TOP 7 Net Worth Tracker Apps for iPhone (2025)

Alright, let’s keep it simple:

Net worth = what you own minus what you owe. 

That’s it. 

But tracking it? That’s where most people mess up or just never bother.

The thing is, once you start keeping tabs on it, you actually see where you stand.

Not just your bank balance, but the whole picture — savings, debt, investments, loans, all of it.

Now, most apps are built for budgeting.

But if you’re looking for something that tells you your net worth in real-time, without digging through 5 different apps or spreadsheets, I’ve got you.

I went through a bunch of options and picked out 7 net worth tracker apps that actually work on iPhone.

Some are dead simple. Some are crazy detailed.

A few are paid, most are worth it.

Let’s get into it.

1. Empower – I Like it the Most

Pros:

• Tracks everything automatically
• Free to use (no paywall for main features)
• Includes investments, loans, retirement, and more
• Clean dashboard, works great on iPhone

Cons:

• You need to link accounts
• Might pitch you advisory services if you’ve got big assets

Price: Free

If you want one app that just does it all — and does it for free — Empower is it.

Seriously.

You connect your accounts once, and it pulls in everything: checking, savings, credit cards, loans, investments, even your home value if it’s listed.

Then it shows your net worth in one clean view.

You also get tools most free apps don’t touch — like investment performance, fee analyzer (tells you if your 401k is quietly draining), and a retirement planner that actually makes sense.

And the app’s super polished.

Whether you’re checking it on your iPhone or logging in from your laptop, it just works.

Now, yeah — Empower might hit you up with a call or email if you’ve got more than $100K in linked assets.

They’ll offer financial advisory services, but you can ignore that.

No pressure.

They don’t lock you out of features or make anything weird.

If you’re just starting to track your net worth or want something that keeps everything in one place, with zero spreadsheet drama, Empower is your go-to.

Free, powerful, and stupidly easy to use.

This is the one I’d recommend to anyone.

No catch, just facts.

2. Kubera – Best for Tracking Diverse Assets

Pros:

• Tracks literally everything — even crypto and domain names
• Supports international accounts and currencies
• Super clean layout with real-time updates
• No ads, no upsells, no data selling

Cons:

• No free version
• Not ideal for budgeting or goal tracking

Price: $249/year.

If you’ve got a bunch of stuff spread out — like crypto wallets, investment accounts, real estate, even side hustle domains — Kubera is built for you.

It’s not your typical budgeting app.

This one’s more like your personal financial HQ.

You can track your net worth across bank accounts, stocks, retirement plans, loans, gold, cars, NFTs, private investments — you name it.

And if you’ve got assets outside the U.S.? No problem.

Kubera supports tons of international institutions and multiple currencies.

It automatically updates the values, too, so you’re not stuck entering things manually every week.

The design is super minimal.

Just a clean dashboard showing your total net worth, how it’s moving, and what’s growing (or tanking).

You can even add things like your car’s value or your domain portfolio, and it’ll pull in live valuations.

What I really like? Kubera doesn’t try to sell you anything.

No ads. No popups. No weird data tracking.

You pay for the app, and that’s it.

It’s $249/year, which might feel like a lot, but for people who want full control and privacy, it’s honestly worth every dollar.

So yeah, if your finances aren’t just basic checking and savings, and you want to see everything in one place without the noise, Kubera’s the one.

3. Monarch Money – Best for Couples or Shared Finances

Pros:

• Perfect for couples or families
• Clean interface, super easy to use
• Tracks budget, net worth, and shared goals
• Syncs all accounts in one place

Cons:

• No free version
• Can feel basic if you’re a finance nerd

Price: $14.99/month or $99.99/year.

If you and your partner are trying to get on the same financial page, Monarch Money makes it way easier.

You both get access to one shared dashboard where everything shows up: joint accounts, personal accounts, credit cards, savings goals, and of course, your net worth.

What makes it different from other apps? It’s made for collaboration.

You can tag transactions, assign budgets, create shared goals like “Vacation Fund” or “Pay off that one annoying loan,” and both of you can track progress.

It’s not like Mint, where it feels like one person is in control and the other is just… there.

Monarch also lets you see your net worth broken down by asset type — checking, investments, property, and debts — and shows how it changes over time.

Everything syncs automatically, and the layout is super smooth, too.

It doesn’t do hardcore investing stuff like Empower or Kubera, but that’s not really the point.

Monarch is about clarity + teamwork.

It works especially well if one of you is into numbers and the other just wants to know, “Are we okay?”

It’s paid — $8.33/month billed yearly.

But if you’re managing money with someone else, it’s 100% worth it.

You’ll argue less, plan better, and actually stay on track.

4. Tiller Money – Best for Spreadsheet Lovers

Pros:

• Connects all your accounts to Google Sheets or Excel
• Fully customizable net worth tracking
• Daily auto-updates — no manual data entry
• Great for people who love digging into the details

Cons:

• Not an app — it’s a spreadsheet-based tool
• Bit of a learning curve if you’re new to spreadsheets

Price: $79/year.

If you’re the kind of person who already has a giant money spreadsheet or wants one that doesn’t break every time you sneeze, Tiller is gonna feel like home.

Here’s how it works: you connect your financial accounts once, and Tiller automatically pulls in all your balances into a Google Sheet (or Excel).

It fills in your checking, savings, loans, investments, everything.

Then, it calculates your net worth, shows trends, and even helps you build out custom dashboards if you want to go full nerd mode.

No clunky app. No weird interface.

Just a super clean spreadsheet that updates itself daily.

You can tweak the templates, build your own categories, add graphs, track debt payoff, set up alerts — literally anything you want.

