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These net worth trackers calculate the value of your assets and liabilities.
Many of these companies offer free net worth tracking tools alongside their core product, which are usually budgeting tools or investment management.
So let’s dive in and take a look at five of the top net worth tracking tools on the market.
The Best Net Worth Trackers
- Personal Capital Net Worth Calculator
- Mint Budget Tracker & Planner
- PocketSmith Budgeting & Personal Finance Software
- You Need a Budget (YNAB) Budgeting App
- Kubera Portfolio Tracker
Best Net Worth Trackers Compared
|Brand name||What’s Different||Notable Feature||Price|
|Personal Capital||Net worth calculator||Full net worth dashboard||Free|
|Mint||Custom budget||Credit monitoring||Free|
|PocketSmith||What if finance simulator||Future finance projections||$0/month, $9.95/month, or $19.95/month|
|YNAB||Customize your net worth calculation||Set multiple savings goals||$14.99/month or $98.99/year with a 34-day free trial|
|Kubera||Supports Crypto||Real-time market prices for homes & vehicles||$150/year with a 14-day trial for $1|
1. Personal Capital
Personal Capital is at its core a wealth management service. Their focus is on selling their investment services which they break down into three tiers: less than $200K, between $200k- $1 million, and over $1 million.
As a part of determining which level you potentially fall under, they offer their Net Worth Tracker to all potential customers for free.
The first step involves a quick calculation where you can enter two different assets (retirement account, savings account, etc.) and two different liabilities (outstanding loans, credit card debt, etc.). This will give you an initial rough calculation of your net worth.
What comes next is the nitty-gritty. You’ll need to create an account and link it to your investments, bank, and other financial accounts. You will also be asked to specify your current outstanding debts, i.e. how much you owe on your mortgage.
Personal Capital will then do all of the number-crunching and present you with a custom net worth value. This includes a complete dashboard with real-time information on all of your accounts, as well as a graph to track changes to your net worth quickly.
This dashboard is completely free.
Personal Capital will then offer you a free session with a financial advisor and a personalized plan to suit your financial goals. Only if you decide to retain their investment portfolio management services will you be charged anything.
Mint offers net worth tracking for a very different purpose. Budgeting.
Mint is Intuit’s budget planning tool that helps consumers keep track of their spending habits. Intuit is the same company behind TurboTax, Credit Karma, and Quickbooks.
In order to plan your budget and track your spending, Mint requires you to link all of your accounts to their service/app. This is so they can accurately track where your money goes each month.
You can then set up a custom budget, receive notifications when a bill increases, and track your expenses.
Mint also offers you “Mintsights”, which are insights on how to stick to your budget, pay down debt, and it includes a feature for tracking your net worth.
Since your accounts are already linked to Mint for budget planning purposes, it is easy for Mint to use this information to track your net worth. Your net worth value will be updated as your finances change from month to month.
Mint also offers a free credit score and credit monitoring service as well as a bill negotiation service to further help you build your net worth.
Mint can offer their budget planning service for free as they obtain revenue from advertising and through their bill negotiation service.
PocketSmith is a budgeting software that lets you keep track of your finances in real-time and can give you a glimpse into what your future finances may look like.
PocketSmith offers highly customizable budget-building tools that support various unique situations.
One of the features they offer is the support of multiple currencies. So, if you have assets or income from different countries, you can manage them in PocketSmith using the original currency.
As part of planning out your finances and future, PocketSmith allows you to specify multiple sources of income, including side hustles and gigs.
Part of their cash flow management resources is a net worth tracker. The dashboard for this tool shows you a quick breakdown of your assets, liabilities, and current net worth. It is a straightforward tool with no frills.
Where PocketSmith excels is in helping you plan for your future. With their cash flow forecasting software, you can take a peek at what your finances will look like up to 30 years in the future.
And you can test out various scenarios to see how they could impact your finances. Create custom scenarios for paying off debt or purchasing a house to see the impact on your future finances.
The best part is you can access most of PocketSmith’s features for free. Their “Basic” plan supports 12 budgets and up to six months’ forecasting. But you’ll have to enter in your assets & liabilities manually.
They also have a “Premium” plan for $9.95/month that automatically links to your bank accounts and supports an unlimited number of budgets. Or they have the “Super” plan for $19.95/month that offers projections up to 30 years in the future.
4. You Need A Budget (YNAB)
You Need a Budget (YNAB) offers a highly customizable budgeting app.
