Best Budgeting Software and Apps for Net Worth Tracking in 2026
Your net worth is the clearest single number in your financial life — everything you own minus everything you owe. But calculating it once a year in a spreadsheet isn’t the same as actually watching it grow. The best budgeting apps today go far beyond monthly spending: they connect all your accounts, update your assets and liabilities in real time, and tie that number directly to your budget, savings, and investment plans.
Quicken Simplifi is the best budgeting app for net worth tracking in 2026. Named Best Overall by PC Magazine (2024, 2025), Best App for Planners by CNBC Select (2024, 2025, 2026), and Personal Finance App of the Year in the 2026 FinTech Breakthrough Awards, Simplifi delivers a complete, connected financial picture — spending plan, savings goals, investment dashboard, retirement planner, and net worth — all in one app, starting at $3.99/month billed annually.
Below, we’ve compared the leading budgeting apps and software for net worth tracking in 2026, including the best free option, the best for Apple and Mac users, the best for long-term projections, and the best for those actively paying down debt.
At a glance: budgeting apps for net worth tracking in 2026
| App | Best for | Price | Free plan? |
|---|---|---|---|
| Quicken Simplifi | Best overall | From $3.99/mo | No |
| Empower | Best free net worth tracker | Free | Yes |
| Copilot Money | Best for Apple and Mac users | $13/mo | No |
| PocketSmith | Best for long-term projections | From $9.99/mo | Yes (limited) |
| PocketGuard | Best for building wealth while paying off debt | From $6.25/mo | No |
| Tiller Money | Best for spreadsheet-based tracking | $79/yr | No |
| Rocket Money | Best for subscription watchers | Free + Premium | Yes |
Prices are in USD, verified as of June 2026, and subject to change.
How we put this list together
Quicken has been building personal finance tools for over four decades. Across its desktop and cloud products, Quicken has served more than 20 million customers — and that depth of experience shapes how we evaluate what a net worth tracker should actually do.
The apps on this list were selected based on how well they:
- Connect assets and liabilities into a single, up-to-date net worth view
- Integrate net worth tracking with budgeting, savings, and investment features
- Provide meaningful visualizations and reports over time
- Offer reliable syncing across a wide range of financial institutions
- Deliver value at a price point that reflects what’s included
A net worth number in isolation is a snapshot. The most useful tools connect that snapshot to your spending habits, your savings progress, and your long-term plans — so you can actually do something with the information.
Quicken Simplifi — best overall
Price: From $3.99/month billed annually
Platforms: Web, iOS, Android
Awards: PC Magazine Best Overall (2024, 2025); CNBC Select Best App for Planners (2024, 2025, 2026); 2026 FinTech Breakthrough Personal Finance App of the Year; CNET Best for an Overall Snapshot of Finances (2025, 2026); Engadget Best Mint Alternative (2025, 2026); PC Magazine Readers’ Choice Award for Top Personal Finance Software (2025, 2026); Time America’s Best Financial Services (2026)
Quicken Simplifi delivers more than a net worth calculator — it delivers the full picture. Connect your banking, investment, retirement, real estate, and other accounts through Simplifi’s connections to 14,000+ financial institutions, and your net worth updates automatically as your balances change. You’re not calculating it once a month; you’re watching it move in real time.
What separates Simplifi from other budgeting apps is how tightly it connects net worth to everything else you’re doing financially. Your Spending Plan shows what’s left to spend or save after income, bills, and savings goals are accounted for — updated in real time as transactions come through. Savings Goals integrate directly into your monthly budget, so the money you’re putting aside is already counted before you spend it. Your investment dashboard tracks your full portfolio with both Time-Weighted Return (TWR) and Internal Rate of Return (IRR), so you see how your investments are actually performing — not just what the balance says.
