Best Tools to Track Net Worth in 2025: A Comprehensive Comparison and Practical Guide

by Sarah Carter · January 24, 2026

Tracking your net worth is one of the most powerful — and underused — habits for building long-term financial clarity. Whether you’re a beginner who wants to see if you’re making progress, a freelancer separating business from personal finances, a couple planning for homeownership, or an investor monitoring portfolio performance, the right net worth tool can save hours, reduce stress, and reveal opportunities you won’t see from monthly bank balances alone.

Why tracking net worth matters more than you think

Net worth is the single number that aggregates everything you own and everything you owe. It turns scattered financial details into a clear performance metric. Instead of reacting to the latest paycheck or credit card bill, net worth shows whether your overall financial picture is improving over time.

Key benefits

Tracking net worth regularly gives you several advantages:

Objective progress measurement

A net worth chart makes it obvious whether a strategy is working. Are you saving faster than you’re accumulating debt? Are investments outpacing inflation? Numbers remove guesswork.

Better decision making

With a holistic view you can prioritize — pay down high-interest debt, ramp up retirement contributions, or hold cash for an emergency fund. It helps balance competing goals in one metric.

Motivation and accountability

Seeing steady progress — even small increases — builds discipline. When the number dips, you can trace why and adjust.

What to include (and what to ignore) when calculating net worth

Consistency matters more than perfection. Choose an approach and stick with it, but follow these widely accepted rules.

Assets to include

Assets are anything you own that has monetary value:

Cash and bank balances (checking, savings)
Investments (brokerage, IRA, 401(k), robo-advisors)
Retirement accounts (traditional IRA, Roth IRA, 401k)
Marketable assets: stocks, bonds, mutual funds
Cryptocurrency (at current market value)
Real estate (market value of your home and rental properties)
Business equity (estimated market value if you own a business)
Other investments: domain names, collectibles, art — include if material
College/education funds and cash value life insurance

Liabilities to include

Liabilities are what you owe:

Mortgages
Auto loans
Student loans
Credit card balances
Personal loans and lines of credit
Any outstanding taxes or judgments

Common gray areas and how to treat them

Illiquid or subjective assets (private business equity, inherited property, antiques) can be hard to value. Use conservative estimates and be consistent: if you value your business at 3x discretionary earnings today, use the same method each update. For shared assets (joint accounts, real estate owned together), include your ownership percentage.

How often should you update your net worth?

Frequency depends on your situation. Monthly is ideal for most people because it balances detail with effort. Weekly updates suit active traders or people aggressively paying off debt. Quarterly is fine for long-term investors or those with illiquid assets. The key is consistency — choose a cadence and record the value the same way each time.

Top net worth tracking tools compared

Below are the leading tools for tracking net worth in 2025. I highlight what each does best, who should consider it, and the main pros and cons. Pricing references are approximate; check providers for the most current plans.

Empower (formerly Personal Capital)

Best for investors who want free portfolio analysis and retirement planning tools.

What it does

Empower aggregates accounts and produces a net worth timeline, asset allocation breakdowns, and retirement forecasting. The investment checkup tools and fee analyzers stand out for long-term investors.

Pros

Comprehensive free tier with excellent investment analytics
Clear net worth charts and retirement projections
Automated account linking with many brokerages and banks

Cons

Customer support and nudges often lead to wealth management upsells
Less customizable for trackers who want to include exotic assets

Kubera

Best for people with diverse assets: crypto, foreign accounts, domain names, private equity, and collectibles.

What it does

Kubera is a paid net worth tracker focused on global, multi-currency, and exotic asset support. It pulls market prices for stocks and cryptocurrencies and lets you manually add non-standard assets with valuation notes.

Pros

Supports exotic assets and custom valuations
Multi-currency support with exchange rate handling
Privacy-forward: no ads, paid subscription model

Cons

Subscription cost (targeted at users with complicated portfolios)
Fewer planning tools compared to Empower

Tiller Money (Google Sheets + Excel)

Best for spreadsheet lovers who want automated data feeds with total customization.

