Best Net Worth Trackers in 2026

Empower is the strongest dedicated net worth tracker and investment analysis platform available at no direct cost. Its investment checkup benchmarks your portfolio allocation against age-appropriate targets; the fee analyzer surfaces hidden mutual fund and ETF expense ratios dragging on long-term returns; and the retirement planner runs Monte Carlo simulations across your connected accounts to project retirement outcomes with genuine analytical depth.

For users with significant investable assets — particularly those managing their own investment portfolio without an advisor — Empower's free tools provide institutional-quality analysis that most standalone apps cannot match. The aggregation covers thousands of financial institutions, including investment accounts that many budgeting apps handle poorly.

The persistent limitation: Empower's free tools are the top of a funnel for its AUM wealth management business. Users who only want the free dashboard face persistent outreach encouraging calls with advisors. Budgeting and cash flow tools are minimal — Empower is a net worth and investment tracker, not a comprehensive financial planning system.

Monarch Money provides the most reliable everyday net worth tracking experience among budgeting-first platforms. Its account aggregation covers investment, retirement, and banking accounts with the reliability that made it the top Mint replacement — and its net worth dashboard trends your financial position cleanly over time with minimal maintenance burden.

The investment visibility is meaningful for most users: account balances, basic performance tracking, and an overall net worth trend are visible without the analytical depth of Empower's investment checkup or fee analyzer. For users who want net worth tracking embedded in a broader budgeting and spending context — not just as a standalone number — Monarch provides the most polished daily experience.

The limitation is scope: Monarch covers spending, budgeting, and basic net worth — but has no AI coaching, no financial education, and no tools for the debt, insurance, estate planning, or tax dimensions that contribute to actual financial outcomes.

Copilot Money provides net worth tracking and investment account visibility within the best-designed personal finance interface available on Apple devices. Its account aggregation is reliable, investment balances integrate cleanly into the overall net worth picture, and the transaction categorization that Copilot is most known for reduces the maintenance burden that makes most net worth trackers feel like work.

The hard limitation: Copilot is Apple-only. Android and Windows users cannot access it at all. And even within the Apple ecosystem, Copilot's investment visibility is balance-level — no portfolio analysis, fee detection, or retirement projections. For users whose primary need is a beautifully executed daily financial picture that includes net worth, Copilot delivers. For users who want analytical depth on the investment side, Empower is the stronger tool.

Rocket Money includes net worth tracking as a feature within its broader subscription management and bill negotiation platform. Account aggregation covers banking and basic investment balances, and the net worth dashboard trends your financial position over time. For users already using Rocket Money for its bill negotiation service, the net worth visibility is a useful addition at no extra cost.

As a standalone net worth tracker, Rocket Money is not competitive with Empower, Monarch, or Copilot. The aggregation is less reliable, the investment visibility is minimal, and the overall financial picture is less detailed. Users whose primary need is net worth tracking rather than subscription management will find better options in every other entry on this list.