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 net worth tracker 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 automatic conversion at live exchange rates; track investment portfolio performance with proper return metrics; and include AI-powered investment intelligence: stock 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 picture.

Worthmap is built to fill exactly that gap — complete net worth tracking across all currencies, all asset types, and all markets, combined with AI-powered investment intelligence grounded in value investing principles.