What it does

Tiller pushes daily bank and investment transactions into your spreadsheets via secure connections. It’s essentially “connect your accounts + templates” so you get live spreadsheets with pivot tables and charts you control.

Pros

Total customization: you can build dashboards and net worth templates
Excellent for people who prefer complete control and privacy (your data sits in your sheets)
Integrates with Google Sheets and Microsoft Excel

Cons

Requires spreadsheet comfort to get the most from it
Subscription cost and setup time compared to ready-made apps

Monarch Money

Best for people who want a modern, beautiful interface that supports families and shared net worth views.

What it does

Monarch aggregates bank accounts, investments, loans, and crypto, producing a clean net worth timeline and goal trackers. It supports multiple profiles, making it ideal for couples or families tracking joint and individual finances.

Pros

Clear, attractive UI and strong net worth visualizations
Family and household net worth features
Active product development and responsive team

Cons

Paid subscription required for full feature set
Fewer advanced investment analytics than Empower

Simplifi by Quicken

Best for people who primarily want budgeting but also want a straightforward net worth view.

What it does

Simplifi aggregates accounts and provides spending insights while tracking net worth. It’s a less complex Quicken product designed for modern users who want a simple monthly view.

Pros

Easy to use, good for budgeting-first users
Affordable subscription compared to Quicken desktop

Cons

Less powerful investment and tax features
Not ideal if you need heavy customization or exotic asset support

Quicken

Best for power users who prefer a desktop app and want comprehensive accounting features.

What it does

Quicken is a long-established personal finance suite with deep reporting, bill pay, and net worth tracking. The desktop versions are feature-rich and handle complex personal and small-business finances.

Pros

Extensive features: budgeting, tax reporting, business income tracking
Offline desktop control for users concerned about cloud-only services

Cons

Learning curve and more heavyweight setup
Annual subscription options can be expensive

CoinTracker / Delta / Crypto-native trackers

Best for crypto-heavy portfolios that require wallet and exchange aggregation plus tax reporting.

What they do

Crypto trackers link wallets and exchanges, calculate realized/unrealized gains, and produce net worth valuations in fiat currency. CoinTracker also offers tax reporting integration in many jurisdictions.

Pros

Designed for on-chain and off-chain tracking, including DeFi positions
Tax-friendly reports and cost-basis calculations

Cons

Limited to crypto and may not be the central place for bank/savings accounts
Privacy tradeoffs when linking wallets and exchanges

Sharesight / Morningstar Portfolio Manager

Best for investors who need dividend tracking, performance metrics, and tax reporting for equities.

What they do

These services focus on portfolio performance and can feed net worth tracking as part of a broader financial dashboard, especially for taxable portfolios and dividend investors.

Pros

Superior performance reporting, return metrics, and dividend tracking
Useful for investors with multiple brokerage accounts or international holdings

Cons

Not designed as a complete personal net worth app — you may need to integrate with other tools

Google Sheets / Excel DIY (with manual or connector-based updates)

Best for people who want zero subscription fees and full control over how net worth is calculated and displayed.

What it does

Build your own net worth tracker with columns for date, assets, liabilities, and notes. Use free templates or import data via bank-exported CSVs. Tiller automates this process by feeding transactions directly into sheets.

Pros

Full customization and complete data ownership
Low cost if you already use Google or Excel

Cons

Manual updates can be time-consuming; automation requires connectors or scripts
Requires spreadsheet fluency to create robust dashboards

How to choose the right net worth tool: a decision checklist

Not all trackers are created equal. Use this checklist to match a tool to your needs.

1) What assets do you need to include?

If you hold crypto, multiple currencies, or non-standard assets (business interests, domain names), choose Kubera, Tiller, or a spreadsheet approach where you can add manual valuations. For mainstream investments, Empower or Monarch work well.

