Who wrote this: we're The Big Head, an app studio in Edmonton. We make Vault Flow - Finance App, which is listed first below. We've flagged it clearly and written its drawbacks the same way we wrote everyone else's — you can judge it against the rest on the details, and the other 9 are here because they're genuinely good.
A net worth tracker answers one question a budgeting app usually buries: what do you actually own, minus what you owe, and is that number moving in the right direction? This guide is for anyone who wants that figure on their iPhone — whether you're happy handing an aggregator your bank logins or you'd rather type the numbers in yourself once a month.
Every app below was checked against its live App Store listing before it made the list. Features come from what the listing actually claims, pricing is described as a model rather than a price, and each entry carries a real limitation. Apps we couldn't verify were dropped rather than padded back in.
One disclosure up front: Vault Flow is our own app, built by The Big Head, who publish this blog. It's listed first because it's ours, not because it outperforms the established players — it doesn't sync with your bank, and it's the newest and most narrowly targeted app here. The comparison points that follow should make it obvious when one of the others is the better fit.
The list splits roughly in two. Copilot, Monarch, Empower, Quicken, Rocket Money, NerdWallet and NetTrack connect to your accounts and update themselves. Vault Flow, WorthTracker and Worth it are manual by design, for people who won't hand over bank credentials.
At a glance
| App | Best for | Pricing |
|---|---|---|
| Vault Flow - Finance App (ours) | Privacy-minded people who want assets, debts, property and crypto in a single net worth view and are willing to enter the numbers themselves. | Free |
| Copilot: Track & Budget Money | Apple-first users who want a polished automatic net worth and investment dashboard shared across iPhone, iPad, Mac and the web. | Free tier plus subscription |
| Monarch: Budget & Track Money | Couples and households who want one shared net worth picture without paying for two separate accounts. | Subscription |
| Empower ® | People who want a genuinely free, full-featured net worth and retirement dashboard and don't mind being treated as a sales prospect. | Free |
| Quicken: Intelligent Money | People who want desktop-grade net worth and investment reporting from a long-established name, including tax-ready exports. | Subscription |
| Rocket Money - Bills & Budgets | Someone who wants net worth tracking as a side benefit of cancelling forgotten subscriptions and cutting recurring bills. | Free tier plus subscription |
| NerdWallet: Smart Money App | Anyone who wants free automatic net worth tracking plus a free credit score without adding another subscription. | Free |
| WorthTracker | The person who deliberately wants manual, once-a-month net worth logging with a clean trend graph and no bank connections at all. | Free tier plus subscription |
| Net Worth Tracker - Worth it | Spreadsheet refugees who already track net worth in Excel and want it on the home screen without handing over bank credentials. | Free tier plus subscription |
| Net Worth Tracker - NetTrack | Someone who wants automatic bank, brokerage and crypto syncing from an independent developer rather than a big-brand subscription. | Free tier plus subscription |
The apps in detail
Vault Flow - Finance App
Our app- Best for
- Privacy-minded people who want assets, debts, property and crypto in a single net worth view and are willing to enter the numbers themselves.
- Highlights
- Tracks bank accounts, savings, investment portfolios, crypto, real estate and vehicles against mortgages, loans, credit cards and student debt
- Net worth history and trend view, asset-allocation breakdown, and real-time stock price updates with charts
- Data stays on the device with optional iCloud sync — no sign-up and no login
- Multi-currency support and dark mode, with a universal build for iPhone, iPad, Apple silicon Macs and Vision Pro
- Pricing
- Free
- Watch out
- It requires iOS 26.2 or later — by a wide margin the most restrictive requirement in this roundup, when every other app here still supports iOS 15 to 17. It is also manual-entry only, with no bank, brokerage or crypto-exchange syncing anywhere in the product, the interface is English-only, and it launched in mid-2026 so there is no long track record behind it.
Copilot: Track & Budget Money
- Best for
- Apple-first users who want a polished automatic net worth and investment dashboard shared across iPhone, iPad, Mac and the web.