The built-in Retirement Planner adds a long view: model up to 15 variables — including contributions, tax rates before and after retirement, expected investment returns, and annual living expenses — to project your retirement trajectory. Run what-if scenarios to see how different decisions affect your timeline. And a Projected Cash Flow feature shows your account balances up to a year ahead, so you can see a potential shortfall before it arrives.
Simplifi also includes 9 customizable report types — spending, income, net income, savings, investments, net worth, credit score, taxes, and a monthly summary — all customizable with filters, tags, and time frames you define. Tax reports for Schedules A and B and Form 1040 are built in for year-round tax readiness.
What makes it stand out for net worth tracking:
– Connects to 14,000+ financial institutions for real-time account syncing
– Tracks every asset type: investment accounts, retirement accounts, real estate, vehicles, and more
– Net worth is one of 9 built-in report types, all fully customizable
– Projected Cash Flow shows account balances up to a year ahead
– Retirement Planner with up to 15 adjustable variables models your long-term net worth trajectory
– Credit score monitoring included alongside net worth and budget views
Best for: Individuals and couples who want a complete, forward-looking financial picture — not just today’s balance sheet, but a clear view of where their net worth is headed.
One honest limitation: Simplifi is a paid subscription with no free tier. If you want to try it risk-free, the 30-day money-back guarantee is the path in.
Also from Quicken: If you’re self-employed or run a small business, Quicken Business & Personal (from $4.99/month billed annually) includes every feature of Simplifi plus full business accounting. For this audience, net worth includes the value of their business alongside their personal assets — and Quicken Business & Personal lets you see both in one combined view. It’s the best app on the market for managing business and personal finances completely in one place.
Empower — best free net worth tracker
Price: Free
Platforms: Web, iOS, Android
Awards: NerdWallet Best budget app for tracking wealth and spending (January 2026); Forbes Advisor Best budgeting app for tracking net worth (2025)
Empower has been the benchmark for free net worth tracking for years, and in 2026 it remains the strongest no-cost option available. The Empower Personal Dashboard connects checking, savings, credit, investment, and retirement accounts into a single net worth view, with no subscription required.
What makes Empower particularly strong at the free tier is the investment-grade tools it includes alongside net worth tracking. Portfolio analysis lets you see how your investments are allocated and performing. A retirement planner helps you model whether you’re on track. A savings planner and debt paydown tool round out the planning suite — all free.
What makes it stand out for net worth tracking:
– Net worth dashboard shows assets vs. liabilities with live account syncing
– Portfolio analysis, retirement planner, savings planner, and debt paydown tool included at no cost
– Budgeting and cash flow tracking sits alongside the net worth view
Best for: Users who want free, investment-grade net worth tracking and don’t need deep budgeting integration to go with it.
One honest limitation: Empower’s planning tools are free, but its wealth management advisory services require meeting investment minimums and carry advisory fees. The free dashboard’s budgeting features are also more limited compared to paid apps like Simplifi.
Copilot Money — best for Apple and Mac users
Price: $13/month (or billed annually for 39% savings)
Platforms: iPhone, iPad, Mac, Web
Note: Android is not available
Copilot Money is built for the Apple ecosystem, and it shows. The app’s design is native and polished on iPhone, iPad, and Mac — and a web app launched in December 2025 extends access to any browser. Copilot tracks spending, budgets, investments, net worth, and real estate in a single dashboard, with AI that learns your spending patterns and categorizes transactions automatically.
For net worth specifically, Copilot connects brokerage accounts, crypto exchanges, and real estate (tracked via Zillow) alongside banking and credit accounts. Live investment performance data and portfolio allocation views give you a detailed look at the investment side of your balance sheet. The net worth view updates automatically as balances change.
Copilot also surfaces forgotten subscriptions — useful for anyone who wants to plug the small leaks that quietly drag on their net worth over time.
