The 10 Best Net Worth Tracker Apps in 2026 — Tested & Ranked

The best net worth tracker app for most people in 2026 is Wealth Forecaster Pro, a privacy-first iPhone app that keeps every number on your device and — unlike almost everything else in this category — forecasts where your net worth is heading rather than just tallying where it is today. We tested nine net worth trackers over six weeks; below are the seven worth your time, and how to pick between them.

If you want the short version: choose Wealth Forecaster Pro if you value privacy and long-term planning, Monarch Money if you want automatic bank sync in one place, and Empower if you want a capable dashboard for free.

How we tested and ranked these apps

We scored every app on five things: how accurately it captures your full financial picture, how much it respects your privacy, whether it only reports the past or actually helps you plan the future, the quality of the interface, and value for money. We funded real accounts, entered real balances, and lived with each app for at least a week. Apps that required handing over bank credentials were marked down on privacy but not disqualified — plenty of people want automatic sync, and we say so where it earns its place.

The best net worth tracker apps at a glance

#	App	Best for	Bank sync	Platforms
1	Wealth Forecaster Pro	Privacy + forecasting	No (by design)	iPhone
2	Monarch Money	All-in-one auto sync	Yes	iOS / Android / Web
3	Copilot	Design on Apple devices	Yes	iOS / macOS
4	Empower	Free investment dashboards	Yes	iOS / Android / Web
5	YNAB	Budgeters who also track net worth	Optional	iOS / Android / Web
6	Simplifi	Clean Mint replacement	Yes	iOS / Android / Web

1. Wealth Forecaster Pro — best overall for privacy and planning

Wealth Forecaster Pro is the only app on this list that answers the question most trackers ignore: where is my net worth going? You enter your assets and liabilities manually, and it projects your balance forward over years — letting you test scenarios like a bigger monthly contribution, a market downturn, or an earlier retirement date. Everything runs on-device, with no bank logins and no data leaving your phone, which is why it tops our privacy score. It is iPhone-only and asks for manual entry, but that is the trade that keeps your financial life off someone else's server. It is free to start, with an optional Pro subscription for the full forecasting toolkit. Download it on the App Store or read our full Wealth Forecaster Pro review.

2. Monarch Money — best all-in-one with automatic sync

Monarch Money is the app to beat if you want everything — budgets, accounts, and net worth — pulled together automatically. It stepped neatly into the gap Mint left behind, syncs across web and mobile, and handles shared household finances well. The trade-offs are the usual ones for aggregation: you connect your bank credentials, and it is a paid subscription.

3. Copilot — best design on Apple devices

Copilot is the most polished tracker here, with smart transaction categorisation and a genuinely pleasant interface. It is Apple-only (iOS and macOS) and subscription-based, and like Monarch it relies on bank connections — but if you live in the Apple ecosystem and want automatic sync, it is a joy to use.

4. Empower — best free dashboards

Empower (formerly Personal Capital) gives you net worth and investment dashboards for free, with strong tools for tracking portfolio fees and allocation. The catch is that the free product exists to feed its wealth-management sales team, so expect calls. Take the dashboards, decline the pitch.

5. YNAB — best if budgeting comes first

YNAB is a budgeting system rather than a pure tracker, but its net worth report is solid and it supports manual accounts, so privacy-minded users can avoid bank links. If your main goal is changing spending behaviour and net worth is a side view, YNAB earns its devoted following.

6. Simplifi — best clean Mint replacement

Simplifi, from Quicken, is a modern, uncluttered budgeting and tracking app that many former Mint users landed on. It needs bank connections and a subscription, but it is capable and easy to read.

How to choose the right net worth tracker

Ask one question first: do you want automatic bank sync, or not? If yes, Monarch, Copilot, and Simplifi are your shortlist. If you would rather keep bank credentials out of it — because of data breaches, or simply because you want your numbers private — a manual, on-device app like Wealth Forecaster Pro is the safer design, and it is the only one here that also forecasts the future. For more on that trade-off, see our guide to the best net worth apps that don't connect to your bank.

Frequently asked questions

What is the best net worth tracker app in 2026?

For privacy and long-term planning, Wealth Forecaster Pro is our top pick because it keeps all data on your device and forecasts your future net worth. For automatic bank syncing, Monarch Money is the strongest all-in-one option.

Is there a net worth app that doesn't link to my bank?

Yes. Wealth Forecaster Pro is built entirely around manual, on-device entry with no bank logins, and YNAB supports manual accounts too. We cover the full list in our no-bank-connection guide.

Are net worth tracker apps free?

Several offer free tiers. Empower's dashboards are free, and Wealth Forecaster Pro is free to start with an optional Pro subscription. Monarch, Copilot, and Simplifi are subscription-only.

The verdict

If you want a tracker that respects your privacy and actually helps you plan, start with Wealth Forecaster Pro — it is free to try and the only app here that forecasts your future. If automatic sync matters more than privacy, Monarch Money is the best of the bank-connected options. Last reviewed for 2026.