- Highlights
- Spending, budgets, investments and net worth consolidated in one place
- Investment tracking with performance figures, intra-day updates and index benchmarking
- Direct integrations named for Venmo, Apple Card and Coinbase
- Automatic transaction categorization that learns your corrections
- Pricing
- Free tier plus subscription
- Watch out
- Copilot states plainly that it works with US financial institutions only, so readers banking outside the US get nothing out of the account-linking that is the entire point of the app. It is also effectively unusable long-term without a paid plan.
Monarch: Budget & Track Money
- Best for
- Couples and households who want one shared net worth picture without paying for two separate accounts.
- Highlights
- All accounts in one view with net worth tracked over time
- Customisable dashboard covering net worth, transactions, budget progress, investment performance and upcoming expenses
- Household members can be added at no extra cost
- Invite an advisor, financial coach, tax professional or estate planner into the account
- Pricing
- Subscription
- Watch out
- The free download is a seven-day trial, not a permanent free mode, so there is no way to keep using it without subscribing. Its top tier is also the most expensive plan of any app in this roundup.
Empower ®
- Best for
- People who want a genuinely free, full-featured net worth and retirement dashboard and don't mind being treated as a sales prospect.
- Highlights
- Consolidated dashboard covering every linked account
- Retirement planning with scenario comparison and recession simulation
- Allocation-imbalance checks across your portfolio
- Budgeting, debt and emergency-fund tools with biometric and multi-factor login
- Pricing
- Free
- Watch out
- The app is free because it is a lead generator for a wealth-management business — the listing itself discloses that advisory services are provided for a fee by Empower Advisory Group, LLC, with fees calculated on assets under management. Expect adviser outreach after you link accounts.
Quicken: Intelligent Money
- Best for
- People who want desktop-grade net worth and investment reporting from a long-established name, including tax-ready exports.
- Highlights
- Connects bank accounts, credit cards, investments, retirement accounts and property values via Zillow
- Net worth monitored over time with full-portfolio investment performance in one view
- Projected cash flow plus bill and spending-limit alerts
- Tax-ready reports you can share with an accountant
- Pricing
- Subscription
- Watch out
- The product identity is split and confusing: the App Store listing is titled "Quicken: Intelligent Money" while the subscriptions you actually buy are still branded Simplifi, alongside a separate Business & Personal tier. Working out which plan you need before paying is harder than it should be.
Rocket Money - Bills & Budgets
- Best for
- Someone who wants net worth tracking as a side benefit of cancelling forgotten subscriptions and cutting recurring bills.
- Highlights
- Finds and cancels forgotten subscriptions
- Negotiates lower bills on your behalf
- Tracks and grows your net worth alongside credit score monitoring
- Category budgets with automated savings
- Pricing
- Free tier plus subscription
- Watch out
- Net worth is a secondary feature here, not the product. Rocket Money is built around subscription cancellation and bill lowering, so the net worth view is thinner than what a dedicated tracker gives you — and the paid tier is priced as though bill-cutting is what you came for.
NerdWallet: Smart Money App
- Best for
- Anyone who wants free automatic net worth tracking plus a free credit score without adding another subscription.
- Highlights
- Tracks cash, investments, credit cards, loans and property in one net worth view
- Free credit score with improvement tips
- Recurring bill and subscription monitoring with one-click cancellation
- Pricing
- Free
- Watch out
- It is a financial-products marketplace first and a tracker second. The listing carries its own conflict-of-interest disclosure covering compensation on referred assets under management, and there is a dedicated shopping surface pushing financial products — treat any recommendation as advertising rather than advice.
WorthTracker
- Best for
- The person who deliberately wants manual, once-a-month net worth logging with a clean trend graph and no bank connections at all.
- Highlights
- Net worth trend graph with assets and liabilities segmented
- Asset-allocation graphs and smart insights
- Historical data tracking with cloud backup
- Currency conversion into a preferred default currency, plus progress toward financial-independence goals
- Pricing
- Free tier plus subscription
- Watch out
- Manual entry by design means there is no syncing of any kind, so your net worth is only ever as current as the last time you sat down and updated it. If you hold a lot of volatile positions, the number on screen will regularly be stale.
Net Worth Tracker - Worth it
- Best for
- Spreadsheet refugees who already track net worth in Excel and want it on the home screen without handing over bank credentials.
