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Ranked list

Best Net Worth Trackers in 2026

Data compiled by Toolradar Updated How we rate

Net worth and wealth tracking

Key Takeaways
  • Monarch Money is our overall pick for net worth trackers in 2026. Empower Personal Dashboard is our free pick. Overall pick: Cheapest paid plan Annual, $8.33/mo (billed yearly). Watch out: Monthly billing penalty: $14.99/month ($179.88/year) vs $99.99/year, paying monthly costs 80% more. The annual plan is the only sensible option unless you are testing for a single month. Free pick: Free plan; no paid plan.
  • We evaluated 5 net worth trackers tools to create this ranking.
  • 3 of the 5 tools listed here have a free plan.
Publications that cover the tools tracked here
  • TechCrunch
  • Bloomberg
  • The Information
  • Fortune
  • The Verge
  • 5 top picks
  • 3 with a free plan

Top 3 net worth trackers

  1. Monarch Money logo

    Monarch Money

    #1 Top pick

    Track, budget, plan, and do more with your money all in one app.

    Starting price

    From $8.33 /mo

    Cheapest paid plan, monthly, as of October 2026

    Our take

    Best overall

  2. Copilot Money logo

    Your money, beautifully organized. The money app that just works.

    Starting price

    From $7.92 /mo

    Cheapest paid plan, monthly, as of October 2026

    Our take

    Most affordable

  3. Empower Personal Dashboard logo

    Track net worth, cash flow, and investments

    Pricing

    Free

    Our take

    Best free tier

5 top net worth trackers compared

Net worth trackers compared on our take, starting price (cheapest paid plan, monthly, as of October 2026), and average user rating.
Monarch Money logo
Monarch Money
Best overall Price: $8.33/mo Rating: n/a
Copilot Money logo
Copilot Money
Most affordable Price: $7.92/mo Rating: n/a
Empower Personal Dashboard logo
Empower Personal Dashboard
Best free tier Price: Free Rating: n/a
Talvo logo
Talvo
Price: $7.99/mo Rating: n/a
Moflow logo
Moflow
Price: $16.58/mo Rating: n/a

Net Worth Trackers pricing compared

Net Worth Trackers pricing, as of October 2026
Monarch Money Cheapest paid plan: Annual, $8.33/mo (billed yearly) Free plan: No Billing: Billed yearly
Copilot Money Cheapest paid plan: Annual, $7.92/mo (billed yearly) Free plan: No Billing: Billed yearly
Empower Personal Dashboard Cheapest paid plan: No paid plan Free plan: Yes Billing: Free
Talvo Cheapest paid plan: Plus, $7.99/mo (billed yearly) Free plan: Yes (Starter) Billing: Billed yearly
Moflow Cheapest paid plan: Moflow+, $16.58/mo (billed yearly) Free plan: Yes Billing: Billed yearly

Toolradar pricing data, last verified October 2026. Prices are the cheapest paid plan converted to a monthly figure; "Not published" means the vendor publishes no price for a self-serve paid plan. 4 of 5 tools publish a paid price; median cheapest paid plan $8.16/mo.

How the top net worth trackers compare

3 of the 5 net worth trackers listed here have a free plan (Empower Personal Dashboard, Talvo, Moflow); the other 2 (Monarch Money, Copilot Money) are paid only. Teams on a budget should start with Empower Personal Dashboard, our free pick.

Rankings are computed from G2/Capterra review volume and rating, and media mentions. Editorial policy

Top net worth trackers

Order: Toolradar ranking score, which is the public review volume times the average rating on G2, Capterra, Trustpilot and other review sites, plus media mentions (recent ones count more). Paid placements are labelled and never change the score. How we rank.

1
Monarch Money logo

Track, budget, plan, and do more with your money all in one app.

Monarch is a comprehensive personal finance management platform designed to bring all your financial accounts into a single, clear view. It helps users track their net worth, monitor day-to-day spending, and manage cash flow with confidence. The platform offers robust budgeting tools that adapt to individual needs, allowing users to create flexible budgets and stay focused on their financial goals. Beyond individual financial management, Monarch facilitates collaboration, enabling partners or financial professionals to view and manage finances together, making it ideal for couples and families. It also provides features for setting and tracking financial goals, automatically detecting recurring subscriptions, and generating customizable reports to visualize financial trends. With best-in-class data connectivity to over 13,000 financial institutions, Monarch ensures all financial data is always in sync across web, iOS, and Android devices, offering a complete and up-to-date financial picture.

Used Monarch Money? Rate it
  • Pro: Good personal finance
  • Pro: Clean UI
  • Pro: Good aggregation
  • Con: Subscription required
  • Con: No free tier
Good value

Monarch Money charges $99.99/year ($8.33/month) or $14.99/month for a single unified plan, no feature gating, no tiers, no upsells.

Watch out

Monthly billing penalty: $14.99/month ($179.88/year) vs $99.99/year, paying monthly costs 80% more. The annual plan is the only sensible option unless you are testing for a single month.

2
Copilot Money logo

Your money, beautifully organized. The money app that just works.