2) Do you want automatic account aggregation?

Automatic aggregation saves time but involves connecting accounts. If you prefer to avoid account linking, pick a manual or spreadsheet-first solution.

3) How much customization do you need?

Spreadsheets or Tiller are best for maximum flexibility. Apps like Empower and Monarch are better if you want quick insights without custom formulas.

4) Budget and pricing model

Free tools (Empower, Mint) are attractive, but paid tools (Kubera, Monarch, Tiller) often offer better privacy and customization. Consider the value of your time and the complexity of your assets.

5) Security and privacy

Check whether the app uses read-only aggregation, multi-factor authentication (MFA), and encryption. Paid, subscription-only tools sometimes have fewer advertising incentives.

6) Export and backup options

Ensure you can export CSVs or PDFs for record keeping and that data can be backed up. This is critical if you want to switch services later or need data for taxes.

How to set up a net worth tracker step-by-step (practical starter plan)

Use this plan to go from zero to a working net worth tracking system in under an hour.

Step 1: Choose a cadence and a single snapshot date

Decide whether you’ll update monthly (recommended default), weekly, or quarterly. Pick a fixed day such as the last day of each month so your timeline is consistent.

Step 2: List all accounts and assets

Create a master list: banks, brokerages, retirement accounts, loans, credit cards, crypto wallets, real estate, and any business interests or collectibles you want to include.

Step 3: Select a tool

Match your needs to one of the tools above. If you want a simple start, try Empower (free) or Monarch (helps with household tracking). For spreadsheet-first people, use Tiller or Google Sheets.

Step 4: Link accounts or import balances

If linking accounts, use a secure aggregator and enable MFA. If importing manually, download account balances and input them into your chosen tool or sheet.

Step 5: Add non-account assets and liabilities

Manually add home equity (market value minus mortgage), business equity estimates, and the market value of collectibles. Be conservative with subjective values and keep a note of assumptions.

Step 6: Generate a net worth report and set goals

Look at trends and create targets: increase net worth by X% over 12 months, reduce debt by $Y, or save $Z for an emergency fund. Use the tool’s goal features or add goal lines to your spreadsheet chart.

Net worth templates and sample fields (spreadsheet-ready)

Below is a simple table structure you can reproduce in Google Sheets or Excel. Keep the snapshot date in the first column and daily or monthly totals in rows beneath it.

Suggested columns

Date
Cash: Checking
Cash: Savings
Investment: Brokerage
Retirement: 401(k)/IRA
Crypto
Real Estate: Primary Home (market value)
Real Estate: Mortgage balance (negative)
Other Assets: Business, collectibles
Total Assets
Total Liabilities
Net Worth (Assets – Liabilities)
Notes/Assumptions

Useful formulas

Use SUM to total asset groups and simple subtraction for net worth. Add a sparkline or chart to visualize the trend over time.

Privacy, security, and the aggregator trade-off

Linking financial accounts uses aggregation services like Plaid, Finicity, or proprietary connectors. These services provide convenience but come with security and privacy decisions.

Security best practices

Use tools that advertise read-only access (no transfers) for linked accounts
Enable multi-factor authentication wherever possible
Prefer providers with strong encryption and a clear privacy policy
Limit the number of services you link to reduce surfaces of risk
Regularly export CSV backups of your net worth data

Privacy considerations

If a service is free and ad-supported, understand how they might monetize aggregated financial data. Paid subscriptions tend to align incentives with privacy because the company’s revenue comes from customers, not advertisers.

Special cases: freelancers, couples, and business owners

Different life situations require slightly different approaches to net worth tracking.

Freelancers and small business owners

Keep clear separation between personal and business finances. Track business assets and liabilities in separate accounts and decide whether to include business equity in your personal net worth. If you rely on the business for income, track both: one net worth for personal finances and a separate one for business value. Tools: QuickBooks (for business) + Empower/Monarch/Tiller (for personal), or Quicken if you need combined reporting.

