Unlock Your Financial Clarity: The Best Tools for Tracking Your Net Worth in 2025

Using a net worth tracker can simplify monitoring your financial health by automating calculations and providing insights. After testing several options, I’ve found these five to be the best net worth trackers based on their features, ease of use, and value. Each offers unique strengths, catering to different financial needs and preferences.

Empower: Comprehensive wealth tracking

Empower is ideal for those seeking a full financial overview in one place. It offers a free and powerful platform that automatically syncs with your financial accounts to provide a real-time view of your net worth.

Empower is ideal for those seeking a full financial overview in one place
Empower is ideal for those seeking a full financial overview in one place
  • Syncs with bank accounts, credit cards, investments, and loans
  • Real-time dashboard that displays your total net worth
  • Includes budgeting tools and investment analysis
  • Seamless tracking of retirement accounts like 401(k)
  • Occasional prompts for paid wealth management if assets exceed $100,000

I found its ability to track my 401(k) and credit card balances seamlessly invaluable for a holistic view. However, expect occasional prompts for their paid wealth management if you have over $100,000 in assets.

Monarch Money: Streamlined account management

If you prefer simplicity and clarity in managing your finances, Monarch Money delivers a clean interface and robust syncing capabilities that make tracking multiple accounts easy.

Monarch Money delivers a clean interface and robust syncing capabilities that make tracking multiple accounts easy
Monarch Money delivers a clean interface and robust syncing capabilities that make tracking multiple accounts easy
  • Supports syncing of banks, credit cards, loans, and investments
  • Allows manual input for assets like real estate and collectibles
  • Clean, user-friendly design
  • Great for tracking properties or side income
  • Costs $99.99/year with a 7-day free trial

I appreciated its clean design, which helped me monitor my rental property and loans effortlessly. It costs $99.99 annually, but a 7-day free trial lets you test its full features.

Tiller Money: Spreadsheet-based tracking

For those who like hands-on control and spreadsheet customization, Tiller Money connects directly to Google Sheets or Excel and updates your data automatically.

Tiller Money connects directly to Google Sheets or Excel and updates your data automatically
Tiller Money connects directly to Google Sheets or Excel and updates your data automatically
  • Auto-syncs with your financial accounts
  • Offers customizable templates in Google Sheets or Excel
  • Ideal for freelancers and users with complex income streams
  • Let you create your own categories and formulas
  • Priced at $79/year with a 30-day trial
  • Limited investment tracking, though improving

PocketSmith: Forecasting and planning

PocketSmith is a great choice if you want to look ahead. Its forecasting features help you see where your finances are headed, years into the future, based on your current habits.

PocketSmith is a great choice if you want to look ahead
PocketSmith is a great choice if you want to look ahead
  • Projects net worth up to 60 years
  • Features a visual calendar for budgeting
  • Supports multiple currencies—ideal for international users
  • Free version available with limited features
  • Foundation plan at $14.95/month includes automatic syncing

YNAB: Budgeting and debt reduction

You Need a Budget (YNAB) is designed for those focused on budgeting and debt payoff. It uses a zero-based budgeting method that helps improve financial discipline and increase net worth over time.

You Need a Budget (YNAB) is designed for those focused on budgeting and debt payoff
You Need a Budget (YNAB) is designed for those focused on budgeting and debt payoff
  • Focuses on budgeting first, net worth second
  • Highlights progress through the Net Worth Report
  • Great for managing debt repayment strategies
  • $109/year with a 34-day free trial
  • Limited investment tracking features

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