Choosing net worth tracking software is a product decision: decide whether you need connected asset and liability aggregation, a shared household view, budgeting, investment analysis, manual asset support, or an FI-focused dashboard.
Compare sync, history, investments, and privacy
| Tool | Sync method | Historical tracking | Investment support | Privacy model | Ideal user |
|---|---|---|---|---|---|
| Beacon | Manual balance entry; no bank sync | Manually recorded snapshots | Investable-asset totals and assumed future returns for FI planning | Chosen values stored in a hosted account; no bank credentials collected | People maintaining a focused FI plan without linking banks |
| Monarch | Connected accounts plus manual accounts and holdings | Net worth history; balance imports and web-based edits | Holdings, allocation, and performance views; check return methodology | Read-only connections through data providers; encrypted cloud data | Couples wanting budgets, balances, and investments together |
| Empower | Connected financial accounts | Net worth chart with dated balances | Investment allocation and retirement-planning tools | Connected dashboard with encryption and multifactor authentication | Investors wanting portfolio and retirement context |
| Kubera | Connected accounts and manual assets | Net worth and asset-value history | Broad asset coverage; cash-flow-based investment IRR | Hosted balance sheet; optional account connections and sharing | People with private investments, multiple currencies, or complex assets |
| Tiller | Account feeds into Google Sheets or Excel | Dated Balance History rows; spreadsheet reports and edits | Investment account balances; custom analysis in the workbook | Data in your own spreadsheets; Plaid or Yodlee connections | Spreadsheet users who want automated balance updates |
| Manual spreadsheet | Manual entry unless you add a feed | Snapshots, corrections, and charts you build | Balances or a custom holdings and returns ledger | Local file or cloud workbook, depending on where you save and share it | People who want full control over categories, history, and formulas |
Automatic sync does not guarantee real-time prices or a complete backfilled history. Check the last update date, your institution’s coverage, and whether historical balances can be imported or corrected. A projected FI chart is different from a record of past net worth.
Feature sources checked October 7, 2026: Monarch investments and balance edits; Empower history and investment tools and security; Kubera history and IRR; Tiller balances. Privacy models are described in Beacon’s policy, Monarch’s security overview, Kubera’s policy, and Tiller’s privacy promise.
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 software is the one that matches the data you want to connect, the features you will use, and the amount of manual control you prefer. Start with the quick comparison, then use the selection criteria below to narrow the field.
How we compare net worth tracking tools
- Asset and liability aggregation: Can it bring together or record cash, debts, investments, homes, and other holdings? Does it connect accounts, support manual entries, or both?
- Couples and household tracking: Can it give a clear view of shared assets and debts without double-counting joint accounts or losing sight of each person's accounts?
- 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?
What is the best free net worth tracker?
The best free net worth tracker is the one you will update consistently and that covers the assets and liabilities you actually need to see. For a manual, FI-focused workflow, Beacon's free FI calculator is a useful place to turn investable assets, savings, spending, and assumptions into a clear date. If your priority is connected accounts, compare free tiers carefully: availability, number of connections, historical charts, and manual-asset support can vary.
Free can mean different things: a free calculator, a free plan with limits, or a spreadsheet you maintain yourself. Before migrating data, test whether the free version can show your full balance sheet and save a historical trend—not just display today's balances.
Answers to specific net worth tracking needs
What should net worth software track?
Useful net worth software should track assets, liabilities, the date of each update, and the history of the total over time. Look for support for cash, investments, property, loans, credit cards, and manual values for accounts that do not connect.
Which tools track investments, current value, and returns?
Choose a tool with holdings and performance reporting when you need investment values and returns, rather than just account balances. Monarch offers holdings, allocation, and performance views; Empower adds investment and retirement analysis; Kubera includes cash-flow-based internal rate of return (IRR) for investments. Tiller and a manual spreadsheet can record investment balances, but detailed returns analysis depends on the model you build.
Current value is what a holding is worth at the latest available price. A return measures performance over a period and must handle contributions and withdrawals appropriately: a deposit raises the balance without being an investment gain. Monarch’s documentation says its performance chart can model current holdings across the selected period when acquisition information is unavailable, so check whether a chart represents your actual investing history. Beacon uses an expected-return assumption to project an FI date; that assumption is not a measured portfolio return.
Can you chart historical net worth and edit past balances?
