The Best Net Worth Tracker App in 2025: An Honest Comparison

Mint is gone. An honest look at the best net worth tracker apps in 2025 — what each does well, what they all miss, and what serious investors actually need.

In early 2024, Mint shut down. Overnight, millions of users lost the tool they had relied on for years to see their full financial picture. It was free. It connected to almost everything. And when it disappeared, the search for a genuine replacement has not stopped since.

If you have been looking for the best net worth tracker app, you have probably found the same names cycling across every review: Empower, Monarch Money, Kubera, PocketSmith. Each has real strengths. But after looking closely at all of them, there is a consistent gap — one that becomes especially obvious if you invest seriously, hold assets in multiple currencies, or want more than a tool that simply watches numbers sit still.

What a Net Worth Tracker Actually Does

Your net worth is simple in principle: everything you own minus everything you owe. That single number tells you more about your financial health than your monthly salary ever could. A good tracker brings all assets and liabilities together — bank accounts, investment portfolios, property, vehicles, cash, loans, mortgages — calculates the total, and shows how it changes over time. The trend line is what matters most. A single snapshot is interesting. A trend line is actionable.

The Main Players in 2025 — Reviewed Honestly

Empower (Formerly Personal Capital)

Empower is the most frequently recommended free net worth tracker, and for most US-based users it earns that reputation. You can connect bank accounts, investment accounts, credit cards, and loans. The investment analysis tools — fee analyzer, retirement planner, asset allocation view — are genuinely useful and cost nothing to use.

The limitation: Empower is built for the US market only. There is no multi-currency support. If you have accounts in Australia, Europe, or New Zealand, you cannot include them meaningfully. The investment tools are solid but passive — Empower shows you what you have, not what you should do with it.

Monarch Money

Monarch is arguably the best-designed net worth tracker available. The interface is clean, fast, and genuinely enjoyable to use. It connects to a wide range of accounts, supports budget tracking, and gives you a well-organised view of assets and liabilities.

The limitation: It is US-only with no multi-currency support. At $14.99 per month, you are paying for an excellent user experience and budgeting features — not investment analysis. For someone focused on growing wealth through investment, Monarch will feel limiting very quickly.

Kubera

Kubera is most often recommended for global and multi-currency investors. It supports multiple currencies, connects to international banks and brokers, tracks stocks across global exchanges, and allows manual entry for assets like real estate and cryptocurrency.

The limitation: Personal plans start at $360 per year. More importantly, Kubera is a tracker, not an intelligence tool. It will show you what you own. It will not help you decide what to do with it. There is no investment analysis, no stock screening, no AI-powered insight into whether your portfolio is positioned correctly.

PocketSmith

PocketSmith stands out for its cash flow forecasting and also supports multiple currencies, putting it ahead of Empower and Monarch for international users. The limitation: it is fundamentally a budgeting tool. Investment tracking is basic and there is no investment intelligence layer.

What All the Best Net Worth Tracker Apps Miss

After reviewing every major option, a pattern is clear: the best net worth tracker apps in 2025 all share the same limitation — they track but do not think. None of the leading options tell you whether the stocks in your portfolio are overvalued or undervalued, which market sectors are in the right phase of the economic cycle, what the current market sentiment is toward your holdings, or whether your investment allocation makes sense given where the broader market currently stands.

What a Net Worth Tracker Should Look Like in 2025

A complete wealth tracker and portfolio app for a serious investor today should: show your complete net worth in real time across all asset types — shares, cash, property, crypto, liabilities; support multiple currencies with an integrated currency dashboard and exchange rate tool; track investment portfolio performance with proper return metrics; include free investment calculators — from a dividend calculator and dollar cost averaging calculator to a WACC calculator and option pricing calculator; and offer AI-powered stock scanner intelligence: screening, sentiment analysis, sector rotation signals. That combination does not exist in any single tool currently available. That is the gap.