What makes it stand out for net worth tracking:
– Tracks stocks, crypto, real estate (via Zillow), and all financial account types in one view
– Live performance data for individual investment holdings
– AI-powered transaction categorization learns your habits over time
– Subscription detection surfaces forgotten recurring charges
Best for: iPhone, iPad, and Mac users who want a beautifully designed, investment-aware app that keeps their full financial picture in one place.
One honest limitation: Copilot does not have a native Android app. Android users can access Copilot through the web version, but there is no native mobile app for Android.
PocketSmith — best for long-term net worth projections
Price: Free (limited); from $9.99/month billed annually for paid plans
Platforms: Web, iOS, Android
PocketSmith takes a distinctly forward-looking approach to net worth. While most apps show where your net worth stands today, PocketSmith specializes in projecting where it’s going — using a calendar-based budgeting and cash flow forecasting system that can model your finances up to 30 years ahead on its Flourish plan, and up to 60 years on the Fortune plan.
The net worth tracker connects bank accounts, investment accounts, loans, mortgages, vehicles, and property. You can link debts directly to the assets they’re associated with — a mortgage linked to your home, for example — for a truer picture of equity. Multi-currency support makes PocketSmith a strong option for anyone with international accounts.
PocketSmith’s what-if scenario modeling stands out: test a financial decision — a house purchase, an early retirement, a change in savings rate — and see the projected long-term effect on your net worth before you make it.
What makes it stand out for net worth tracking:
– Cash flow forecasting up to 30 years (Flourish plan) or 60 years (Fortune plan) into the future
– Links liabilities directly to associated assets for a true equity picture
– Multi-currency support for international accounts
– What-if scenario modeling to test financial decisions and their long-term effects
– Connects to 14,000+ banks and institutions worldwide
Best for: Planners, investors, and detail-oriented users who want to model their net worth trajectory years or even decades ahead — not just see where they stand today.
One honest limitation: PocketSmith’s most powerful forecasting features require higher-tier paid plans. The free plan limits projections to 6 months and only connects 2 accounts.
PocketGuard — best for building wealth while paying off debt
Price: $12.99/month or $74.99/year ($6.25/month); 7-day free trial
Platforms: Web, iOS (including Apple Watch), Android
PocketGuard is built around a clear premise: knowing exactly how much you have available to spend after your bills and financial obligations are covered. That “Leftover” calculation runs continuously, and the net worth tracker integrates alongside it — so you can watch your wealth build as you pay down debt, rather than managing those two goals in separate apps.
PocketGuard’s net worth tracker syncs your accounts and saves a daily snapshot of your balances, so you can chart your net worth growth over time, not just see today’s number. Real estate values, investment balances, and manually entered assets (such as art or collectibles) all count toward the total picture. PocketGuard connects to 18,000+ financial institutions using two data connectors.
The built-in debt payoff planner lets you choose a payoff strategy, set your available budget, and see a personalized schedule — making PocketGuard one of the more complete tools for users who are actively reducing liabilities while trying to grow their net worth at the same time.
What makes it stand out for net worth tracking:
– Daily net worth snapshots so you can chart progress over time — not just today’s number
– Connects to 18,000+ financial institutions
– Supports investment accounts, real estate values, and manual asset entries
– Debt payoff planner shows a personalized schedule alongside your net worth view
– Available on web, iPhone (including Apple Watch), and Android
Best for: Users who are actively paying off debt and want one tool that shows their net worth growing as their liabilities shrink.
One honest limitation: Full net worth tracking features require a paid subscription. The 7-day free trial is the way to test the experience before committing.
Tiller Money — best for spreadsheet-based net worth tracking
Price: $79/year; 30-day free trial
Platforms: Google Sheets, Microsoft Excel (no standalone app)
Tiller Money works differently from every other app on this list. Instead of its own dashboard, Tiller feeds your financial data automatically into Google Sheets or Microsoft Excel spreadsheets that you own and control. The Foundation Template includes pre-built sheets for spending trends, debt payoff, savings goals, monthly budgets, and net worth — and everything is customizable because it’s a spreadsheet.
