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7 Best Net Worth Trackers in 2024

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A net worth tracker can transform your financial life by allowing you to see exactly how you are spending your money, providing a clear overview of your assets and liabilities, and helping you track your progress towards your short-term and long-term financial goals. 

With so many options available on the market, however, it can be difficult to make the right choice. To help you find the right financial tracking app, we’ve narrowed down the options available on the market to 7 contenders.

Here are the best net worth trackers in 2024:

  • Monarch – The best net worth tracker overall
  • Empower Personal Dashboard – Popular net worth tracker previously known as Personal Capital
  • Simplifi – Streamlined net worth aggregator
  • JCH – Simple and free net worth tracker
  • Tiller – Track your net worth in Microsoft Excel
  • PocketSmith – Net worth tracker with forecasting features
  • GnuCash – Open-source and free accounting software

The best net worth trackers in 2024

Before we take a closer look at each entrant in our list of the best net worth aggregators, we should point out that most net worth tracker services and apps require a payment to access their full functionality, although some offer free trials or limited features that can be accessed even by non-paying users. However, we have also featured an open-source net worth aggregator that’s completely free to use. 

1. Monarch – The best net worth tracker overall

Monarch app

Monarch is a fully-featured money management app that allows users to have a comprehensive overview of their finances. The app features connectivity with multiple financial services to automatically synchronize balances across bank accounts, investment platforms and even cryptocurrency exchanges (Coinbase). This makes Monarch a great net worth tracker that requires very little effort from the user.

Besides functioning as a net worth tracker, the Monarch app can also be used to track the performance of investments, transaction history, budgeting and progress towards financial goals. The app can also be used to identify opportunities to save money such as cancelling unnecessary subscriptions.

Monarch offers a 7-day free trial during which users can explore the app’s full functionality. After that, you can subscribe for a $99.99 annual payment ($8.33 / month) or $14.99 monthly payments. Overall, Monarch’s pricing is quite competitive considering all the features offered by the app. In addition, you can invite other members of your household for free to share your account. 

Get the Monarch App

2. Empower Personal Dashboard – Popular net worth tracker previously known as Personal Capital

Empower Personal Dashboard

Empower is a retirement plan provider that offers a popular net worth tracker app called the Empower Personal Dashboard. The app was previously known as Personal Capital before it was acquired by Empower. 

The app makes it possible to aggregate various balances such as bank accounts, investment accounts, 401k, IRA, debt and more in one place. It also has features to simplify retirement planning and budgeting. 

The Empower Personal Dashboard is a free app, although users need to provide some personal information to use it effectively. 

Get the Empower Personal Dashboard App

3. Simplifi – Streamlined net worth aggregator

Simplifi app

Simplifi is a finance management app that’s designed with a focus on user-friendliness. 

Simplifi connects to your bank accounts, allowing you to view each transaction as money flows in and out. Unlike traditional budgeting tools offered by platforms like Mint, Simplifi’s Spending Plan and Watchlists provide a more flexible setup. 

You can define and monitor financial goals, track your spending, and manage your investments, including the ability to see individual investment transactions. This functionality gives you a comprehensive overview of your financial health and activity.

The Simplifi app, which is offered by Quicken, is available for $2.99 per month (billed annually). This is one of the cheapest subscriptions among paid net worth tracking apps. 

Get the Simplifi App

4. JCH – Simple and free net worth tracker

JCH net worth tracker

JCH is a straightforward application that’s designed to help users organize their spending. The app was created by a developer called Jerry Cheung after the Mint personal finance management app, which he had previously been using, shut down its services.

Although the JCH app is not as feature-packed as some of the other apps we have featured in this article, it offers the vast majority of its functionality for free. Users who want to support the project and access additional features (custom rules and spreadsheet export) can upgrade for a one-time payment of $49.

Get the JCH App

5. Tiller – Track your net worth in Microsoft Excel

Tiller net worth tracker

Tiller is a net worth tracker and budgeting tool that works inside of Microsoft Excel. The service simplifies personal finance management by connecting to thousands of different banks and automatically importing financial data into Excel. 

This allows users to effortlessly track their daily spending, account balances, budgets, and net worth directly within their Excel workbooks, eliminating the need for manual data entry or the hassle of logging into multiple accounts.

Some of the standout features of Tiller include prebuilt templates that help users jumpstart their finance tracking, a daily email update on account activities and access to a supportive user community. Tiller also offers AutoCat, a fully customizable tool within Excel that automatically categorizes transactions, streamlining the process of managing and organizing financial data.

You can get started with Tiller through a free 30-day trial, after which the service costs $79 per year. 

Get Tiller

6. PocketSmith – Net worth tracker with forecasting features

PocketSmith personal finance app

PocketSmith provides a comprehensive view of your financial health by automatically calculating your net worth from your connected accounts. You can improve tracking by linking specific assets to their corresponding liabilities—for example, your home and its mortgage. 

One of the standout features of PocketSmith is that it uses your existing financial data and trends to project your finances up to 30 years into the future. Visual cash-flow charts allow you to easily visualize the impact of your current spending habits on your future financial status.

PocketSmith has a free tier, which is fairly limited in functionality but could still suffice for some users. Most notably, the free version of PocketSmith lacks support for automatic bank feeds. More demanding users will likely opt for one of PocketSmith’s paid plans:

  • Foundation: $9.99 / month (billed annually)
  • Flourish: $16.66 / month (billed annually)
  • Fortune: $26.66 / month (billed annually)

Get the PocketSmith App

7. GnuCash – Open-source and free accounting software

GnuCash accounting program

GnuCash adopts a traditional approach to accounting by using a checkbook-style register for recording transactions. Unlike most accounting software that automatically handles the entry of debits and credits in the background, GnuCash involves a more hands-on method. 

It requires users to actively balance each transaction by manually entering the dollar amounts into the debit and credit columns of the register. This method encourages a deeper understanding of financial entries and helps users maintain meticulous financial records.

Although GnuCash can certainly be a powerful tool, it has a rather steep learning curve and a clunky user experience. If you aren’t willing to spend the time required to learn how to use this program effectively, you might want to look elsewhere for your personal finance tracking needs.

Get GnuCash

The bottom line

When selecting the best net worth aggregators, we focused on providing a diverse range of options with the goal of helping everyone find a tool that will suit their needs. Whether you’re looking for powerful features or you prioritize a seamless user experience, our selection hopefully helped you find a personal finance tool that’s right for you.

If you are on the lookout for more tools related to personal finance, make sure to take a look at our list of the best ETF screeners.  

Disclaimer: This article is provided for informational purposes only. It is not offered or intended to be used as legal, tax, investment, financial, or other advice.

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