Best Net Worth Tracker Apps in 2026: 5 Options Compared

The best net worth tracker app in 2026 depends on what you need it to do. Surplus Budget is the strongest fit for iPhone users who want net worth, budgeting, home value, and crypto in one place. Empower Personal Dashboard is the best free starting point. Monarch Money is best for households. Copilot Money is best for Apple-first design. Rocket Money is best if you care as much about subscriptions and bills as you do about net worth.

This page was refreshed on May 1, 2026 after reviewing official product and pricing pages, current Google Search Console data, and live SERP patterns. The dominant search intent here is still a commercial comparison roundup, so this guide stays focused on choosing the right app.

If you want the basics before comparing apps, start with what net worth is, how to track your net worth in 2026, and our guide to the best net worth tracker app for iPhone.

What is the best net worth tracker app in 2026?

Here is the short version before we break down each option:

App	Best For	Pricing snapshot (as of May 2026)	Home value / equity support	Why it stands out
Surplus Budget	People who want net worth plus budgeting context on iPhone	Free manual tracking; Premium $99/year or $14.99/month	Yes, with Zillow and Rentcast	Tracks banking, investments, crypto, real estate, and surplus in one app
Empower Personal Dashboard	People who want a free net worth dashboard	Free	Manual assets supported	Strong free dashboard for accounts, investments, and net worth
Monarch Money	Couples and households	Core $99.99/year or $14.99/month; 7-day trial	Yes, with Zillow	Shared household view, budgeting, goals, and net worth in one place
Copilot Money	Apple users who want premium design	$95 billed yearly	Yes, with Zillow, Rentcast, or manual tracking	Strong Apple-native experience with net worth, spending, and investments
Rocket Money	People who want subscription cleanup and net worth together	Premium is usually $7 to $14/month with a 7-day trial	Not a core angle on the pricing page	Useful if budgeting, bills, and subscription management matter more than a pure wealth dashboard

How should you choose a net worth tracker app?

Pick a net worth tracker app based on the job you want it to do:

• Choose Surplus Budget if you want your net worth connected to your monthly cash flow, not isolated from it.
• Choose Empower if you want a free dashboard before you commit to a subscription.
• Choose Monarch if you share money with a partner or want one household view.
• Choose Copilot if you want the cleanest Apple-focused experience.
• Choose Rocket Money if you want subscription tracking, bill visibility, and net worth inside the same workflow.

Some people want a pure balance-sheet dashboard. Others want net worth inside a broader budgeting app. Others want home equity or shared household visibility. That is why the right answer changes by use case.

1. Surplus Budget: Best net worth tracker app if you want the full picture on iPhone

Surplus Budget is the strongest option here if you do not want net worth living in a separate tool from the rest of your money.

Surplus's current pricing page says manual tracking is free, while Premium costs $99/year or $14.99/month. The same page also highlights Plaid bank and brokerage connections, Apple Card, Apple Cash, and Apple Savings, crypto tracking, and real estate tracking with Zillow and Rentcast.

Surplus is the best fit if you want:

• net worth and budgeting in the same app
• home value and real estate included in your financial picture
• crypto alongside bank and brokerage accounts
• a money app that shows what you are actually keeping each month

The trade-off is straightforward: this is an iPhone-first product, so it is a weaker fit if your priority is a web-first or Android workflow.

If this is the direction you are considering, also read Best App to Track Spending, Investments, and Crypto Together.

2. Empower Personal Dashboard: Best free net worth tracker app

Empower remains one of the best answers if your main question is, "What is the best free net worth tracker app?"

Empower's current net worth page says you can "see and track your true net worth with our free Dashboard." Its support documentation also shows net worth, budgeting, cash flow, and investment views inside the dashboard.

Why Empower still works well:

• it is free to start
• it is built around a true dashboard view
• it is strong for traditional accounts and investment visibility
• it can handle manually added property and other personal assets

Its main weakness is that it is better for seeing your finances than actively managing day-to-day spending.

If you mostly want a no-subscription way to connect accounts and track wealth over time, Empower is still one of the best places to begin.

3. Monarch Money: Best net worth tracker app for households

Monarch Money is the best fit on this list for couples and shared finances.

Monarch's current help documentation says the Core plan is $99.99/year or $14.99/month, and its pricing flow currently offers a 7-day free trial. Monarch's household help docs say users can invite one or more members to a shared household view under one subscription. Its real-estate help docs also confirm automatic Zillow valuation support for US members.

