flashy app, which appeals to users who have complex needs like tracking private equity, venture capital stakes, or even physical gold. It also offers an “Estate Vault” feature that allows you to safely pass on your financial details to your heirs in case of an emergency.

Tracking Global and Alt Assets

If you own property in London, have a startup in San Francisco, and hold Bitcoin in a hardware wallet, Kubera is the only app that can accurately consolidate that into one number. It uses real-time exchange rates for every currency on the planet, so your net worth is always accurate to the minute, regardless of where your assets live.

The “Dead Man’s Switch” for Estates

One of Kubera’s most unique features is its focus on legacy. You can designate a beneficiary who will receive access to your “Life Box” if you fail to check in after a certain period. This ensures that your family can find all your accounts, insurance policies, and digital keys, preventing your wealth from being lost to the “unclaimed property” bins of the world.

6. Tiller Money: The Spreadsheet Lover’s Dream

Tiller automatically feeds your bank and investment data directly into Google Sheets or Microsoft Excel, giving you the ultimate control over your data. If you love pivot tables and custom charts, Tiller handles the boring part (data entry) while letting you keep the flexibility of a spreadsheet. This is the only tool that allows you to own your data completely. If Tiller were to ever go out of business, your data still lives in your personal sheet, not on a proprietary server. It’s perfect for the “DIY” crowd who wants to build their own specific net worth models or tax-planning dashboards.

Automated Data Feeds

The core of Tiller is its “Foundation Template,” which gives you a head start on categorizing transactions. However, because it’s a spreadsheet, you can create your own scripts to auto-sort your data. It updates every 24 hours, meaning your net worth is always ready for you when you open your laptop on a Monday morning.

Infinite Customization

Want to see your net worth projected against the S&P 500? Or maybe you want a chart that shows your wealth growth compared to your age? In Tiller, if you can dream it in Excel, you can build it. There are no “walls” or limitations on how you view your money, making it the most powerful tool for data nerds.

7. PocketSmith: Best for Long-term Forecasting

PocketSmith is essentially a financial time machine that allows you to look thirty years into the future. It uses your current net worth and spending habits to project your bank balances based on different life events. It is ideal for people who are obsessed with “what-if” scenarios, like seeing how a new mortgage or a career change would impact their retirement age. PocketSmith doesn’t just look at what you spent yesterday; it looks at every scheduled bill and expected paycheck for the next few decades. This long-term perspective helps you realize that a small $100 increase in your monthly savings today could result in hundreds of thousands of dollars more by the time you stop working.

The Financial Time Machine

The calendar-based interface allows you to see your future balance on any given day. If you are planning a big purchase in six months, you can “test” it in the app to see if your cash flow will stay positive. This level of granular forecasting is rare and provides a level of comfort that most “history-only” trackers cannot.

Multi-Scenario Testing

You can create multiple “life tracks” to compare. Track A might be “Staying in my current job,” while Track B is “Moving to a new city for a higher salary.” Seeing the visual divergence in your net worth over twenty years makes the right choice obvious and helps remove the anxiety from big life changes.

8. Quicken Simplifi: The Reliable Hybrid Tracker

Simplifi offers a middle ground between a simple mobile app and the heavy-duty power of the original Quicken software. It is reliable, connects to almost every bank imaginable, and provides a very clear view of your net worth without the clutter of more complex platforms. For those who grew up using Quicken on their desktop but want something modern and cloud-based, Simplifi is the perfect upgrade. It balances “budgeting” with “wealth tracking” by focusing on a “Spending Plan” rather than a rigid budget. This makes it much easier to stick with over the long term, as it accounts for the natural ebb and flow of a typical monthly lifestyle.

A Modern Take on a Classic

Simplifi takes the decades of experience Quicken has with bank connections and packages it into a beautiful, ad-free mobile app. It avoids the “clutter” that often plagues legacy financial software, focusing instead on the most important metrics: How much is coming in, how much is going out, and how is your net worth changing?

Watchlists and Goals

You can set up “Watchlists” for specific spending categories, like “Dining Out” or “Amazon,” if you feel they are getting out of hand. Similarly, its goal-tracking feature allows you to visualize your progress toward a specific net worth milestone, providing that extra boost of motivation when you are close to hitting a big number.

9. Rocket Money: The Simplest Entry Point for Beginners

Rocket Money is great if you are just starting your wealth-tracking journey and feel overwhelmed by spreadsheets or complex investment jargon. It is famous for finding and canceling unwanted subscriptions, but its net worth dashboard is surprisingly effective for its simplicity. It is easy to use and provides a quick “at-a-glance” view of your financial health. Because it also tracks your credit score and offers bill negotiation services, it serves as a “one-stop shop” for improving your overall financial standing. If your primary goal is to “clean up” your money before you start worrying about advanced asset allocation, Rocket Money is the best place to start.

Subscription Cleanup as a Wealth Builder

By identifying $50 to $100 in unused subscriptions every month, Rocket Money literally “finds” money that you can then redirect into your investments. This simple act can have a massive impact on your net worth over time due to the power of compounding. It’s the lowest-effort way to start seeing your numbers move in the right direction.

Credit Score Integration

Your credit score is a major factor in your net worth because it determines the interest rates you pay on liabilities like mortgages and car loans. Rocket Money keeps this number front and center, helping you understand the direct link between your credit health and your total wealth growth.