Yes, but a historical chart and editable history are separate features: look for dated balance records, imports, corrections, and exports. Monarch supports balance-history imports and web-based balance edits; its documented edit dialog covers the past 90 days. Empower shows dated net worth values in its dashboard chart. Tiller keeps dated balances in a Balance History sheet, where spreadsheet reports can use them.
Before switching tools, test an incorrect past balance, a missing month, and an account that closes. Confirm how far back you can import or edit, whether a correction changes the chart, and whether removing an account removes its history. A bank connection may only start recording from the date you connect. Keep consistent valuation dates and avoid counting a joint account twice.
What privacy and security options should you compare?
Compare three models: manual entry in a hosted app, connected tracking through financial-data providers, and a spreadsheet saved locally or in the cloud. Manual entry lets you share selected balances without linking bank accounts, but a hosted app still stores the values you enter. Connected apps exchange financial data with providers even when access is read-only. A local spreadsheet avoids that account feed; cloud storage and sharing introduce their own access settings.
Check authentication options, encryption, who can access household data, the provider’s data-use policy, and how to export or delete records. Read-only access describes whether money can be moved; it does not mean no data is stored. For the manual approach, see our private net worth tracker without bank sync guide.
Can assets, liabilities, and retirement accounts appear in one view?
A complete balance-sheet view should include cash, taxable investments, retirement accounts, property, and debts, with manual entries for anything that will not connect. Monarch combines assets and liabilities in its Accounts view; Empower brings investment, cash, credit, and other accounts into its dashboard; Kubera covers complex holdings; Tiller groups balances as assets and liabilities in a spreadsheet. Confirm support for your specific retirement institution and account type before connecting.
Include each retirement balance once and keep loans on the liability side. Total net worth and retirement spending capacity answer different questions: property or other personal-use assets may belong in net worth without being available to fund withdrawals. See investable assets vs. net worth before using the total in an FI model.
Is manual entry or live bank syncing the better choice?
Choose manual entry for control over shared data and occasional balance reviews; choose automatic bank sync to reduce repetitive updates across many accounts. A hybrid setup can sync supported accounts while keeping property, private investments, or unreliable connections manual. Beacon uses manual entry; Monarch and Kubera combine connected and manual data; Tiller sends account feeds to a spreadsheet.
“Live” syncing depends on the institution and data provider, so check refresh timestamps rather than assuming every value updates instantly. Manual balances need a clear update date and a repeatable routine. Compare the custom-workbook approach in Beacon vs. a spreadsheet, or use the table above to choose a connection model.
Asset and liability aggregation: what to check
A useful net worth tracker needs to cover both sides of your balance sheet. On the asset side, that can include cash, brokerage and retirement accounts, real estate, business interests, vehicles, and other property. On the liability side, it can include mortgages, student loans, auto loans, personal loans, and credit-card balances. A tool that shows only investment accounts may be useful for portfolio monitoring, but it is not necessarily a complete net worth system.
Before choosing an aggregator, list the accounts and manual values you need to see in one place. Then test its handling of the awkward items: an institution that will not connect, a shared mortgage, a home value you update yourself, a private investment, or a debt that belongs to only one partner. The right tool is not the one with the longest connection list; it is the one whose remaining gaps you can review reliably.
Best net worth trackers for couples and households
Household tracking is more than adding two individual totals. You need a view of joint checking, shared property, and shared debt alongside accounts that belong to one person. Decide together which numbers are household-level, which remain individual, and how you will prevent a joint balance from appearing twice. For couples who want connected balances, transactions, budgets, and a shared net worth view, Monarch is a strong starting point. For households with unusual or alternative assets, Kubera may be a better fit. Beacon is most useful when the goal is a deliberately maintained FI model built around the investable assets that support the household's spending plan. For a step-by-step shared-and-private setup, read our guide to choosing a net worth tracker for couples.
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. For a direct comparison with Beacon's manual FI workflow, read Beacon vs. Monarch.
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. See Beacon vs. a spreadsheet to decide whether flexibility or a focused FI view matters more.
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 need a complete household balance sheet, prioritize asset and liability aggregation, joint-account handling, and manual-value 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. Decide how your household will handle joint accounts
If you share finances, agree on what the tracker should show before you connect anything. Check whether it can represent both shared and individual accounts, how you will record shared property and debt, and whether the same joint balance could be imported twice. The goal is a trustworthy household total, not maximum automation. If you are deciding whether you need a budget first or a balance sheet first, see the difference between a net worth tracker and a budgeting app.
4. 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.
5. 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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