4 net worth tracking apps to measure your financial progress net worth
4 Net Worth Tracking Apps to Measure Your Financial Progress in 2025
The financial landscape shifted dramatically in 2024 when Intuit announced the shutdown of Mint. For millions of Americans relying on free net worth tracking, the sudden discontinuation created a vacuum that several robust alternatives rushed to fill. Whether you are just beginning to track your financial standing or you are a seasoned investor looking for a more sophisticated dashboard, choosing the right app can transform how you understand and grow your wealth.
This comprehensive review analyzes four of the most capable net worth tracking apps available today—Monarch Money, Rocket Money, EveryDollar, and Empower (formerly Personal Capital)—evaluating their features, pricing models, security standards, and ideal use cases so you can make an informed decision.
Key Takeaways
- Monarch Money is the strongest all-around replacement for Mint, offering unmatched customization, collaborative budgeting, and robust net worth tracking at $14.99/month or $79.99/year.
- Empower remains the best free option for investors and high-net-worth individuals who want portfolio-level insight alongside net worth tracking with no account minimums.
- Rocket Money excels at subscription management and bill negotiation but offers less depth in investment aggregation compared to dedicated portfolio tools.
- EveryDollar is purpose-built for zero-based budgeting (the Ramsey method) but provides the least comprehensive net worth visualization of the four apps reviewed.
- All four apps use bank-level 256-bit encryption and read-only connections, meaning your money cannot be moved or spent through any of these platforms.
How We Evaluated These Net Worth Tracking Apps
Before diving into individual reviews, it is important to understand the criteria used to assess each platform. Net worth tracking is a multifaceted function, and no single app dominates every category. Our evaluation framework includes:
| Criteria | Weight | Description |
|---|---|---|
| Net Worth Tracking Accuracy | 30% | How comprehensively and reliably the app aggregates assets, liabilities, and calculates net worth over time |
| Budgeting & Cash Flow Tools | 20% | Quality of budgeting features, spending categorization, and cash flow visibility |
| Investment & Retirement Aggregation | 20% | Support for brokerage accounts, retirement accounts, crypto, and alternative assets |
| Pricing & Value | 15% | Cost relative to features offered; availability of a functional free tier |
| Security & Privacy | 10% | Encryption standards, data retention policies, and third-party data sharing practices |
| User Experience & Support | 5% | Interface design, mobile app quality, and customer support responsiveness |
1. Monarch Money — Best Overall Net Worth Tracker
Overview
Launched in 2021 by former Mint engineers, Monarch Money was explicitly designed as the Mint replacement that the market demanded. It combines detailed budgeting with comprehensive net worth tracking in a single, highly customizable interface. The platform supports unlimited users on family plans, making it particularly attractive for couples or households managing shared finances.
Net Worth Tracking Features
Monarch aggregates accounts from over 10,000 financial institutions, including checking and savings accounts, credit cards, loans, mortgages, brokerage accounts, retirement accounts, and even cryptocurrency wallets. The net worth dashboard displays a real-time line chart showing your trajectory over any customizable time range—from 30 days to all-time history.
What sets Monarch apart is its account grouping system. You can organize your assets and liabilities into custom categories (e.g., "Primary Residence," "Investment Properties," "High-Yield Savings") and assign colors for visual clarity. The app also supports manual transactions, which is invaluable for institutions that have not yet integrated with Plaid or similar aggregators.
Budgeting & Cash Flow
Monarch uses a category-based budgeting system similar to Mint's legacy approach. You set monthly budgets per category, and the app tracks your progress in real time. The rolling 90-day spending view helps identify trends without the rigidity of a calendar-month constraint. Rule-based automations let you tag transactions, move funds between categories, and even notify you when spending exceeds a threshold.
Pricing
| Plan | Price | Users | Key Features |
|---|---|---|---|
| Individual | $14.99/month or $79.99/year | 1 | Full budgeting, net worth tracking, custom rules |
| Family | $19.99/month or $109.99/year | Up to 6 | Everything in Individual plus shared access and separate budgets |
| Free Trial | $0 | 1 | 14 days, no credit card required |
Advantages
- Unlimited accounts and connections across all paid plans
- No ads, no premium upsells, no data-selling business model
- Collaborative access for partners and financial advisors
- Highly customizable dashboards and reporting
- Active development with frequent feature updates
- Excellent customer support with live chat and email
Drawbacks
- No free tier—only a 14-day trial
- Investment analysis tools are less sophisticated than Empower's
- Crypto tracking requires manual balancing (no direct exchange sync for all platforms)
- Customer support can experience delays during peak periods
Best For
Individuals and families who want a complete Mint-like experience with superior customization and collaborative features. Ideal for anyone who values ad-free, privacy-respecting software and is willing to pay a modest subscription for a polished product.
2. Rocket Money — Best for Subscription Management & Bill Negotiation
Overview
Originally launched as Truebill, Rocket Money rebranded to emphasize its expanded capabilities beyond subscription tracking. While it includes net worth tracking, its standout differentiator is automated bill negotiation and subscription cancellation—features that directly put money back in your pocket. The app has over 6 million users and has helped negotiate over $300 million in bill savings.
Net Worth Tracking Features
Rocket Money aggregates bank accounts, credit cards, loans, investments, and real estate to compute your total net worth. The interface presents a clean monthly net worth tracker with percentage change indicators. However, the depth of historical data and the granularity of breakdowns are less sophisticated than Monarch or Empower. You get a solid high-level view but limited ability to drill into category-specific trends over extended periods.
Subscription & Bill Negotiation
This is Rocket Money's competitive moat.