Managing your finances can be a challenging task, but with the right tools, it becomes significantly easier. One of the most effective ways to take control of your financial future is by tracking your net worth. Your net worth is the difference between your assets (things you own) and liabilities (things you owe). By regularly monitoring your net worth, you can gain valuable insights into your financial health, track your progress, and make smarter decisions that lead to wealth growth.

In this article, we will explore the best net worth tracker app for 2025, helping you track, grow, and optimize your finances efficiently. Let’s dive into how these apps can assist you on your journey to financial success.

Why Tracking Your Net Worth Matters

Tracking your net worth is more than just a number. It’s a clear indicator of where you stand financially and serves as a powerful tool for optimizing your money management strategies.

1. Financial Awareness: By knowing your net worth, you can get a clear picture of your financial health and identify areas that need improvement.


2. Progress Tracking: Regularly reviewing your net worth allows you to monitor your progress toward long-term financial goals, such as retirement or purchasing a home.


3. Better Decision-Making: With insights into your net worth, you can make informed decisions about saving, investing, and managing debt to improve your overall financial situation.


4. Motivation: Seeing your net worth grow can serve as motivation to continue saving, investing, and working toward your financial goals.

Now, let’s explore the best net worth tracker apps that help you stay on top of your finances.

1. Empower (Formerly Personal Capital): A Complete Financial Dashboard

Empower is one of the top-rated net worth tracker apps in 2025, offering a comprehensive platform for managing your finances. This app not only tracks your net worth, but also provides powerful tools for budgeting, investment management, and retirement planning. By syncing all your financial accounts, Empower gives you a real-time overview of your financial situation.

Key Features:

• Real-Time Net Worth Tracking: Syncs with your bank accounts, credit cards, loans, and investments to provide an up-to-date view of your net worth.


• Investment Monitoring: Track your investment portfolio and analyze its performance.


• Retirement Planning: Empower offers retirement planning tools that help you determine how much you need to save for a comfortable retirement.


• Spending Insights: Categorize your spending and identify areas where you can cut back to boost your savings.

Best For: Users looking for a comprehensive financial tool that combines net worth tracking, budgeting, investment management, and retirement planning.

2. Mint: The Free, Simple Net Worth Tracker

Mint is a widely popular and free net worth tracker app that offers an easy-to-use interface and powerful financial tools. By syncing with your bank accounts, credit cards, and investments, Mint provides you with an overview of your net worth and tracks your progress toward financial goals.

Key Features:

• Automatic Account Syncing: Link all your accounts to see a real-time update of your net worth.


• Detailed Net Worth Overview: Mint displays your assets and liabilities, offering an instant snapshot of your financial situation.


• Budgeting Tools: Set up personalized budgets and track your spending against predefined categories.


• Credit Score Monitoring: Mint also provides free credit score updates, helping you monitor your credit health.

Best For: Users who want a simple, free tool for tracking net worth and budgeting with basic features.

3. YNAB (You Need A Budget): Budgeting with Net Worth Tracking

YNAB is a budgeting-focused net worth tracker app that emphasizes hands-on financial management. YNAB’s zero-based budgeting system helps you assign every dollar to a specific goal, whether it’s paying off debt, saving for a vacation, or investing for the future. It also allows you to track your net worth by manually entering your assets and liabilities.

Key Features:

• Zero-Based Budgeting: Allocate every dollar to a specific category, ensuring you stay on track with your finances.


• Manual Net Worth Tracking: Enter your assets and liabilities to manually track your net worth.


• Debt Management: Track your debt and prioritize payments to reduce liabilities.


• Goal Setting: Set and track progress toward savings goals, debt reduction, or investing targets.

Best For: Users who want to combine budgeting with net worth tracking and prefer a more hands-on approach to money management.

4. Monarch Money: A Personalized Approach to Financial Management

Monarch Money stands out for its flexibility and customization, allowing you to personalize your financial dashboard and track the metrics that matter most to you, including net worth, spending, and savings. This app offers a comprehensive solution for managing your finances, with a special focus on net worth and financial goal tracking.

Key Features:

• Customizable Dashboard: Tailor your app to display key metrics, including net worth, income, expenses, and savings goals.


• Automatic Account Syncing: Sync all your financial accounts for an accurate and up-to-date picture of your net worth.


• Goal Tracking: Set financial goals, from saving for a major purchase to paying off debt, and monitor your progress.


• Expense Categorization: Categorize and analyze your expenses to identify opportunities for saving.

Best For: Users who want a highly customizable financial management app that integrates net worth tracking with goal setting and expense analysis.

5. Wealthfront: Investment and Net Worth Tracking in One

Wealthfront is an investment-focused net worth tracker that also provides financial planning tools. Ideal for users looking to optimize their investments while tracking their net worth, Wealthfront syncs with your bank accounts, loans, and investment portfolios to give you a comprehensive view of your finances.

Key Features:

• Automated Investment Management: Wealthfront offers personalized investment portfolios that are automatically managed.


• Net Worth Tracker: View a detailed breakdown of your assets, liabilities, and overall net worth.


• Retirement Planning Tools: Plan for retirement with personalized projections based on your current financial data.


• Financial Projections: See how your financial decisions today will impact your future wealth.

Best For: Users who are focused on investing and want to track their net worth alongside their investment portfolio and retirement planning.

6. GoodBudget: Manual Budgeting and Net Worth Tracking

GoodBudget is a manual budgeting app that also allows you to track your net worth by entering your assets and liabilities manually. It uses the traditional envelope budgeting method, where you allocate money to specific categories to control your spending.

Key Features:

• Envelope Budgeting: Allocate funds to different categories (e.g., groceries, savings, debt payments) to manage your budget.


• Manual Net Worth Tracking: Enter your assets and liabilities manually to track your net worth over time.


• Debt Tracking: Set up debt payment goals and monitor your progress.


• Savings Goals: Track savings goals and see how they affect your overall net worth.

Best For: Users who prefer a manual approach to budgeting and want complete control over their net worth tracking.

Conclusion: Optimize Your Finances with the Best Net Worth Tracker Apps

Tracking your net worth is a powerful way to stay in control of your finances, make informed decisions, and track your progress toward financial independence. The best net worth tracker apps for 2025 offer a range of features, from automatic account syncing and investment management to customizable dashboards and goal tracking.

Whether you're looking for a comprehensive solution like Empower, a free and simple tool like Mint, or a hands-on approach with YNAB, these apps provide the tools you need to track, grow, and optimize your finances. Choose the one that aligns with your financial goals and start tracking your net worth today to take control of your financial future!