Net worth is simple on paper: assets minus liabilities. The difficult part is keeping it current, deciding which assets belong in your plan, and turning a static total into a useful decision-making signal.
What is the best net worth tracker?
Beacon is the best net worth tracker for people who want to manually track investable assets and connect them to a projected financial independence date. For a connected household budget, Monarch is a strong alternative. Empower is a good fit for an investment and retirement dashboard, Kubera is designed for more complex balance sheets, and Tiller is ideal if you want your data in a spreadsheet you control.
There is no universal winner: the best choice is the one that makes you review the right numbers consistently. Start with the quick comparison, then use the selection criteria below to narrow the field.
How we compare net worth tracking tools
- Account coverage and connection model: Can it represent your cash, debts, investments, homes, and other holdings? Does it connect accounts, support manual entries, or both?
- Investable-asset clarity: Can you separate assets that fund spending from personal-use assets?
- Budgeting and cash flow: Does it help explain why net worth changed?
- Investment visibility: Does it help track portfolio accounts and allocation?
- Privacy and control: Are you comfortable linking institutions, or do you prefer manual entry or a spreadsheet you own?
- FI usefulness: Does the tool connect investable assets to financial independence progress rather than stopping at a total net worth figure?
| Tool | Best for | Connection model | Manual / complex assets | Budgeting | Best fit |
|---|---|---|---|---|---|
| Beacon | Investable assets and FI date progress | Manual | Manual investable-asset tracking | Light | FI planning |
| Monarch | Household budgeting and account aggregation | Connected accounts | Household assets and liabilities | Strong | Household money management |
| Empower | Investment dashboard and retirement tools | Connected accounts | Portfolio and retirement accounts | Moderate | Investment dashboard |
| Kubera | Complex balance sheets and alternative assets | Connected and manual | Broad, including alternatives | Light | Complex balance sheets |
| Tiller | Spreadsheet-first customization | Connected spreadsheet feeds | Highly customizable | Customizable | Spreadsheet-first tracking |
The table is a shortlist, not a scorecard. A broad account aggregator may be excellent for day-to-day money management while a manual tracker may be better for a privacy-conscious FI plan.
1. Beacon
Beacon is built for people who want net worth tracking connected to financial independence planning. It focuses on the difference between total net worth and investable assets, then turns your assets, spending target, savings, expected return, and withdrawal rate into a projected FI date.
That makes Beacon useful when you do not just want to know what you are worth. You want to understand how close your current assets are to funding your future lifestyle.
2. Monarch
Monarch is a household money dashboard for tracking accounts, spending, budgets, goals, reports, and net worth. It connects bank accounts, credit cards, loans, real estate, and investments so you can see the broader financial picture in one place.
It is a strong choice for couples and households that want collaboration, budgeting, cash flow, and net worth tracking together rather than a narrow balance-sheet tool.
3. Empower Personal Dashboard
Empower offers a personal dashboard with tools for net worth, retirement planning, budgeting and cash flow, portfolio analysis, savings planning, debt paydown, emergency funds, and transactions.
It fits people who want investments and retirement planning close to their net worth tracker. If your biggest accounts are brokerage and retirement accounts, the portfolio analysis layer can be helpful.
4. Kubera
Kubera is a dedicated wealth tracker designed to aggregate a wide range of assets, including banks, brokerages, digital assets, private positions, real estate, vehicles, collectibles, and multi-currency holdings.
It is especially relevant for complex balance sheets. If your net worth includes assets beyond ordinary bank and brokerage accounts, Kubera is built for that broader view.
5. Quicken Simplifi
Quicken Simplifi is a web and mobile personal finance app for seeing cash flow, investments, and net worth in one connected system. Quicken also highlights connectivity across more than 14,000 financial institutions.
Simplifi is useful when you want a modern app experience with budgeting, projections, investment visibility, and net worth tracking without going all the way into desktop software.
6. Tiller
Tiller syncs balances, transactions, income, debt, and spending into private spreadsheets you own. It includes templates for budgets, expenses, debt, net worth, savings, and more.
For spreadsheet people, this is the appeal: automation plus control. You can use the built-in templates or reshape the workbook into your own personal finance system.
