Best Net Worth Trackers (2026): An Honest Comparison
Most net worth trackers make the same trade: automatic bank sync in exchange for your logins, or full privacy in exchange for live prices. Here is a fair look at the leading tools, and where each one actually wins.
How to Read This Comparison
There is no single best net worth tracker, only the best one for how you invest and what you are willing to trade. The two decisions that matter most are whether you are comfortable connecting your bank and brokerage accounts, and whether you need live prices that update on their own. Almost every tool below is excellent at something and a poor fit for someone. We have tried to say plainly which is which.
We compared each tool on five things that actually change the day-to-day experience: whether it requires a bank login, whether it fetches live prices automatically, whether it handles more than one currency, who it is genuinely best for, and what it costs.
The Tools at a Glance
| Criterion | MyMoneyViz | Kubera | Empower | Monarch | Copilot | YNAB | Spreadsheet |
|---|---|---|---|---|---|---|---|
| No bank login required | |||||||
| Live automatic prices | |||||||
| Multi-currency | |||||||
| Best for | Private net worth + live prices | All-asset balance sheet | US retirement snapshot | Budgeting + net worth | iOS / Mac budgeting | Zero-based budgeting | Full DIY control |
| Price | Free to start | $249 / yr | Free (advisory) | $99.99 / yr | ~$99 / yr | $109 / yr | Free |
Pricing and features verified July 2026 from each tool's site and public reviews: Kubera ($249/yr), Monarch Core ($99.99/yr), Copilot (~$99/yr), YNAB ($109/yr), Empower (free dashboard, advisory from ~0.89%/yr). Details change; confirm on each vendor's site before buying.
The Tools, One by One
Kubera — best all-asset balance sheet
Kubera is the most complete aggregator on this list. It syncs 20,000+ institutions worldwide, covers exotic assets like private equity and collectibles, and adds beneficiary and estate planning nothing else matches. The catch is the price, $249/year, and that it is built around account aggregation. Best for people with genuinely diverse, multi-institution wealth who want hands-off syncing. See the full Kubera comparison.
Empower — best free US dashboard
Empower (formerly Personal Capital) offers a free, polished dashboard with a strong retirement planner and fee analyzer. It is free because it is the front end for a paid advisory service, so expect sales contact as balances grow, and it is US-centric and single-currency. Best for US investors who want a free snapshot and do not mind aggregation or the occasional advisor call. See the full Empower comparison.
Monarch — best budgeting app with net worth
Monarch became the go-to Mint replacement for good reason: strong budgeting, clean design, shared household access, and net worth tracking on top. Core is $99.99/year. It is a budgeting engine first, bank-sync based, US-focused, and single-currency. Best for couples who genuinely want to budget together. See the full Monarch comparison.
Copilot Money — best design on Apple devices
Copilot is a beautifully designed budgeting and tracking app that began iOS-only and has since added Mac and a limited web app. It leans on bank sync, is US-focused (10,000+ institutions), and runs around $99/year. Best for Apple users who want a polished budgeting experience and are happy connecting accounts.
YNAB — best for hands-on budgeting discipline
You Need A Budget is a zero-based budgeting system with a devoted following. It is about assigning every dollar a job, not tracking a portfolio, and its investment and net worth features are secondary. At $109/year, it is worth it for people who want the method. If your goal is watching net worth grow rather than budgeting, it is the wrong tool.
A spreadsheet — best for total control
A spreadsheet is free, completely private, and infinitely flexible. Many serious trackers never leave one. The downside is real: no live prices without fiddly formulas or add-ons, manual currency conversion, and upkeep that gets tedious as holdings grow. Spreadsheets vs apps, compared.
MyMoneyViz — best for private tracking with live prices
We built MyMoneyViz to fill the gap the rest of this list leaves open. Every other tool makes you choose: connect your accounts to get live prices, or go manual and lose them. MyMoneyViz does neither, you enter your positions once and it fetches live prices for stocks, ETFs, and crypto in any currency, with no bank login ever. It is a net worth and portfolio tracker, not a budgeting app, and the base tracking is free to start. It is the best fit if you want an always-current net worth number without handing your logins to an aggregator, and it is honestly not the pick if you specifically want budgeting, transaction categorization, or estate-planning features.
The Bottom Line
If you want automatic transaction sync and budgeting and you are comfortable connecting accounts, Monarch, Copilot, or YNAB will serve you well. If you have complex, multi-institution wealth, Kubera is the most complete. If you are a US investor who wants a free snapshot, Empower is hard to argue with. And if your priority is privacy plus live prices, without bank logins or a subscription, that is exactly the niche MyMoneyViz was built for.
Go Deeper
The private, no-subscription take on Kubera's all-asset tracker.
A multi-currency, no-advisory alternative to Empower's dashboard.
Net worth tracking without a budgeting-first, bank-sync app.
Where today's trackers fit for former Mint users.
For European investors who want tracking without account sync.
The manual, private workflow explained step by step.