- Highlights
- Imports existing spreadsheets from Excel, CSV or TXT
- Tracks real estate, bank accounts, investment brokers, crypto wallets and exchanges, private equity and collectibles
- Syncs across devices with no login and no ads, plus data export
- Home and lock screen widgets, and works in any currency
- Pricing
- Free tier plus subscription
- Watch out
- The app states outright that it does no budgeting and no bank syncing, so it is a single-purpose tool you must feed by hand. The paid structure is also needlessly complicated — two subscription tiers plus two higher membership tiers for what is fundamentally a simple app — and its user base is very small.
Net Worth Tracker - NetTrack
- Best for
- Someone who wants automatic bank, brokerage and crypto syncing from an independent developer rather than a big-brand subscription.
- Highlights
- Consolidates bank, card, brokerage, crypto and manual accounts with automatic syncing and multiple daily snapshots
- Envelope-style budgeting plus cash-flow analysis with savings rate
- Investment tracking with cost basis, gain/loss and rate of return, and portfolio breakdown by sector, industry and country
- A 0-100 Financial Health Score with AI insights, household sharing, widgets and projections
- Pricing
- Free tier plus subscription
- Watch out
- It is a young app from a small independent developer, released in early 2025, which is a thin track record for something holding read access to your bank and brokerage accounts. The bigger names here have years of security scrutiny behind them; NetTrack does not yet.
What's still missing
Kubera is frequently recommended in net worth roundups but was excluded here deliberately: an App Store search returns only unrelated apps, and there is no verifiable Kubera net worth app on the US iPhone store. Every remaining entry was included only after its App Store URL was fetched and confirmed to resolve to a live listing whose name matches the app claimed, so this list runs to ten rather than being padded with links we could not check.
Common questions
Do I have to connect my bank accounts to track my net worth?
No. The apps here split into two camps. Copilot, Monarch, Empower, Quicken, Rocket Money, NerdWallet and NetTrack link to your accounts and refresh themselves, which is convenient but means a third party holds read access to your financial data. Vault Flow, WorthTracker and Worth it are manual: you enter balances yourself, usually once a month. Manual takes a few minutes of upkeep and the number is only current as of your last update, but nothing leaves your control.
What's the difference between a net worth tracker and a budgeting app?
A budgeting app is about cash flow — where this month's money went and whether you stayed inside your categories. A net worth tracker is about your balance sheet — everything you own minus everything you owe, plotted over time. Several apps on this list do both, but the emphasis matters. Rocket Money and Copilot lead with spending; WorthTracker, Worth it and Vault Flow only do the balance sheet.
Are manual net worth apps actually safer than ones that link to my bank?
Generally yes, in the narrow sense that a manual app never holds credentials or a persistent connection to your accounts, so there is nothing on its servers worth stealing. Apps like Vault Flow and Worth it go further by storing data on the device and requiring no login at all. The trade-off is real, though: you accept ongoing manual work and a figure that drifts out of date between updates.
Which of these work outside the United States?
Account-linking is where this breaks down. Copilot states explicitly that it supports US financial institutions only, and Empower, Quicken, Rocket Money and NerdWallet are all built around the US market. If you bank elsewhere, the manual apps are the more practical route — Vault Flow, WorthTracker and Worth it all handle multiple currencies and don't care which country your bank is in.
Can I get a decent net worth tracker without paying anything?
Yes, but read what you're paying with. Empower and NerdWallet are free downloads with no in-app purchases, and both are genuinely capable — but Empower is a front door to a paid advisory business and NerdWallet monetises the financial products it recommends to you. Vault Flow is free with no paid tier and no advertising model, though it is manual-only and requires a very recent version of iOS. Most of the rest run on a free tier with a subscription for the useful parts.
How often should I update a manual net worth tracker?
Monthly is the sweet spot for most people. It's frequent enough to show a real trend within a year, and infrequent enough that you won't quit after six weeks. Checking daily tends to be counterproductive with a manual app, because market movement dominates the short-term picture and your entries won't be current anyway. Pick a fixed date — the first of the month works well — and update everything at once.