The Bottom Line

For US-based users with no international accounts, Empower is the strongest free option. If you want the best user experience and focus on budgeting, Monarch Money is excellent. But if you hold assets in multiple currencies, have international accounts, or take your investment decisions seriously, none of the current options give you the complete wealth tracker, portfolio app, and investment calculator platform you need.

Why Investment Intelligence Changes Everything

Tracking your net worth is the beginning, not the end. Knowing that you have $450,000 in assets tells you where you stand. Knowing whether the $200,000 in equities inside that figure is positioned correctly — whether your stocks are overvalued, undervalued, or appropriately priced — tells you what to do next. This is the critical gap in the current generation of tracker apps.

A tracker without investment intelligence is like a speedometer without a map. It tells you how fast you are going but not whether you are heading in the right direction. The stocks in your portfolio might be trading at 30× earnings while their Graham Numbers suggest intrinsic value closer to half the current price. Your tracker will not tell you that. It will simply confirm that they are still there.

The Multi-Currency Problem Is Bigger Than Most Users Realise

For users who hold assets in multiple countries and currencies — which describes a growing percentage of serious investors — the currency dimension of net worth tracking is not a minor inconvenience. It is a fundamental distortion. When the Australian dollar moves 10% against USD, an investor holding AUD assets will see their USD-denominated net worth change by 10% before any investment performance is considered at all.

The result is that single-currency trackers systematically mislead international investors. A good year for investments can look like a bad one when reported in the wrong base currency, and vice versa. Kubera handles this better than its competitors, but at $360 per year and with no investment intelligence layer, it remains only a partial solution.

Choosing the Right Tracker for Your Situation

The right answer depends on who you are. If you are US-based with no international exposure and your primary goal is to see your complete financial picture, Empower is excellent and free. If you want the best-designed experience and care about budgeting alongside net worth, Monarch Money at $14.99 per month is the standout choice.

But if any of the following describe you — you hold assets in multiple currencies, you have investment accounts outside the US, you apply fundamental analysis before making investment decisions, or you want a single tool that handles both tracking and investment intelligence — none of the current options are sufficient. The market has not yet caught up with this investor profile.

Free Investment Calculators as a Complement to Tracking

While no current tracker integrates investment intelligence fully, a suite of free investment calculators can partially bridge the gap. A Graham Number calculator lets you determine the maximum price you should pay for a given stock based on earnings per share and book value. A WACC calculator tells you the hurdle rate a company needs to clear to create value. A compound interest calculator shows you the long-term effect of even small improvements in return — a 1% annual gain difference on $100,000 compounds to over $245,000 across 30 years.

These tools do not replace integrated investment intelligence. But they fill a real analytical gap while the broader tool market catches up. Used alongside even a basic net worth tracker, they shift your approach from passive observation to active, informed decision-making. The investors who understand both their net worth and the quality of the assets inside it are in an entirely different position to those who only know the total.

What the Next Generation of Wealth Trackers Must Include

The gap in the current market is clearly defined: a tracker that handles multi-currency net worth, connects to international accounts, and integrates investment intelligence is not yet available in a single product. That gap is the product opportunity that defines the next generation of wealth management software.

The requirements are not unreasonable. Real-time FX conversion across all major and emerging market currencies. Connections to international banks, brokers, and pension accounts. A fundamental analysis layer — at minimum a Graham Number calculator, a WACC calculator, and an earnings quality screener — built directly into the portfolio view. And a trend line, not just a snapshot, that makes the direction of your wealth visible at a glance. Until that product exists in its complete form, investors who fit this profile must combine multiple tools and accept the friction that comes with it.

Worthmap is built to fill exactly that gap — a complete wealth tracker with portfolio app features, free investment calculators (dividend calculator, dollar cost averaging calculator, WACC calculator, present value calculator, and more), AI-powered stock scanner, and currency dashboard — all grounded in value investing principles.