Choose Monarch if you want:

• one household dashboard instead of separate personal views
• budgeting, goals, and net worth together
• Zillow-backed home value tracking
• a polished mobile and desktop workflow for shared finances

The main trade-off is price. Monarch is a paid product, and its annual plan is higher than Surplus's annual plan.

4. Copilot Money: Best net worth tracker app for Apple-first design

Copilot Money is still one of the cleanest Apple-native finance apps in this category.

Copilot's pricing page currently shows $95 billed yearly, and the same page describes it as a money tracker for spending, budgets, investments, and net worth on Mac, iPhone, and iPad. Copilot's help center also confirms support for real estate accounts, home equity, and several forms of crypto tracking.

Choose Copilot if you want:

• a premium Apple-native interface
• net worth plus spending and budgeting
• home equity visibility inside the same app
• crypto support without moving to a crypto-only tool

The trade-off is ecosystem fit. Copilot is a much easier recommendation if you already live on Apple devices.

5. Rocket Money: Best if subscription cleanup matters as much as net worth

Rocket Money is not the purest net worth tracker app on this list, but it still makes sense for a certain kind of user.

Rocket Money's current pricing explainer says Premium uses a pay-what-you-think-is-fair model that usually falls between $7 and $14 per month, with a 7-day free trial. The same page says the free version includes subscription management, upcoming bill tracking, net income tracking, and limited budgeting tools, while Premium adds deeper automation and net worth tracking insights.

Choose Rocket Money if you want:

• help finding recurring subscriptions
• bill visibility and spending awareness
• a low-friction way to start before paying a fixed annual price
• net worth as part of a broader money-control app

Rocket ranks lower as a pure wealth tracker because net worth is part of a larger Premium bundle rather than the center of the product.

Which net worth tracker apps handle home equity best?

If you specifically want a net worth app that can include home value or home equity, the best options on this list are:

• Surplus Budget, which currently highlights real estate tracking with Zillow and Rentcast
• Monarch Money, which officially supports Zillow-based property tracking for US members
• Copilot Money, which supports Zillow, Rentcast, manual property tracking, and linked mortgage-based home equity views

Empower can still work if you are comfortable with manual assets, but it is not positioning home-value tracking as aggressively on its public product pages. Rocket Money is the weakest fit here if home equity is your main reason for switching.

What should you prioritize when comparing net worth tracker apps?

The best net worth tracker app decision usually comes down to three questions:

1. Does it track the assets you actually own?

Home value, crypto, manual assets, and brokerage depth vary a lot. Do not assume every app covers the same ground.

2. Do you want net worth alone or net worth plus budgeting?

Some apps are mostly dashboards. Others connect net worth to spending, bills, and cash flow. Pick the model that matches how you manage money.

3. Will you actually keep using it?

The best app is usually the one that makes review easy enough to become a habit.

If you still prefer manual control, compare these apps with a net worth spreadsheet.

FAQ

What is the best net worth tracker app in 2026?

For iPhone users who want net worth, budgeting, real estate, and crypto in one place, Surplus Budget is the strongest overall fit. If free matters most, Empower Personal Dashboard is the best place to start.

What is the best free net worth tracker app?

Empower Personal Dashboard is one of the strongest free options because its current net worth page and dashboard documentation both center the product around a free net worth dashboard with connected accounts and investment visibility.

Which net worth tracker app is best for home equity?

If home equity is a priority, Surplus Budget, Monarch Money, and Copilot Money are the strongest options in this comparison because they explicitly support property tracking or home-equity views on their current product and help pages.

Is a net worth tracker app better than a spreadsheet?

It depends on your habits. A spreadsheet gives you maximum control, but an app is usually better if automation helps you stay consistent. For many people, consistency matters more than customization.

Bottom line

If you want a free net worth dashboard, start with Empower. If you want the best household workflow, choose Monarch. If you want premium Apple-native design, choose Copilot. If you want subscription cleanup and budgeting first, choose Rocket Money.

But if you want the best net worth tracker app for seeing the full picture of your money on iPhone, Surplus Budget is the strongest option here because it combines budgeting, net worth, banking, investments, crypto, and real estate in one place.

Want a net worth tracker that also shows what you are actually keeping? Surplus Budget helps you track banking, investments, crypto, real estate, and your surplus in one iPhone app.

Sources

• Surplus pricing
• Empower net worth page
• Empower dashboard overview
• Empower manual property support
• Monarch pricing help
• Monarch households
• Monarch real estate tracking
• Copilot pricing
• Copilot real estate accounts
• Copilot crypto support
• Rocket Money pricing