Copilot Money is a personal finance application designed to help users navigate their finances with confidence. It offers comprehensive tools for tracking spending, managing budgets, monitoring investments, and calculating net worth. The platform aims to provide personalized recommendations to help users save money and grow their wealth. The app utilizes AI to learn spending patterns and automatically tag transactions, becoming smarter with continued use. Key features include a daily spending line, tracking pending refunds and upcoming bills, budget rollovers for unspent funds, cash flow summaries, and subscription detection. It consolidates all financial accounts, including stocks, crypto, and real estate, into one view to provide a holistic net worth overview and live performance estimates for investments. Copilot Money is ideal for individuals looking for an intelligent and integrated solution to manage their personal finances, gain insights into their spending habits, optimize savings, and track their overall financial health across various asset classes.

Used Copilot Money? Rate it
  • Pro: Personal finance app
  • Pro: Good design
  • Pro: Apple integration
  • Con: Apple only
  • Con: Subscription expensive
Good value

Copilot Money's pricing, at $13/month or $95/year, is on the higher end for personal finance apps, especially considering the market.

3
Empower Personal Dashboard logo

Track net worth, cash flow, and investments

Empower Personal Dashboard (formerly Personal Capital) is a free tool to track net worth, cash flow, and investment portfolios, with a retirement planner and investment fee analyzer. Optional paid wealth-management services are offered separately.

Used Empower Personal Dashboard? Rate it
  • Pro: Genuinely free
  • Pro: Strong investment and retirement analytics
  • Pro: Consolidated net-worth view
  • Con: Expect sales calls for the wealth-management upsell
  • Con: Budgeting tools are basic
4
Talvo logo

Talvo

Free plan

Unified European personal finance dashboard with 2,500+ bank connections

Talvo is a personal finance app designed for European users, connecting to a wide range of banks across Europe via licensed PSD2 providers. It automatically syncs transactions, categorizes them using merchant recognition, and provides a unified dashboard to track spending, income, and net worth. The app handles multiple currencies natively with daily exchange rates and stores all data in the EU for GDPR compliance. Talvo offers features like spending trends, a money-flow diagram, merchant intelligence (visit frequency and average spend per merchant), budget rollovers, and mid-month rebalancing. It supports both automatic bank sync and manual account/transaction entry, making it suitable for users who want a comprehensive yet simple overview of their finances without spreadsheets.

Used Talvo? Rate it
  • Pro: Strong European focus with broad bank compatibility and GDPR-compliant data storage
  • Pro: Automatic categorization that learns from user corrections and recognizes local merchants
  • Pro: Free plan available for manual tracking, making it accessible to try without commitment
  • Con: Limited to European banks and currencies, not suitable for users outside Europe
  • Con: No investment tracking or portfolio management features mentioned
Good value

Talvo's pricing is fair and generous, especially with a fully functional free tier.

5
Moflow logo

Moflow

Free plan

Net worth tracker: all your assets in one place

One net worth, 38 currencies. Cash, savings, investments, property and debts, in their own currencies, totalled into one net worth in yours. Free includes daily prices. Moflow+ adds your connected brokerage, your AI, and trends, goals, projections and retirement. Connected accounts update once a day. Read-only: Moflow never trades and never moves money. Moflow never tells you what to buy, sell or hold. Encrypted in transit and at rest.

Used Moflow? Rate it
Moflow screenshot
Good value

Moflow's pricing is fair and competitive.

Popular net worth trackers comparisons

See how the leading net worth trackers stack up head-to-head.

Compare all 5 net worth trackers side by side

Pricing breakdowns for net worth trackers

Real plans and the hidden costs for each tool.

How we ranked these net worth trackers

We rank by real-world signal: G2/Capterra review volume and rating, and media mentions (volume and recency). Pricing is re-checked and the ranking refreshed monthly.

Tools evaluated
5
With free plan
60%
Last updated
November 2026

Toolradar Research

The data behind net worth trackers

First-party analyses built from our full catalog, methodology published.

All Toolradar research

Frequently Asked Questions

What is the best net worth trackers tool in 2026?

Based on our analysis of 5 net worth trackers tools, Monarch Money is our overall net worth trackers pick. The next tools on the list are Copilot Money, Empower Personal Dashboard, Talvo. Rankings use G2/Capterra review volume and rating, and media mentions.

What are the top 3 net worth trackers tools?

The top 3 net worth trackers tools in 2026, ranked by Toolradar, are: 1) Monarch Money, Track, budget, plan, and do more with your money all in one app. 2) Copilot Money, Your money, beautifully organized. The money app that just works. 3) Empower Personal Dashboard, Track net worth, cash flow, and investments.

Are there free net worth trackers tools?

Yes. Empower Personal Dashboard is our free net worth trackers pick (100% free, no paid upgrade path). 3 of the 5 tools on this page have a free plan. Among the 5 net worth trackers tools we rank, 3 have a free plan.

How do I choose the right net worth trackers tool?

Start by defining your team size, budget, and must-have features. Monarch Money is our overall net worth trackers pick. Empower Personal Dashboard is our free net worth trackers pick. Compare all 5 options side by side on Toolradar.

Cite this page: Toolradar, "Best Net Worth Trackers in 2026", updated November 2026, https://toolradar.com/best/net-worth-trackers

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