APPS TO TRACK NET WORTH: THE BEST TOOLS TO MANAGE YOUR FINANCES IN 2025

Apps to Track Net Worth: The Best Tools to Manage Your Finances in 2025

Apps to Track Net Worth: The Best Tools to Manage Your Finances in 2025

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In an era where managing personal finances is more important than ever, tracking your net worth has become a crucial step toward achieving financial success. Your net worth—calculated by subtracting your liabilities (debts) from your assets (savings, investments, property)—gives you a clear snapshot of your financial health. Thankfully, apps to track net worth make this process simple and efficient, providing you with the tools needed to monitor and improve your financial situation. In this article, we’ll dive into the best net worth tracking apps in 2025 and explore how they can help you take control of your finances.

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


Empower is one of the most powerful apps to track your net worth. Not only does it provide an overview of your assets and liabilities, but it also gives you access to detailed reports on your spending habits, investments, and retirement planning. It’s an ideal choice for those looking for a comprehensive financial management solution.

Key Features:

  • Automatic syncing: Links to your bank accounts, credit cards, investments, and loans, providing a real-time view of your net worth.

  • Investment tracking: Tracks your portfolio and helps optimize asset allocation.

  • Retirement planning: Includes retirement planning tools to project your financial future.

  • Free wealth management advice: Offers expert insights into how you can improve your financial health.


Empower is the perfect app for anyone who wants to track their net worth while also planning for retirement and optimizing their investments.

2. Mint: A User-Friendly Option for Beginners


Mint has long been a favorite for those looking for a simple, easy-to-use app for managing finances. It’s an excellent choice for individuals just starting out with financial tracking. Mint connects to all your financial accounts, from checking accounts to credit cards and loans, and gives you a comprehensive overview of your financial health.

Key Features:

  • Account syncing: Easily syncs with all your financial accounts, offering a complete picture of your assets and liabilities.

  • Budgeting tools: Tracks your spending and categorizes expenses to help you stay within budget.

  • Goal setting: Helps you set financial goals, such as saving for a vacation or building an emergency fund.

  • Credit score monitoring: Includes a free credit score feature to keep track of your credit health.


Mint is a great choice for beginners or those who prefer an intuitive, straightforward way to track their net worth and manage their finances.

3. YNAB (You Need A Budget): A Budgeting-Centered Approach


YNAB is a budgeting-focused app that also helps you monitor your net worth. The app uses a zero-based budgeting system, which helps ensure that every dollar is assigned a purpose—whether it’s saving, investing, or paying down debt. YNAB is great for those who want to combine budgeting with net worth tracking to optimize their financial strategy.

Key Features:

  • Zero-based budgeting: Ensures that every dollar you earn is accounted for, whether it's being spent, saved, or invested.

  • Net worth tracking: Monitors your assets and liabilities, offering a clear picture of your financial standing.

  • Goal tracking: Lets you set and track specific financial goals, such as paying off debt or saving for a major purchase.

  • Debt management: Helps you create a plan to pay down your liabilities while growing your assets.


YNAB is ideal for those who want a detailed budgeting system that also helps with tracking and improving their net worth over time.

4. Monarch Money: Personalized Financial Insights


Monarch Money is a more recent entrant into the financial tracking app market, but it’s quickly gaining popularity for its customizable and user-friendly interface. Monarch allows you to tailor your financial dashboard to show the data that matters most to you, such as your net worth, expenses, or investments.

Key Features:

  • Customizable dashboard: Personalize the app’s interface to focus on the financial data that matters most to you.

  • Real-time syncing: Links all your financial accounts, giving you an up-to-date view of your net worth.

  • Goal and milestone tracking: Track your progress toward financial goals, whether it's saving for a house or paying off student loans.

  • Expense management: Categorizes your spending to help you identify areas to save and allocate funds toward growing your net worth.


Monarch Money is perfect for those who want a tailored financial experience with a focus on long-term wealth growth and net worth tracking.

5. Wealthfront: Focused on Investments and Net Worth Growth


Wealthfront is an app that’s widely known for its investment management services, but it also offers a great tool for tracking your net worth. By syncing with your financial accounts, Wealthfront gives you an up-to-date snapshot of your assets, liabilities, and investment performance.

Key Features:

  • Investment portfolio management: Wealthfront helps you grow your wealth by providing automated investment services.

  • Real-time syncing: Syncs with your bank, loan, and investment accounts to give you a full view of your financial picture.

  • Net worth tracking: Monitors both your assets and liabilities, helping you keep track of your overall financial health.

  • Retirement planning: Wealthfront also helps plan for retirement, offering personalized recommendations based on your financial situation.


Wealthfront is perfect for individuals who are focused on investment growth and want a clear view of their net worth as they build wealth over time.

6. GoodBudget: A Simple Envelope Budgeting App with Net Worth Tracking


GoodBudget is an envelope budgeting app that can be used for net worth tracking. Though it doesn’t automatically sync with your bank accounts, it allows you to manually input transactions and monitor your savings, expenses, and debts. It’s ideal for people who prefer a more hands-on approach to budgeting and net worth tracking.

Key Features:

  • Envelope budgeting system: Helps you allocate money to different categories (savings, spending, debt repayment).

  • Manual entry: Allows you to track income and expenses manually.

  • Net worth tracking: Keeps track of your assets and liabilities to give you a picture of your financial standing.

  • Debt management: Helps you create a strategy to pay off loans while saving and growing your net worth.


GoodBudget is perfect for individuals who enjoy a more traditional approach to budgeting and want to manually track their assets, liabilities, and net worth.

Conclusion: Choose the Right App to Track Your Net Worth


With so many great net worth tracker apps available in 2025, there’s a solution for every type of user—whether you're looking for a simple app to monitor your assets and liabilities, or a more comprehensive tool to manage investments, retirement planning, and budgeting. Apps like Empower, Mint, YNAB, Monarch Money, Wealthfront, and GoodBudget provide various features that can help you track your financial progress and make informed decisions to grow your wealth.

By regularly using one of these apps, you’ll have the tools you need to track your net worth, stay on top of your finances, and work towards your financial goals with confidence.

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