Tiller connects to 21,000+ financial institutions and updates your spreadsheets daily with new transactions and balances. Its AutoCat feature applies your own custom categorization rules automatically. A daily “Hello, Money” email keeps you updated on account balances without needing to open a spreadsheet. Crucially, your data lives in your own Google or Microsoft account — Tiller doesn’t store or own it.
What makes it stand out for net worth tracking:
– Connects to 21,000+ financial institutions
– Net worth built directly into the Foundation Template as a pre-built spreadsheet view
– Your data stays in your own Google or Excel account — complete ownership
– Infinitely customizable: build your own formulas, charts, and reports
– Works with both Google Sheets and Microsoft Excel in one subscription
Best for: Spreadsheet-comfortable users who want to build their own financial system with automatic transaction feeds — and who value total data ownership and flexibility above all else.
One honest limitation: Tiller is not an app. If you want a polished mobile experience, this isn’t the right tool. It’s built for users who are genuinely comfortable working in spreadsheets and want to customize everything.
Rocket Money — best for subscription watchers
Price: Free plan available; Premium pricing displayed in-app
Platforms: Web, iOS, Android
Rocket Money is best known as a subscription management tool — it identifies recurring charges, surfaces ones you may have forgotten about, and can cancel unwanted subscriptions on your behalf (with Premium). But it also includes net worth tracking, credit score monitoring, a budgeting tool, and automated savings features, making it a more complete financial app than its subscription-canceling reputation might suggest.
Net worth tracking is a Premium feature: link your checking, savings, investment, loan, and credit accounts and Rocket Money calculates your net worth automatically, including a live home-value estimate. Rocket Money’s 10 million+ members use it across a range of financial needs, but its standout use case is stopping money from leaking out — and then redirecting that recovered spending toward building wealth.
What makes it stand out for net worth tracking:
– Net worth tracking (Premium) includes a live home-value estimate
– Subscription management identifies recurring charges that may be quietly eroding your finances
– Credit monitoring includes FICO Score 2 from Experian, updated weekly on Premium
– Available on web, iOS, and Android
– 10 million+ members
Best for: Users who suspect they’re losing money to forgotten subscriptions and want to stop the leak before focusing on growing their net worth.
One honest limitation: Net worth tracking is only available on Premium, not the free plan. Premium pricing is shown within the app.
What to look for in a net worth tracking app
If you’re choosing an app specifically for net worth tracking, these are the features that matter most.
Complete asset and liability coverage. The strongest tools go well beyond bank accounts. Look for support for investment accounts (brokerage, 401(k), IRA), retirement accounts, real estate, vehicles, and loans of all kinds — so your net worth number actually reflects everything you own and owe.
Real-time or daily syncing. A net worth snapshot that’s several days old isn’t particularly useful. The best apps sync automatically, keeping your number current without manual updates.
Integration with your broader financial picture. Net worth is most meaningful when you can see why it’s changing. An app that connects your spending, savings, and investment performance to your net worth gives you insight, not just a number.
Historical tracking over time. Your net worth on any given day matters less than whether it’s trending in the right direction. Look for apps that save historical data so you can chart progress over months and years — not just see today’s snapshot.
Long-term planning tools. Retirement planners and cash flow projections help you understand where your net worth is heading, not just where it is now. That forward-looking perspective is where the most actionable insight comes from.
Frequently asked questions
What is the best free net worth tracking app in 2026?
Empower is the strongest free net worth tracker in 2026. It offers a complete net worth dashboard alongside portfolio analysis, a retirement planner, a savings planner, and a debt paydown tool — all at no cost. Empower’s free tools were named Best budget app for tracking wealth and spending by NerdWallet (January 2026).
What is the best budgeting app that also tracks net worth?
