In 2025, managing your finances is more important than ever. One of the most effective ways to take control of your financial future is by tracking your net worth—the difference between what you own (assets) and what you owe (liabilities). By keeping track of your net worth, you gain valuable insights into your financial health and can make informed decisions about saving, investing, and spending. Thankfully, with the rise of best net worth tracker app, managing your wealth has never been easier or more efficient. In this ultimate guide, we will explore the best net worth tracker apps for 2025, helping you stay on top of your finances and achieve your wealth-building goals.
Why You Should Track Your Net Worth
Tracking your net worth is essential for anyone who wants to make smarter financial decisions. Here’s why it matters:
- Clear Financial Picture: It gives you a clear snapshot of your financial health by showing both your assets and liabilities.
- Goal Setting: Monitoring your net worth regularly helps you measure progress toward your financial goals, whether it’s saving for retirement, paying off debt, or building an emergency fund.
- Informed Decisions: By understanding your net worth, you can make more informed decisions about where to allocate your money, whether it’s paying off high-interest debt, investing, or saving for the future.
- Motivation: Tracking your net worth over time can be a huge motivator, as you can see how your efforts toward saving, investing, and budgeting are paying off.
Now that we understand why net worth tracking is so important, let’s explore the best net worth tracker apps for 2025.
1. Empower (formerly Personal Capital): The All-in-One Financial Dashboard
Empower is one of the most popular net worth tracker apps and offers a comprehensive set of tools for managing your finances. It connects to your bank accounts, credit cards, loans, and investments to provide you with a real-time overview of your net worth. Whether you’re just getting started or are an experienced investor, Empower gives you the tools you need to stay on top of your finances.
Key Features:
- Automatic Syncing: Link all your accounts for up-to-date tracking of assets and liabilities.
- Investment Tracking: View your investment portfolio and make adjustments to optimize growth.
- Retirement Planning: Plan for the future with powerful retirement calculators and tools.
- Spending Insights: Track your spending habits and identify opportunities for savings.
Empower is ideal for individuals who want a comprehensive, all-in-one platform that tracks both net worth and investments, with an added focus on retirement planning.
2. Mint: Simple and Free Financial Management
For those looking for a straightforward, user-friendly net worth tracker, Mint is a fantastic option. It’s a free app that automatically syncs with your financial accounts, giving you a clear picture of your net worth. Mint categorizes your transactions and offers budgeting tools to help you make the most of your money.
Key Features:
- Automatic Syncing: Connect your bank accounts, credit cards, and loans to track your net worth effortlessly.
- Budgeting Tools: Create a personalized budget and track your spending in real-time.
- Net Worth Overview: View your assets and liabilities at a glance.
- Credit Score Tracking: Monitor your credit score and receive insights on how to improve it.
Mint is perfect for those who are new to tracking their net worth or anyone looking for a free, easy-to-use tool to manage their finances.
3. YNAB (You Need A Budget): Master Your Finances with Zero-Based Budgeting
YNAB is more than just a net worth tracker—it's a budgeting app designed to help you manage your money and achieve financial goals. YNAB uses a zero-based budgeting approach, which means every dollar is assigned a job, whether it's saving, spending, or paying off debt. While it focuses primarily on budgeting, it also helps you track your assets and liabilities, giving you a clear view of your net worth.
Key Features:
- Zero-Based Budgeting: Every dollar is assigned a job to ensure you’re making the most of your money.
- Net Worth Tracker: Keep tabs on your assets and liabilities to see your financial progress.
- Debt Management: Helps you create a plan to pay down debt and build your net worth.
- Goal Setting: Set specific financial goals and track your progress toward them.
YNAB is ideal for users who want to combine budgeting with net worth tracking to make their finances more organized and goal-driven.
4. Monarch Money: Personalized Financial Insights
Monarch Money offers a highly customizable experience for users who want to manage their net worth and finances in a way that fits their personal needs. Unlike other apps, Monarch allows you to create a dashboard that focuses on the financial data that’s most important to you, including net worth tracking, budgeting, and savings goals.
Key Features:
- Customizable Dashboard: Tailor the app to highlight your assets, liabilities, and other financial data.
- Real-Time Syncing: Sync all your financial accounts for accurate and up-to-date net worth tracking.
- Financial Goals: Set goals for saving, investing, and reducing debt, and track your progress.
- Expense Categorization: Categorize your spending to see exactly where your money is going.
Monarch Money is a great choice for users who want a personalized and flexible way to track their net worth while managing all aspects of their finances.
5. Wealthfront: Investment and Net Worth Tracking in One
Wealthfront is primarily known as an investment management tool, but it also offers powerful features for tracking your net worth. Wealthfront syncs with your financial accounts, including investments, to provide a real-time view of your assets and liabilities, helping you understand your overall financial health.
Key Features:
- Automated Investment Management: Grow your wealth through personalized, automated investment strategies.
- Net Worth Tracker: Track your assets and liabilities to get a clear picture of your financial situation.
- Retirement Planning: Plan for retirement with projections based on your current financial situation.
- Financial Planning Tools: Get personalized recommendations for achieving your long-term financial goals.
Wealthfront is best for individuals who are focused on growing their wealth through investments while also tracking their net worth.
6. GoodBudget: A Simple, Hands-On Approach
For those who prefer a more hands-on, manual approach to managing their money, GoodBudget is a great option. This app uses the envelope budgeting system, where you allocate funds for specific purposes, such as savings, bills, and debt repayment. While GoodBudget doesn’t automatically sync with bank accounts, it lets you manually track your net worth by entering your assets and liabilities.
Key Features:
- Envelope Budgeting: Assign funds to specific categories to stay organized and avoid overspending.
- Manual Net Worth Tracking: Enter your assets and liabilities manually to track your net worth.
- Debt Management: Keep track of your debt payments and create a plan to pay it off.
- Goal Tracking: Set and track specific savings goals.
GoodBudget is perfect for users who prefer a more traditional, hands-on approach to budgeting and net worth tracking.
Conclusion: Take Control of Your Wealth in 2025
In 2025, tracking your net worth is more important than ever. Whether you’re looking for a comprehensive financial tool like Empower, a simple and free solution like Mint, or a personalized budgeting approach with YNAB, there’s a net worth tracker app that suits your needs. These apps make it easier than ever to stay on top of your finances, achieve your financial goals, and grow your wealth.
Start using one of these best net worth tracker apps today to take control of your financial future and make 2025 your most successful year yet.