Best Apps to Track Net Worth in 2026 — Free + Paid, India and US
By Tapabrata Biswas · Last updated May 18, 2026 · 8 min read
Researched with AI assistance, reviewed and edited by Tapabrata Biswas.
The Federal Reserve's 2022 Survey of Consumer Finances put the median US household net worth at $192,900, with the primary home accounting for an average 27% of total household assets. The NCAER All India Debt and Investment Survey 2018-19 showed Indian rural households holding roughly 75% of wealth in real estate. In both countries, the largest single component of most households' net worth is illiquid — and most consumer net-worth tracking apps don't see it.
This post covers the apps actually worth using in 2026 to track net worth across linked liquid accounts, the apps that handle real estate and crypto, and the trade-offs between free and paid tiers for India and US users.
What net worth actually measures
Net worth is one number with one formula: total assets minus total liabilities. Assets include cash, savings, investments, retirement accounts, real estate, vehicles, and anything else that has resale value. Liabilities include credit card balances, student loans, mortgages, auto loans, and any other money owed. The difference is net worth.
A complete coverage of the net worth concept sits in our finance basics pillar; this post focuses on which apps actually compute and track that number well.
Net worth tracking matters more at certain life stages than others. A student typically has a slightly negative net worth (student loans outweigh cash); the number isn't actionable. A 35-year-old with a mortgage, retirement accounts, and a brokerage starts to need a real view because the components move in different directions month to month. A 55-year-old approaching retirement needs the full picture across every account type — which is when the limitations of consumer apps become most visible.
The shortlist for 2026
| App | Pricing | Best for | Markets |
|---|---|---|---|
| Empower (formerly Personal Capital) | Free | US users with bank + brokerage + retirement accounts | US |
| Monarch Money | $14.99/mo or $99/yr | Households + manual real estate via Zillow | US, Canada |
| Kubera | $199/yr | Real estate + crypto + manual assets, global | Global |
| Copilot Money | $13/mo or $95/yr | iOS-only with best-in-class UI | US |
| Quicken Simplifi | $5.99/mo or $47.88/yr | Light net-worth view alongside budgeting | US, Canada |
| INDmoney | Free | India + international (US stocks) all in one view | India |
| ET Money | Free | India mutual funds + expenses + EPF | India |
| Kuvera | Free | India mutual fund portfolio + goal tracking | India |
| Sharesight | Free / $19+/mo | Investment-only net worth across global brokers | Global |
| Personal Capital → Empower | Free | (Same as Empower; legacy name still searched) | US |
Pricing reflects published rates as of May 2026.
Best free net worth tracking apps
Empower has the deepest free tier in the US market for net-worth tracking. It links bank accounts, credit cards, brokerage accounts, 401(k) and IRA accounts, mortgage accounts, and student loans via Plaid; produces a unified net-worth view that updates daily; and includes investment-fee analysis that flags expensive funds in linked retirement accounts. The trade-off is that Empower's business model is wealth-management advisory — users above roughly $100,000 in linked assets get sales calls from Empower advisors. The app stays free and the calls are easy to decline.
Empower's main net-worth blind spot is illiquid assets. Real estate can be entered manually as a single line item but doesn't auto-update; vehicles need manual entry; private business equity is invisible. For users with mainly liquid wealth (bank + brokerage + retirement), Empower's free tier handles the entire picture. For users with significant real estate exposure, Empower undercounts by exactly the home equity portion.
INDmoney is the strongest free option for Indian users. It tracks Indian mutual funds, direct stocks, fixed deposits, gold (digital and physical), EPF, NPS, and US stocks (via Vested or its own integration). The app produces a unified net-worth view across all of these — increasingly relevant as Indian retail investors hold US stocks alongside domestic assets. Real estate gets manual entry. INDmoney's revenue comes from US-stock brokerage fees and product distribution; the tracking side is free.
ET Money covers Indian mutual funds, NPS, fixed deposits, insurance, and expense tracking in one app. The net-worth view is less prominent than INDmoney's but adequate for users mainly tracking mutual fund portfolios. ET Money's revenue comes from mutual fund distribution.