The budget you create can include multiple savings goals like taking a vacation and saving for a down payment on a house at the same time. And it can be customized to plan for recurring bills that don’t happen monthly, i.e. bills charged quarterly.
YNAB’s focus is more on the future of your finances, and as a part of this, they offer a straightforward overview of your net worth.
As part of your initial account creation, you’ll need to link all of your financial accounts (bank, retirement, etc.) to the app. YNAB can then use this information to calculate your current net worth.
They display this information in a color-coded graph that details the total value of your assets versus the total value of your debts. You can even customize what is included in your net worth calculation, i.e. you can remove your house from the calculation.
The net worth tracker is just one of many resources YNAB offers. They also give you access to various calculators, goal tracking, support of multiple budgets, and more.
Unfortunately, all of these resources come at a cost. YNAB offers a 34 day free trial of their budgeting app. After that, you can opt for the monthly plan for $14.99/month or the annual plan for $98.99/year. And you can cancel your plan at any time.
The good news is that YNAB states that their average customer saves $600 in the first two months. That’s more than enough to cover the price of their service.
Putting aside the budget planning and investment management services, Kubera is a dedicated net worth tracking service.
Much of the initial set is the same, you’ll need to create an account and link all of your accounts, but Kubera offers a few extra features for helping with determining your net worth.
Instead of estimating the value of your car, you can enter the VIN. This way, Kubera can display an accurate dollar value for your vehicle that updates as the market changes.
They do something similar for houses. You can pull the value of your home from Zillow. Once again, this gives you an accurate dollar total that changes as market conditions change.
You can also directly link Kubera to your crypto wallet so that you can track the current state of your crypto investments.
Kubera even supports non-traditional assets like values for domain names and NFTs.
Another unique feature is the share portfolio feature which allows you to quickly detail to your CPA, family, or financial planner the state of your finances.
Being a dedicated net worth tracking service, Kubera is the most expensive option on our list. You can start with a 14-day trial, but even that is not free, it costs $1. After that, it will cost you $150/year.
How Do I Keep Track of My Net Worth?
The calculation is actually pretty simple.
First, total up all of your assets. This can include:
● Savings account
● Checking account
● 401K (and other retirement accounts)
● Investment accounts (including crypto)
● Real Estate
● Vehicles (car, boat, RV)
● Personal property (i.e., jewelry, antiques, etc.)
Then you’ll need to total up your liabilities or debts. This can include:
● Credit card debts
● Auto loans
● Student loans
● Other types of loans (credit builder, debt consolidation, payday, etc.)
● Tax payments
To get to your net worth value, you’ll need to subtract your liability total from your asset total. This number can be negative.
Total Assets – Total Debts = Net Worth
From here, you just need to periodically re-check it. Once a year will probably suffice.
Or, if you prefer a hands-off approach, check out one of the services we mentioned above.
Is it Worth Tracking Net Worth?
There are several good reasons for obtaining knowledge of your net worth, each suited to different circumstances of life.
If you are struggling with your finances or feel that you are drowning in debt, knowing your net worth can help you get the full picture of your financial situation. You can then use this information to prioritize which debts you pay down first and keep a tighter rein on spending.
It is also a good number to be aware of when purchasing life insurance. The amount of life insurance you take out needs to cover the value of your debts and provide your loved ones with financial security. Your net worth value can be a good first step in purchase considerations.
One of the most common times people take a look at their net worth is when they are planning for their retirement. That net worth value can give you a good idea of whether you will have enough money in retirement or not.
What is a Good Net Worth by Age?
Unlike retirement planning, there are no hard and fast rules about how much net worth you should have at any age.
Circumstances change all the time, and you might find yourself taking on huge debts in your 50s or sitting on substantial assets in your 20s.
While there are no proper guidelines on what your net worth should be, the Federal Reserve Board initiated a consumer finance survey in 2019 to determine the average net worth of respondents.
To continue learning about financial literacy, see the following articles in the series:
- Good Debt vs. Bad Debt: Know The Difference
- How To Create A Personal Balance Sheet
- Is It Better to Put a Large Down Payment on a House
- Dave Ramsey vs. Robert Kiyosaki: Who Should You Listen To?
- How to Use Credit to Build Wealth
Amanda Garland is a personal finance blogger living in Dallas, TX. 10 years ago she was living paycheck to paycheck and knew nothing about how credit works. She learned some hard lessons in her fight for financial stability. Now she has a friendly competition going with her husband to see who can reach a credit score of 850 first. She is also a poet, having obtained a Bachelor of Fine Arts degree in Creative Writing.