10. Wealthfront: Best for Automated Growth

While primarily a robo-advisor, Wealthfront offers a free tool called “Path” that is one of the best net worth and retirement planners in the Best Net Worth and Investment Tracking Apps 2026 market. It uses real market data and sophisticated algorithms to tell you if you are on track for your goals. It accounts for things like social security, inflation, and future tax rates, providing a level of accuracy that manual calculators just can’t match. You don’t even have to invest with Wealthfront to use the Path software; you can simply link your external accounts and use it as a powerful, automated planning tool. It’s perfect for the “passive” investor who wants to know they are safe without having to check the market every day.

Automated Retirement Projections

Path looks at your linked accounts and your current spending to calculate exactly when you can retire and how much you can spend when you get there. It even adjusts for the specific cost of living in the city where you plan to live. It is the most “hands-off” way to ensure your financial future is secure.

Tax-Efficient Planning

If you do choose to use Wealthfront’s investment services, the app integrates tax-loss harvesting and other advanced strategies directly into your net worth view. This allows you to see the “hidden” wealth you are keeping by minimizing your tax bill, which is a critical part of long-term net worth growth that many other apps ignore.

Security and Your Financial Data in 2026

One of the biggest concerns when using the Best Net Worth and Investment Tracking Apps 2026 is security. In 2026, the standard has moved beyond simple passwords. The top apps now use multi-factor authentication and “read-only” access, meaning the app can see your balance but has no way to actually move or withdraw your money. This layer of protection is essential for peace of mind. Most developers now also undergo rigorous third-party audits (like SOC 2 compliance) to prove that their internal systems are as secure as the banks they connect to. When you link an account, you aren’t giving the app your password; you are giving it a “token” that only allows it to view the data you’ve approved.

Understanding Data Aggregators

Most of these apps do not build their own connections to banks. Instead, they use services like Plaid or Finicity. These are like secure bridges that carry your data from the bank to the app without ever exposing your login credentials to the app developer. This decentralized way of handling data is one of the reasons why modern financial apps are significantly safer than the tools we used a decade ago. It also means that if you change your bank password, you only have to update it in one place to keep all your apps running smoothly.

Privacy and Data Ownership

The “free” vs. “paid” debate often comes down to privacy. If an app is free, they are often making money by showing you ads or recommending financial products. Paid apps, like Monarch or Kubera, generally have a much stricter privacy policy. They make money from your subscription, which means they do not need to sell your information to third parties to keep the lights on. For users with high net worths, paying a small annual fee is often a worthwhile trade-off for the added layer of data privacy and the absence of annoying sales pitches.

How to Choose Based on Your Financial Persona

Choosing the right app is a personal decision that depends on how much you enjoy looking at your numbers. Some people want to dive into the weeds every single day, while others just want a notification if something goes wrong. Understanding your “money style” will help you pick a tool you will actually stick with over the long term. If you find an app too complex, you’ll stop using it; if it’s too simple, you won’t trust the data. Matching the tool to your personality is the secret to a long-term habit of wealth tracking.

The Power User vs. The Minimalist

If you are a power user, you want a tool like Tiller or Empower. You care about expense ratios, tax-loss harvesting, and asset allocation across different tax buckets. You probably enjoy spending an hour on a Sunday morning looking at your charts. On the other hand, if you are a minimalist, you just want to know your “one number.” Apps like Rocket Money or Copilot are designed for you. They give you the answer quickly and get out of your way, focusing on the big picture rather than the minute details.

Tracking the “Hidden” Wealth

Do not forget about the assets that are not in a bank. Your home, your car, and even your fine jewelry are part of your net worth. Many of the Best Net Worth and Investment Tracking Apps 2026 now integrate with services like Zillow or Kelley Blue Book to give you a live estimate of what your physical property is worth. Seeing your mortgage go down while your home value goes up is one of the fastest ways to stay motivated during a market downturn, as physical real estate often acts as a stabilizer for your total wealth.

The Future of Wealth Management Technology

As we look toward the end of 2026 and beyond, we are seeing the lines between tracking and managing start to blur. It is no longer enough for an app to just tell you that you have $100,000. The next generation of tools will tell you that $10,000 of that is sitting in a low-interest account and should be moved to a high-yield option. This proactive advice is turning net worth trackers into digital financial advisors. We are entering an era of “Self-Driving Money” where the software does the heavy lifting of optimizing your finances so you can focus on living your life.

AI as Your Personal CFO

Artificial intelligence is now capable of spotting patterns that a human might miss. For example, an AI-powered tracker might notice that your insurance premiums have slowly crept up over the last three years and suggest a cheaper competitor. Or, it might see that your portfolio has become too heavy in tech stocks and suggest a rebalance. This is the level of sophistication that defines the Best Net Worth and Investment Tracking Apps 2026. These tools are becoming proactive partners rather than passive ledgers.

Seamless Integration of All Life Aspects

We are also seeing apps connect to more than just financial institutions. Some now link to your estate planning documents, your insurance policies, and even your career milestones. The goal is to have a 360-degree view of your “human capital” as well as your financial capital. This holistic approach ensures that your net worth isn’t just a number on a screen, but a reflection of your overall life progress. By 2027, expect to see your health insurance and even your estimated social security benefits fully integrated into these dashboards.

Final Thoughts

Choosing a tool from the Best Net Worth and Investment Tracking Apps 2026 is about more than just seeing a number. It is about gaining the clarity you need to make better life choices. Whether you want the deep investment insights of Empower, the beautiful design of Copilot, or the rigid discipline of YNAB, the right tool is the one you will actually use. Start by linking your main accounts and watching the data for a month. You will likely be surprised at how much more in control you feel once the “big picture” of your wealth is finally in focus. When you stop worrying about the math, you can start focusing on the meaning of your money.