7. Copilot Money
Copilot Money tracks spending, budgets, investments, net worth, and recommendations across iPhone, iPad, Mac, web, and desktop-style workflows. Its net worth view can include stocks, crypto, and real estate alongside ordinary accounts.
It is a polished option for people who want a modern interface, strong transaction review, and investment/net worth visibility in one app.
8. Rocket Money
Rocket Money is known for subscription management and budgeting, but it also offers premium net worth tracking, shared accounts, budgets, and financial goals. Its net worth feature is framed around seeing assets and debt together over time.
Choose Rocket Money if your first priority is cleaning up cash flow, finding recurring expenses, and pairing that with a simpler net worth picture.
9. PocketSmith
PocketSmith combines budgeting, bank feeds, a budget calendar, multi-currency support, cash flow forecasts, transactions, and net worth tracking.
It is a good fit for people who care about forecasting. Seeing net worth alongside future cash-flow scenarios can help you understand whether today’s decisions are changing tomorrow’s trajectory.
10. Lunch Money
Lunch Money is a web-first personal finance tool with bank imports, CSV uploads, an API, crypto wallet support, multi-currency tracking, rules, analytics, budgeting, and a net worth calculator.
It is worth considering if you want a lightweight but flexible finance app with strong categorization and the ability to track net worth month over month.
Named alternatives by use case
| If your priority is… | Start with | Why | Alternative to consider |
|---|---|---|---|
| A private, manual FI dashboard | Beacon | It keeps the focus on investable assets, spending, savings, and an FI date. | A custom Tiller workbook if you prefer spreadsheets. |
| One connected household dashboard | Monarch | It combines accounts, cash flow, budgets, goals, and net worth. | Quicken Simplifi for a connected budgeting workflow. |
| Investment and retirement visibility | Empower | It is built around portfolio and retirement-planning views. | Copilot Money for a more transaction-focused interface. |
| Alternative assets or a complicated balance sheet | Kubera | It is purpose-built for a wider range of asset types and currencies. | Lunch Money when flexibility and multi-currency budgeting matter more. |
| A spreadsheet you can customize | Tiller | It brings financial data into a workbook you can adapt. | A manual Beacon setup for a more focused FI model. |
How to choose a net worth tracker
Start with the job you need the number to do. If you only need a balance sheet, prioritize account coverage and manual asset support. If you are trying to increase savings, prioritize spending visibility. If you are pursuing FI, make sure the tool separates investable assets from total net worth.
1. Decide whether you want connected accounts
Account connections reduce data entry, but they are not essential. A manual tool can be the clearer choice if you prefer not to share credentials through an aggregator, hold assets that do not connect cleanly, or only need to update your plan monthly or quarterly.
2. Test your hardest-to-track asset
Before committing, check whether the tool can represent the account or asset most likely to be missing: a mortgage, property, private business interest, pension, stock options, crypto wallet, foreign account, or manual liability. The tracker is only as useful as its gaps are manageable.
3. Keep total net worth and FI assets separate
A home, car, or collectible may belong on your balance sheet but may not be available to fund future spending. If financial independence is your objective, track the complete number but measure progress against the subset of investable assets that can actually support withdrawals.
4. Choose a review cadence you will keep
Daily changes in market value rarely require daily decisions. For many people, a monthly review is enough to update balances, check spending and debt, and see whether savings are moving the plan forward. The best tracker is the one you will return to calmly and consistently.
The headline number matters, but the composition matters more. A paid-off home, a brokerage account, a retirement account, cash, private equity, and a car can all contribute to net worth. They do not all behave the same way when you need to fund spending.
For financial independence planning, the most useful tracker is the one that turns net worth into action: what assets are investable, how much the target lifestyle costs, how fast the gap is closing, and which assumptions drive the date.
Want to turn net worth into an FI date?
If you already know your investable assets, use Beacon's FI calculator to estimate when those assets may support your target spending. For a deeper definition, read investable assets vs. net worth. For a broader FI shortlist, see the top financial independence tools.
Want net worth tied to your FI date?
Beacon helps you track investable assets, target spending, savings, and assumptions so your financial independence date stays visible.
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