Disclosure: VaultFlow is ours, and it is listed first. It gets the same four fields as every other app, including its drawbacks.
Short answer
For a net worth with no bank login and nothing leaving your phone, our pick is VaultFlow, free. For linked accounts with budgeting, Monarch or Copilot.
Empower — the app that used to be Personal Capital — offers a free dashboard of every account, and Forbes called it “Best for Tracking Net Worth”, per its listing. The dashboard is free because Empower also sells wealth management.
If you want the number without the sales funnel, or without linking your bank, here are the options.
Switch to VaultFlow if
- You don’t want to link your bank accounts
- You get calls or emails about advisory services
- You want net worth, not budgeting
Stay with Empower if
- You want every account updated automatically
- You use its retirement planner
- You are an Empower client already
At a glance
| App | Best for | Pricing |
|---|---|---|
| VaultFlow (ours) | People who want their whole net worth in one place without giving an app their bank login | Free |
| Empower | People who want every account linked in one free dashboard | Free dashboard; optional paid advisory services |
| Monarch | Households who want linked accounts and budgets together | Membership after a 7-day free trial |
| Copilot Money | Apple users who want a beautiful linked money app | Subscription after a 1-month trial |
| Rocket Money | People who want budgets and subscription cancelling | Free tier plus Premium plans |
| getquin | Investors who want portfolio plus net worth | Free tier plus paid plans |
The apps in detail
VaultFlow
Ours
- Best for
- People who want their whole net worth in one place without giving an app their bank login
- Highlights
- Assets, debts, property and investments in one net worth, with live prices for holdings
- Import the CSV, OFX or QFX statement your bank already gives you — duplicates skipped
- Or let ChatGPT, Claude or Gemini do the typing with ready-made prompts
- No bank login and no account; your data stays on your device and exports any time as a spreadsheet
- Pricing
- Free
- Watch out
- There is no automatic bank sync — to update, you import the statement file your bank lets you download (CSV, OFX or QFX) or add numbers yourself. It needs iOS 26.2 or later and runs on iPhone and iPad only.
Empower
- Best for
- People who want every account linked in one free dashboard
- Highlights
- All accounts in one place
- Net worth tracking
- Free dashboard
- Pricing
- Free dashboard; optional paid advisory services
- Watch out
- The free app leads toward Empower’s paid services.
Monarch
- Best for
- Households who want linked accounts and budgets together
- Highlights
- Net worth and budgets
- Bills and subscriptions calendar
- Partner access
- Pricing
- Membership after a 7-day free trial
- Watch out
- Not free.
Copilot Money
- Best for
- Apple users who want a beautiful linked money app
- Highlights
- Spending, investments and net worth
- Web, iPhone, Mac and iPad
- Apple Editor’s Choice
- Pricing
- Subscription after a 1-month trial
- Watch out
- Not free.
Rocket Money
- Best for
- People who want budgets and subscription cancelling
- Highlights
- Finds forgotten subscriptions
- Budgets by category
- Free budget features
- Pricing
- Free tier plus Premium plans
- Watch out
- Net worth is secondary to budgeting.
getquin
- Best for
- Investors who want portfolio plus net worth
- Highlights
- Brokers, banks and assets
- Insurance and liabilities
- AI insights
- Pricing
- Free tier plus paid plans
- Watch out
- Needs account connections for most features.
The no-link option
Every linked tracker reads your bank through a data aggregator. VaultFlow never logs in to your bank: you import the statement file your bank lets you download, or add accounts, property and debts yourself, and it shows your net worth and its history — your data stays on your device, with no account, and exports any time as a spreadsheet.
It takes a minute to import a statement instead of syncing overnight — and there is nothing to breach.
Common questions
Is Empower free?
The Empower Dashboard is free; Empower also sells paid advisory services.
Is there a net worth tracker without a bank login?
VaultFlow — it imports the statement files your bank lets you download, with no bank login.
What replaced Personal Capital?
Personal Capital became Empower.
App Store listings checked on 27 September 2026. Prices change — each entry describes how an app is paid for rather than a number that goes stale.
Published · No affiliate links
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