Couples and families

Decide whether you track combined household net worth, individual net worths, or both. Monarch supports multi-profile household views, while tools like Kubera and Tiller can be configured to show joint or separate totals. When combining, be explicit about ownership percentages of shared assets.

Investors with complex portfolios

If you hold international equities, private investments, or complex derivative positions, use a combination of Sharesight/Morningstar for investment analytics and Kubera or Tiller for overall net worth. Regularly reconcile market values for illiquid holdings.

Common mistakes people make and how to avoid them

Saving time on the setup prevents misleading results later. Watch out for these common pitfalls.

Mixing personal and business finances

This inflates net worth and obscures cash flow realities. Keep accounts separate and decide whether to include business equity — if you do, value conservatively.

Inconsistent valuation methods

Changing valuation approaches month-to-month skews trends. Pick a method (market value for liquid assets, conservative estimates for illiquid) and stick with it.

Ignoring liabilities or off-balance items

Some people track assets but ignore liabilities like tax obligations or outstanding loans. Include every obligation that affects your financial obligations.

Over-relying on a single tool without backups

Always export and backup your data. If a provider changes terms or you lose access, a CSV backup prevents data loss and makes migration easier.

Side-by-side quick comparison (who should use what)

Here are short recommendations based on typical user needs.

Best free investor-focused tool: Empower (Personal Capital) — free, strong investment & retirement analytics
Best for exotic assets and global portfolios: Kubera — supports manual asset types and multi-currency
Best for spreadsheet purists: Tiller Money — automated feeds into customizable Sheets/Excel
Best for couples/families: Monarch Money — household support and clean UI
Best for crypto-heavy users: CoinTracker/Delta — specialized wallet and exchange aggregation with tax reporting
Best desktop accounting and detailed reporting: Quicken — deep features and offline control

How to interpret net worth changes

Not all swings are meaningful. Use context to interpret changes:

Temporary market volatility

Market drops will reduce net worth but don’t necessarily mean your long-term plan is broken. Look at allocation, time horizon, and whether the dip creates buying opportunities.

Income-driven improvements

If your net worth rises mainly because you saved more cash, celebrate — liquidity makes you resilient. If it rises solely because of a home appraisal bubble, be cautious.

Debt reduction vs. asset growth

Both improve net worth, but debt reduction often reduces risk more than the same dollar of investment. Prioritize eliminating high-interest debt first.

Tax and estate planning considerations

Net worth tracking helps with taxes and estate planning by centralizing asset lists and values. Keep records of purchase dates and cost basis for investments and crypto to support tax calculations. For estate planning, a regularly updated net worth report simplifies valuations for heirs or executors.

Switching tools and migrating data

If you’re moving between services, follow these steps to ensure a smooth migration:

Export CSVs of account balances and transaction histories from your old tool
Download statements for verification (bank and brokerage PDFs)
Import or copy data into the new tool; use manual entry where imports aren’t supported
Verify a few sample balances and transactions against statements
Keep the old tool accessible for at least one billing cycle in case you missed something

Costs vs. benefits: is a paid net worth tool worth it?

Paid tools are worth it if you: have complex assets that require manual valuation, value privacy and an ad-free experience, want family sharing features, or save time and mental energy by avoiding manual updates. For many people, a free tool plus occasional manual spreadsheet checks is sufficient. Consider your time value — if a paid tool saves you hours and reduces stress, that’s real ROI.

Tracking net worth is a simple habit with outsized returns: it clarifies priorities, highlights progress, and helps you make better financial decisions. Use the decision checklist above to pick a tool that fits your situation — and remember, consistency beats perfection. Start with a modest plan: list accounts, choose a snapshot date, and record your first net worth number. Over time, that growing timeline becomes your clearest indicator of financial success and the best guide for where to focus next.