Best Net Worth Tracking Apps for Building Wealth Smarter

We thoroughly examined Empower to confirm it’s a standout net worth tracker app that goes beyond simple budgeting. Empower offers a comprehensive personal finance dashboard where you can view bank accounts, investments, retirement plans, debts, and more in one place. With tools like a retirement planner and an investment checkup, you receive personalized insights that’ll help you reach your financial goals.

The app balances advanced features with a user-friendly design, making it accessible for a wide range of users. While it excels in wealth tracking and retirement planning, some budgeting features could be more developed. Security is a top priority, offering biometric login and multi-factor authentication to protect your data.

PocketSmith is the best app to track net worth by bringing together all your accounts, assets, and liabilities in a beautifully organized personal finance dashboard. Its standout feature is the calendar that forecasts daily balances decades into the future, helping you visualize your financial journey clearly. With connections to thousands of institutions globally and multi-currency support, it adapts to any lifestyle or location. Beyond net worth tracking, PocketSmith offers customizable budgets, a powerful transaction search, and insightful reports so you can manage your money your way.

While the mobile app complements the full web experience, you can monitor spending and budgets on the go. Whether you’re a beginner or a seasoned money manager, PocketSmith grows with you, making complex financial planning simple and enjoyable. Its thoughtful design, continuous updates, and dedicated support make it a trusted choice for staying financially clear and confident.

Monarch Money stands out as the best net worth tracker app by transforming the way you manage money. It automatically syncs over 13,000 financial institutions, combining your bank accounts, investments, real estate, loans, and more into one clear dashboard. With powerful tools to track every transaction, analyze your spending, and identify subscriptions, Monarch Money gives you a comprehensive view of your finances without overwhelming you. Its flexible budgeting options and collaborative features let you partner with loved ones or advisors to reach goals faster.

Monarch’s commitment to privacy is rigorous—they never sell your data and use bank-level encryption and multifactor authentication to keep your information secure. Whether planning for short-term budgets or long-term financial goals, Monarch makes complex money management intuitive and approachable across devices. It’s an all-in-one tool designed to simplify your financial journey while helping you build, track, and protect your net worth effectively.

MoneyWiz's all-encompassing approach to personal finance makes it stand out as one of the top applications for tracking net worth. It connects automatically to more than 40,000 banks worldwide, bringing all your accounts—including loans, investments, and crypto—into one secure place. Beyond simple tracking, MoneyWiz’s flexible budgeting tools adapt to your style, whether you prefer envelope budgeting or goal-based planning. Its robust reporting suite gives over 30 reports to analyze every aspect of your financial health.

The app supports offline use with cloud sync options and uses 256-bit military-grade encryption along with PIN and biometric locks for top-tier security. Whether you prefer importing data or letting AI-driven categorization do the work, MoneyWiz delivers a customizable, powerful solution to stay on top of your net worth and overall financial picture. With continuous updates and human support, it fits every user, from beginners to professionals, who want to manage money their way.

Quicken Simplifi is the best app for tracking net worth by providing a comprehensive yet easy-to-use platform that brings all your financial accounts together. The platform includes bank, credit cards, and investments into a single dynamic dashboard. It stands out for its AI-driven transaction categorization, customizable spending plans, and automatic syncing with thousands of institutions, which together give you a real-time snapshot of your financial health. Simplifi helps you set savings goals, stay ahead of bills with alerts, and monitor investments through a clean, user-friendly interface on mobile and web.

Recent feature updates include enhanced transaction management, a refund tracker, and shared account access to collaborate financially with partners or advisors. While some advanced retirement planning tools are web-exclusive, the app's affordability and intuitive design make it a top choice for anyone wanting clear, actionable insights into their net worth and financial future. Quicken Simplifi balances ease of use with powerful features to help you build confidence and control in managing your money every day.

CountAbout stands out as a versatile financial tool designed for users who want detailed control over their finances with ease. Offering automatic synchronization with thousands of banks, it keeps your financial data current and accurate, while allowing you to set up personalized budgets and recurring transactions. The app’s strength lies in its comprehensive reporting capabilities, which include clear visual graphs to track your net worth, spending trends, and income at a glance.

Although its interface is straightforward rather than flashy, it prioritizes usability and reliability while securing your data with high-grade encryption and multi-factor authentication. With CountAbout, you get an ad-free, subscription-based platform that balances simplicity and depth — perfect for those who want more than just basic budgeting tools without overwhelming complexity. Whether managing personal finances or small business invoicing, CountAbout helps you track and plan your money with confidence.

YNAB stands out among personal wealth tracker apps by promoting a hands-on, proactive approach to budgeting. Unlike apps that simply track your expenses, YNAB asks you to give every dollar a job ahead of time—which helps change your mindset to spend with purpose. The app connects securely to thousands of banks for automatic transaction import, while also allowing manual entry for flexibility. It features collaborative budgeting, so families or partners can work together effortlessly.

With powerful reports and goal tracking, you get clear insights into your spending, saving, and net worth growth. YNAB supports use on desktop, iOS, Android, and even Apple Watch, syncing your data across devices automatically. While it requires dedication to keep up with your budget, that discipline is rewarded with better financial control. With no ads and top-tier security, YNAB is a trusted choice for anyone serious about mastering their money and building lasting wealth.

Betterment is one of the top-tier AI-based financial apps designed to simplify investing and money management. Using sophisticated algorithms, it builds customized portfolios tailored to your financial goals and risk appetite, automatically rebalancing and optimizing tax strategies to maximize your returns. Betterment supports linking multiple external accounts, giving you a holistic view of your net worth and investments all in one place.

The platform’s goal-based planning tools empower you to set and monitor financial objectives confidently. Security and privacy are prioritized through encryption and strict data policies. While human advisor support is available for premium users, the core focus is on providing a seamless, automated experience that fits your lifestyle. Betterment makes complex investing accessible for both beginners and seasoned investors alike.