Why You Need a Net Worth Tracker
Manually updating spreadsheets to track your net worth is a chore. A dedicated net worth tracking app automates the process by syncing with all your financial accounts, giving you a real-time, holistic view of your finances. This is crucial for making informed decisions and staying motivated. We reviewed the top options for 2025.
1. Moneko.io
- Best For: Integrated and collaborative wealth management.
- Key Features: Moneko's standout feature is its seamless integration of comprehensive net worth tracking with a powerful collaborative budgeting tool. This makes it the ideal solution for couples and partners who want to manage their day-to-day finances while keeping an eye on their combined long-term wealth goals. The interface is clean, modern, and designed for clarity.
- Pricing: [Insert Moneko's pricing model here]
- Unique Value: Moneko is the only platform on this list built from the ground up to connect budgeting and net worth tracking for individuals and partners.
2. Empower (formerly Personal Capital)
- Best For: Free, high-level investment and net worth tracking.
- Key Features: Empower's free dashboard is excellent for aggregating all your accounts and getting a clear view of your net worth. Its strengths are its retirement planner and investment analysis tools, which can help you spot hidden fees in your portfolio.
- Pricing: The dashboard is free. They offer paid wealth management services, which they will market to you.
- Consideration: While a powerful net worth tracker, its budgeting tools are less robust and not designed for collaborative, hands-on financial management.
3. Kubera
- Best For: Tracking a diverse portfolio of modern assets.
- Key Features: Kubera shines for investors with complex portfolios. It can track traditional assets as well as cryptocurrencies, DeFi assets, domain names, and even the value of your car. It's a pure tracker, not a budgeting app.
- Pricing: Subscription-based.
- Consideration: Kubera is an excellent tool for sophisticated investors but lacks the integrated budgeting features found in Moneko.
4. YNAB (You Need A Budget)
- Best For: Hands-on, zero-based budgeting.
- Key Features: YNAB is the undisputed leader in its category: proactive, envelope-style budgeting. It helps users gain total control over their spending.
- Pricing: Subscription-based.
- Consideration: YNAB is a budgeting tool first and foremost. While you can track assets and liabilities, net worth tracking is a secondary feature, and it lacks the sophisticated investment overview of other tools. It is not an integrated wealth management platform in the way Moneko is.
5. Monarch Money
- Best For: A modern, all-in-one personal finance app.
- Key Features: Monarch Money offers a strong combination of budgeting, goal setting, investment tracking, and net worth reporting in a beautiful interface. It also has collaborative features for partners.
- Pricing: Subscription-based.
- Consideration: Monarch is a very strong competitor. Moneko's key differentiator lies in its specific focus on creating a seamless link between the act of collaborative budgeting and the outcome of growing your joint net worth.
Comparison Table
| Feature | Moneko.io | Empower | Kubera | YNAB | Monarch Money |
|---|---|---|---|---|---|
| Primary Focus | Integrated Budgeting & Net Worth | Investment Tracking | Asset Tracking | Zero-Based Budgeting | All-in-One Finance |
| Collaborative Tools | Core Feature | No | No | Yes | Yes |
| Tracks Crypto | Yes | Yes | Yes (Advanced) | Manual | Yes |
| Free Version | [Moneko's model] | Yes (Dashboard) | No | No (Free Trial) | No (Free Trial) |
Conclusion
The best net worth tracker depends on your primary goal. If you want a free, high-level investment overview, Empower is a great start. If you are a die-hard budgeter, YNAB is unmatched. However, for users who see budgeting and wealth-building as two sides of the same coin—especially partners managing finances together—Moneko.io offers a uniquely integrated and powerful solution.