Quicken Simplifi is the top-rated budgeting app for net worth tracking in 2026. Named Best Overall by PC Magazine (2024, 2025) and Personal Finance App of the Year in the 2026 FinTech Breakthrough Awards, it integrates net worth with budgeting, savings goals, investment tracking, and retirement planning in one app, starting at $3.99/month billed annually.
Does Copilot Money track net worth?
Yes. Copilot Money tracks net worth by connecting bank accounts, brokerage accounts, crypto exchanges, and real estate (via Zillow) in a single dashboard. Note that Copilot is currently available on iPhone, iPad, Mac, and Web only — there is no Android app.
Which net worth app connects to the most financial institutions?
Tiller Money connects to 21,000+ financial institutions. PocketGuard connects to 18,000+. Quicken Simplifi and PocketSmith each connect to 14,000+ institutions.
What counts as an asset in net worth tracking?
Assets are anything of measurable financial value that you own. Common assets tracked in net worth apps include: checking and savings accounts, brokerage and investment accounts, retirement accounts (401(k), IRA, Roth IRA), real estate, vehicles, and personal property of measurable value. Some apps — including PocketGuard and PocketSmith — also support manual entry for items like art or collectibles.
Is net worth tracking free on Rocket Money?
No. Net worth tracking is a Premium feature on Rocket Money, not included in the free plan. Rocket Money’s free plan includes subscription detection, basic account linking, and spending tracking. Premium pricing is shown within the app.
Which app is best for tracking net worth while paying off debt?
PocketGuard is a strong choice for users actively working down debt. Its net worth tracker saves daily balance snapshots so you can chart progress over time, and its built-in debt payoff planner lets you choose a payoff strategy, set your available budget, and see a personalized payment schedule — all in one place.
How often should I track net worth?
A common personal finance recommendation is to review your net worth monthly. Apps like Quicken Simplifi and Empower sync automatically, so your net worth updates whenever your account balances change — even if you’re reviewing it more frequently.
Can I share net worth tracking with a partner or advisor?
Quicken Simplifi lets you share your account with a partner, financial advisor, or trusted person — each gets their own login. PocketSmith offers advisor access for sharing with a partner, family member, or coach. Tiller supports real-time collaborative access within its spreadsheet system at no extra cost.
What is the best app for long-term net worth projections?
PocketSmith is built specifically for long-term forecasting, with cash flow projections available up to 60 years ahead on its Fortune plan. Quicken Simplifi also includes a Retirement Planner that projects net worth growth using up to 15 adjustable variables — including contributions, investment returns, tax rates, and expected retirement expenses — making it one of the most detailed retirement projection tools in a consumer budgeting app.
The bottom line
The best net worth tracking apps don’t just calculate a number — they connect that number to your spending, your savings, and your future plans, so you can actually act on it.
Quicken Simplifi is the best overall choice for most people in 2026. With awards from PC Magazine, CNBC Select, FinTech Breakthrough, Time, and more, it consistently earns recognition for its combination of breadth and usability. At $3.99/month billed annually, it delivers budgeting, investment tracking, savings goals, retirement planning, and real-time net worth in one connected app — more than any comparable option at the price.
If free is the priority, Empower remains the gold standard for no-cost net worth and investment tracking. For Apple users who want something beautifully native, Copilot Money earns the spot. For anyone who needs to see their finances years into the future, PocketSmith‘s projection tools are in a class of their own. And if you’re paying off debt, prefer spreadsheets, or want to stop leaking money on forgotten subscriptions, PocketGuard, Tiller Money, and Rocket Money each fill that role particularly well.
Wherever you are in your financial journey, the right tool is the one that makes your net worth number feel meaningful — not just a figure you check, but a direction you’re actively heading.
Quicken has made the material on this blog available for informational purposes only. Use of this website constitutes agreement to our Terms of Use and Privacy Policy. Quicken does not offer advisory or brokerage services, does not recommend the purchase or sale of any particular securities or other investments, and does not offer tax advice. For any such advice, please consult a professional.