Best paid net worth tracking apps
Kubera is the paid app most often recommended for users with complex or illiquid asset mixes. At $199/year, it's the most expensive option on this list, but it handles asset types other apps miss: real estate with Zillow zestimate auto-updates (US), crypto via Coinbase/Binance exchange links, alternative assets (art, collectibles, private equity) via manual entry, and bank accounts across roughly 27,000 institutions in over 50 countries. Kubera works for users in markets where Empower and Monarch don't have bank-sync coverage — including India for liquid asset tracking — and is the only consumer app built specifically around the net-worth use case rather than treating it as a feature of a budgeting app.
Monarch Money at $14.99/month includes net-worth tracking alongside its expense-tracking and budgeting features. Real estate can be added via Zillow address lookup for US properties or as a manual line item. The household sharing feature — both partners on one account — makes Monarch the best paid option for couples managing combined finances.
Copilot Money is iOS-only and has the most polished user interface in the category. Its net-worth tracking is competent rather than category-leading, but for users already paying for Copilot for budgeting, the included net-worth view is sufficient. The $95/year price is competitive with Monarch for users in the Apple ecosystem.
How net worth apps handle illiquid assets
Real estate, vehicles, private equity, and similar assets are where consumer apps diverge most. The four common approaches:
| Approach | Apps that use it | Accuracy |
|---|---|---|
| Zillow zestimate auto-update | Kubera, Monarch (US only) | Approximate but auto-refreshed monthly |
| Manual entry with reminder | Empower, Copilot, INDmoney | Accurate at entry, stale after |
| Manual entry, no reminder | ET Money, Kuvera | Often outdated; user-disciplined apps only |
| Not supported | Sharesight (investments only), most budgeting apps | Asset class invisible |
For Indian users, no app currently auto-values Indian real estate because there's no India-equivalent of Zillow's automated valuation model with national coverage. Indian users update home and property values manually — typically once or twice a year using either the local circle rate or a comparable-property estimate from MagicBricks, 99acres, or a local broker.
Crypto coverage has expanded across the category. Empower, Monarch, Copilot, Kubera, and INDmoney all support either direct exchange linking (Coinbase, Binance) or manual wallet entry. Crypto values update in real time when exchange-linked, which can make daily net-worth swings dramatic if crypto holdings are significant — a design feature, not a bug.
What net worth apps don't do well
Three limitations apply across the category.
The home value blind spot. The single largest asset for most middle-class US and Indian households — the primary residence — is either missing, manually estimated, or auto-estimated using approximation models that can drift 10–20% from market reality. Users with significant home equity (typical for anyone past their mid-30s) need to either accept that the app's net worth understates by the home equity portion or update the value manually every quarter.
Cash transactions and private accounts. Apps that rely on bank-account linking miss any account they can't connect to: a parent's account being shared, a brokerage at a smaller institution not on the Plaid list, a foreign account from before migration. These show up either as zero or as user-entered estimates.
Currency and cross-border drift. Indian users with US-stock holdings see daily net-worth fluctuations driven by USD/INR exchange rates as much as by underlying stock movement. Apps display the unified ₹ value but rarely break out how much of the daily change came from currency versus investment performance.
For deeper coverage of the underlying concept, see our what is net worth explainer.
How to pick a net worth tracking app
A short decision framework:
| If you... | Pick |
|---|---|
| Live in the US, want a free option, mostly liquid assets | Empower |
| Live in India, want one app for Indian and US assets | INDmoney |
| Have significant real estate exposure (US) | Kubera or Monarch with Zillow |
| Have significant real estate exposure (India) | INDmoney with manual home entry, updated quarterly |
| Want net worth bundled with budgeting and expenses | Monarch (paid) or Empower (free) |
| Track investments across multiple brokers globally | Sharesight |
| Use Apple-only devices and value design | Copilot Money |
| Want the most complete picture, willing to pay | Kubera ($199/yr) |
Stacking apps is often the right answer. A common stack for Indian users with international assets: INDmoney for the full asset view, ET Money or Kuvera for detailed mutual fund tracking, manual updates for real estate quarterly. A common stack for US users: Empower for free liquid tracking, manual update for home equity twice a year, separate Sharesight or broker app for detailed investment performance.