And because it’s all spreadsheet-based, you’re not locked into how someone else thinks your money should be shown.

You get full control.

Now, this one isn’t for everyone.

If the word “spreadsheet” gives you hives, maybe skip it.

But if you love that feeling of knowing every detail, being able to sort, filter, and customize everything — Tiller’s a beast.

It’s $79/year after a 30-day free trial, and honestly? Worth every penny if you’re about that DIY finance life.

5. YNAB – Best for Budget-Focused Users

Pros:

• Helps you stay on top of every dollar
• Net worth tracking built-in as you budget
• Great for paying off debt or saving fast
• Super loyal user base — people love this app

Cons:

• Costs $99/year after trial
• Bit of a learning curve at the start
• Not made for tracking investments or assets like crypto

Price: $14.99/month or $109/year.

If you’re trying to take control of your money, like, for real — YNAB (You Need A Budget) is that tough-love coach that actually works.

It’s not just a budgeting app.

It’s a whole money system that teaches you to give every dollar a job.

The net worth part happens naturally as you use it.

Every time you add money, spend money, or pay down debt, your net worth updates in the background.

You don’t have to track it manually, it’s built into how the app works.

YNAB’s biggest win is to make you way more intentional.

You stop guessing, stop overspending, and start seeing progress.

Whether it’s killing off credit cards, stacking up savings, or finally feeling in control, this app gets you there.

Now, it does take a minute to get the hang of it.

It’s not like those simple budgeting tools that just show “You spent $400 on food.”

YNAB wants you to plan every dollar ahead of time.

But once it clicks? Game changer.

It’s $14.99/month or $109/year, and yeah — it’s not free.

But most people who stick with YNAB say it pays for itself in like a month or two.

If you’re tired of wondering where your money went, this is the reset button.

6. WorthTracker – Best for Manual Tracking

Pros:

• No account linking — you control everything
• Great for tracking net worth manually
• Clean, simple design
• Free version available

Cons:

• You have to enter everything yourself
• No advanced tools like investments or budgeting
• Lacks real-time syncing or bank integrations

Price: Free, $3.49/month, or $24.99/year.

Some people just don’t want to link their bank accounts to an app, and that’s totally fair.

If you’re one of them, WorthTracker is exactly what you’re looking for.

It’s a super clean, no-nonsense net worth tracking app where you manually enter your assets (like savings, car, crypto, house) and liabilities (loans, mortgage, credit cards), and it spits out your net worth.

That’s it.

No ads. No popups. No weird sales stuff.

Just you and your numbers.

The layout’s simple but good.

You can track changes over time, see charts of how your net worth is growing (or shrinking), and organize stuff by category.

And the app doesn’t try to overdo it with too many features, which is honestly refreshing.

You’ll need to do a little work, though.

Since nothing links automatically, it’s up to you to update your numbers every now and then.

But for people who want full control, or just don’t feel cool giving financial apps access to everything, WorthTracker is a solid choice.

It’s free to start, with a one-time upgrade if you want extras like passcode protection or unlimited entries.

No subscriptions. No hidden fees.

So if you’re more “let me track this myself” and less “connect all my accounts,” this one’s for you.

7. Simplifi by Quicken – Best All-in-One Modern Tracker

Pros:

• Tracks spending, saving, and net worth in one place
• Beautiful, modern interface
• Great for daily money management
• Backed by Quicken, long-term support, and trust

Cons:

• Paid only
• Limited investment tools compared to others
• Not ideal for complex portfolios

Price: $3.99/month (billed annually).

If you want an app that just works — something that looks good, feels smooth, and keeps your whole financial life in one clean view — Simplifi is your pick.

It’s like the modern version of Quicken, built for folks who don’t want to deal with spreadsheets or clunky dashboards.

Simplifi automatically pulls in your accounts, tracks your spending, lets you set goals, and yep — keeps an eye on your net worth.

You can see all your balances in one place, categorize your stuff, and even get a forecast of where your money’s headed.

What I like is how visual it is.

You don’t need to dig through menus.

Your net worth, spending trends, and upcoming bills are front and center.

It also helps you build savings goals and track them over time.

So, whether you’re trying to stash $1,000 for a new iPhone or pay off that annoying car loan, you can watch the progress in real-time.

It’s not the deepest tool out there.

You won’t get hardcore investment tracking like Kubera or Empower.

But it nails the basics with style.

For most people who just want to stay on top of their money without feeling overwhelmed, Simplifi hits the sweet spot.

It’s $47.99 a year, which honestly feels fair for what you get.

If you want something modern, reliable, and dead simple to use, this is it.

My Final Take

Look, you don’t need ten apps and five spreadsheets to figure out your net worth.

You just need one app that fits how you like to manage money.

If you want something that’s free, powerful, and just works out of the box, go with Empower.

It’s the one I’d recommend to almost anyone.

Tracks everything, looks clean, and doesn’t charge you a dime unless you want the fancy advisor stuff (which you don’t need).

But not everyone wants to link their accounts.

If you’re more private and want full control, WorthTracker is a solid pick.

You do the work, but you own everything. No shady data stuff, no surprises.

• Got crypto? Go Kubera.
• Want to team up with your partner? Go Monarch.
• Spreadsheet obsessed? Tiller’s your best friend.
• Trying to budget better? YNAB will keep you in check.
• Want something modern and simple? Simplifi’s got your back.

At the end of the day, just start tracking it — even if it’s messy.

Your net worth tells you way more than just how rich you are.

It shows if you’re heading in the right direction.

And that’s the goal, right?

That’s all from me. 

If you’re using something else that works for you, or even some hidden gem nobody talks about, drop it in the comments.

I’d seriously love to check it out.

FAQs