Net Worth Tracker: Best Free Apps & Spreadsheets (2026)

Net Worth Tracker: Best Free Apps & Spreadsheets (2026)

A reliable net worth tracker is one of the most practical tools you can use to stay in control of your finances. As we move through 2026, the marketplace has shifted: some beloved budgeting apps have closed, new entrants have emerged, and open-source tools have grown more polished. Whether you prefer an automatic account aggregator or a manual spreadsheet you can fully customize, you can still build a robust, free system to monitor your wealth. This guide breaks down the best free net worth tracking apps and the most useful spreadsheet templates, with advice on security, accuracy, and automation—so your personal wealth dashboard remains clear and actionable.

Why a Net-Worth-Tracking System Still Matters in 2026

Your net worth—everything you own minus everything you owe—gives a high-level snapshot of your financial health. A good net worth calculator and tracker turns that snapshot into a time-lapse movie, so you can spot trends, measure progress, and make course corrections. It helps you:

• Quantify progress toward long-term goals like financial independence, a home purchase, or retirement.
• Identify leverage and risk by seeing debts alongside assets.
• Keep tabs on asset allocation and cash buffers during market volatility.
• Motivate consistent habits—seeing your wealth build steadily is a powerful reinforcement.
• Make faster decisions—e.g., where to park spare cash, when to refinance, or whether to rebalance.

In 2026, there’s no need to pay to get a capable net-worth-tracking tool. With the right pick—and a few privacy best practices—you can enjoy a streamlined, accurate picture of your finances at no cost.

How a Net Worth Tracking System Works

A modern wealth tracker typically consolidates account balances and valuations across banks, brokerages, retirement plans, loans, property, and digital assets. Whether you use an automatic aggregator or a DIY spreadsheet, the structure is the same: list assets, list liabilities, and compute totals and trends.

Assets to Include

• Cash and equivalents: checking, savings, money market funds, HSA cash, prepaid balances.
• Investments: brokerage accounts (ETFs, mutual funds, stocks), retirement plans (401(k), IRA, Roth, 403(b)), and HSAs invested in funds.
• Real estate: primary residence, rental properties, land. Use conservative estimates for valuation.
• Business interests: equity stakes, startup shares, partnership units.
• Digital assets: crypto held on exchanges or in self-custody wallets; tokenized assets.
• Other valuables (optional): vehicles, precious metals, art/collectibles—only if you can value them consistently.

Liabilities to Include

• Mortgage balances
• Student loans
• Auto loans and personal loans
• Credit card balances and any Buy-Now-Pay-Later plans
• Margin loans or other investment-related debt
• Tax liabilities due within the period

Valuation Frequency and Method

• Cash and market investments: daily or weekly automated updates are fine; monthly snapshots suffice for long-term tracking.
• Real estate: quarterly or semiannual updates, using conservative comps or averaged AVMs (automated valuation models) from multiple sources.
• Private business: annual estimates or when there’s a financing event; consider a discount for illiquidity.
• Crypto: daily price pulls if automated; otherwise, month-end pricing at a consistent reference time.

The key is consistency: use the same method and date range each period to preserve comparability.

What to Look for in a Free Net Worth App

Before picking a free net worth monitoring app, evaluate features with an eye toward longevity and privacy:

• Security and privacy: encryption at rest/in transit, clear data-sharing policies, and the option to manually add assets without linking if desired.
• Aggregators: many apps rely on providers like Plaid, Finicity, or Yodlee. Check your bank coverage and reliability for your region.
• Data portability: can you export to CSV/Excel? Will it retain historical snapshots if you leave?
• Account coverage: banks, brokerages, loans, crypto, and custom/manual assets.
• Multi-currency and international support if you hold non-USD assets or bank abroad.
• Real estate and custom assets: flexibility to enter estimated values and attach notes.
• Shared access/household: useful for couples or family tracking.
• Ads and upsells: free is great, but avoid tools that interrupt workflows with aggressive pitches.

Best Free Net Worth Tracking Apps in 2026

Below are reputable, widely used options with solid free net worth tracking features. Availability and coverage can vary by country. Always confirm terms and privacy policies before linking accounts.

Empower Personal Dashboard (formerly Personal Capital)

Why it’s great: A long-standing, fully featured free wealth tracker that consolidates banking, investment, retirement, and loan accounts into one dashboard. It provides net worth history charts, cash flow insights, fee analyses for investments, and retirement planning tools.

• Strengths: rich investment analytics, strong linking coverage in the U.S., detailed holdings breakdowns, and historical net worth graphing without a subscription.
• Considerations: emphasis on investment advisory services; you may receive outreach. Some international institutions may not link seamlessly.
• Best for: U.S.-based users who want a robust, free personal net worth tracker with serious investment tools.

NerdWallet

Why it’s great: A widely recognized personal finance app with free account linking and a straightforward net worth overview. It pairs net worth monitoring with a credit score dashboard and spending insights.

• Strengths: clean UI, simple asset/liability view, free credit monitoring, and broad bank coverage through established aggregators.
• Considerations: fewer advanced investment analytics than dedicated wealth platforms; occasional product recommendations appear in-app.
• Best for: users who want a clean, free net worth app with minimal setup and no advanced portfolio planning requirements.

Rocket Money (formerly Truebill)

Why it’s great: Offers a modern interface with net worth tracking, bill monitoring, and subscription management. A free tier is available, with optional paid features.

• Strengths: simple aggregation, recurring expense detection, and a consolidated wealth snapshot.
• Considerations: fuller functionality may require premium; ensure the free tier meets your needs before committing time.
• Best for: users focused on subscription/bill control who also want a free net worth overview.

Fidelity Full View (powered by eMoney)

Why it’s great: If you have a Fidelity relationship, the Full View tool provides comprehensive aggregation and net worth charting at no additional cost.

• Strengths: robust data integrations, household-level views, and strong investment support.
• Considerations: best experienced by existing Fidelity clients; external account linking may vary by institution.
• Best for: Fidelity investors who want an integrated, no-cost