What experts say
The Federal Reserve's Survey of Consumer Finances is the canonical US data source for household net-worth composition and the role of real estate in middle-class wealth. Released triennially; the 2022 release is the most recent.
For India, the NCAER All India Debt and Investment Survey and the RBI Household Finance Committee Report (2017) cover the composition of Indian household balance sheets, including the dominant role of real estate and gold compared to financial assets.
For broader app context, see our best expense tracking apps and best budgeting apps for beginners roundups.
Frequently asked questions
What is the best free net worth tracking app? For US users, Empower (formerly Personal Capital) is the strongest free option — it tracks bank, credit, brokerage, and retirement accounts via Plaid and produces a complete net-worth view automatically. For Indian users, INDmoney is the most comprehensive free option, supporting Indian and international assets including US stocks. ET Money tracks net worth alongside expense tracking. Both Empower's and INDmoney's revenue models are advisory or product distribution — the apps stay free for tracking. The trade-off is that no free app handles illiquid assets (real estate, vehicles, private equity) well — those require manual updates or a paid app like Kubera.
How is net worth actually calculated by these apps? Net worth = total assets minus total liabilities. Apps automate this by summing linked-account balances (bank, brokerage, retirement, credit card debt, loans) and subtracting outstanding debt. The number updates daily as account balances change. The blind spot in every consumer app is illiquid assets — homes are usually missing or estimated via Zillow zestimates (Kubera does this); vehicles, jewellery, and private business equity require manual entry. A user with significant illiquid wealth needs to either manually update those values monthly or accept that the app's number understates their actual position.
Do net worth apps handle real estate and crypto? Coverage varies. Real estate: Kubera and Monarch use Zillow zestimates for US properties; Empower allows manual home value entry. No app currently handles Indian real estate valuations automatically — Indian users update home values manually. Crypto: Empower, Monarch, Copilot, Kubera, and INDmoney all support manual or exchange-linked crypto holdings via Coinbase, Binance, and similar exchanges. Apps that include real estate, crypto, and traditional investments in one view (Kubera, Monarch with manual entry) give the most complete picture but require more upfront setup.
Which net worth tracking apps work in India? INDmoney is the most comprehensive Indian option — it tracks Indian mutual funds, stocks, fixed deposits, gold, US stocks (via Vested or its own integration), real estate (manual), and EPF contributions. ET Money handles mutual funds, NPS, fixed deposits, and expense tracking. Kuvera focuses on mutual fund portfolios with goal-based tracking. For Indian users with US assets — increasingly common via H-1B holders and global investors — INDmoney handles cross-border tracking better than any US app. Empower and Monarch don't support Indian bank syncing because Plaid coverage in India is limited.
In summary
The best net worth tracking app for 2026 depends on country, asset mix, and budget. US users with mainly liquid assets get the most from free Empower. Indian users with mixed Indian and US assets get the most from free INDmoney. Users with significant real estate or crypto exposure benefit from a paid app — Kubera at $199/year for the most complete coverage including manual asset types, or Monarch at $14.99/month if the tracking sits alongside an existing budgeting workflow. The structural blind spot in every consumer app is the primary residence — the largest single asset for most middle-class households — which is either missing, manually entered, or approximated via Zillow zestimates.
The net-worth number matters most at three points: when starting (to set a baseline), when planning a major life change (home purchase, kids, retirement), and annually as a personal scorecard. Tracking daily fluctuations is unnecessary; tracking the trend over years is the actual point. Apps that produce a clean line graph from year-end to year-end are doing the most useful work in this category.
The next read in this series is on best investment tracking apps — for users wanting deeper investment performance analysis beyond aggregate net worth. For the underlying concept of net worth, see what is net worth.
Sources
- Federal Reserve, Survey of Consumer Finances 2022 — federalreserve.gov/econres/scfindex.htm
- Reserve Bank of India, Report of the Household Finance Committee (2017) — rbi.org.in/Scripts/PublicationReportDetails.aspx?UrlPage=&ID=877
- National Council of Applied Economic Research, All India Debt and Investment Survey 2018-19 — ncaer.org
- Empower, Personal Wealth platform overview — empower.com/personal-wealth
- Kubera, About Kubera — kubera.com/about
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