Tracking your net worth is the single most important financial habit you can build. It gives you a clear picture of where you stand, whether you are making progress, and how close you are to financial independence. But the tool you use matters more than you might think.
After Mint shut down in 2024, the net worth tracking landscape shifted dramatically. Some users migrated to Credit Karma, others to Empower, and many started looking for alternatives that better fit their needs. We evaluated the seven best options available in 2026, from free apps to premium platforms to old-school spreadsheets.
How We Evaluated
We assessed each tool across six criteria that matter most to high-net-worth individuals and FIRE seekers:
- Data accuracy: How reliably does the tool sync account balances and transactions?
- Multi-currency support: Can it handle assets in different currencies with real-time exchange rates?
- FIRE features: Does it include tools for financial independence planning, or just basic tracking?
- Privacy: How is your financial data used? Is it shared with third parties?
- Cost: What is the total cost, including hidden costs like advisory upsells?
- Ease of use: How quickly can you set up and get a clear picture of your finances?
The 7 Best Net Worth Trackers
Optionality — Best for FIRE Seekers and Expats
Optionality is built specifically for people pursuing financial independence. It combines multi-currency net worth tracking with 19+ financial calculators, an AI financial assistant, and tax optimization tools that the FIRE community actually uses.
Strengths:
- Multi-currency net worth tracking with real-time exchange rates
- 19+ FIRE calculators: FIRE, Coast FIRE, FatFIRE, withdrawal rate, savings rate, and more
- AI financial assistant for personalized analysis
- Tax optimization tools (tax-loss harvesting, Roth conversion, mega backdoor Roth)
- Privacy-first: no advisory upsells, no sales calls, no data selling
Limitations: Newer platform, smaller community than Empower. Still building some features that established platforms have had for years.
Pricing: Free tier available. Premium plans for advanced features.
Best for: FIRE seekers, expats, multi-currency households, privacy-conscious DIY investors.
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Try Optionality freeEmpower (Personal Capital) — Best for Traditional Retirement Planning
Empower has been the default free net worth tracker since 2009. Its investment analysis tools remain some of the best available, and the account aggregation engine is battle-tested across millions of users.
Strengths:
- Excellent Investment Checkup tool that analyzes your asset allocation
- Fee Analyzer that reveals hidden investment costs
- Mature account aggregation with broad institution support
- Retirement planner with Monte Carlo simulation
Limitations: Aggressive advisory sales calls for users with $100K+ in linked accounts. No multi-currency support. No FIRE-specific calculators. UI has stagnated since the Empower acquisition in 2022. Your financial data feeds their advisory business.
Pricing: Free tracking tools. Advisory services start at 0.49% AUM (minimum $100K).
Best for: Traditional retirement planners who want free investment analysis and do not mind advisory outreach. For a detailed comparison, see our Personal Capital vs Optionality breakdown.
Kubera — Best for Ultra-High-Net-Worth Portfolios
Kubera is designed for people with complex financial lives that include alternative assets. It tracks everything from traditional brokerage accounts to crypto wallets, DeFi positions, real estate, art, vehicles, and domain names.
Strengths:
- Tracks alternative assets (crypto, DeFi, NFTs, real estate, collectibles) alongside traditional accounts
- Beautiful, modern design with a clean dashboard
- Multi-currency support
- Beneficiary access and estate planning features (dead man's switch)
Limitations: Expensive at approximately $150/year. No FIRE-specific calculators or planning tools. Limited investment analysis compared to Empower. More of an asset aggregator than a financial planning platform.
Pricing: ~$150/year. No free tier.
Best for: Ultra-high-net-worth individuals with significant alternative asset holdings who want everything in one dashboard.
Copilot Money — Best iOS App Experience
Copilot is a beautifully designed iOS app that combines budgeting with investment tracking. It is the spiritual successor to Mint for Apple users who want a premium, polished experience.
Strengths:
- Best-in-class mobile design and user experience
- Strong budgeting and spending categorization
- Real-time account sync with clean visualizations
- Subscription tracking and recurring transaction detection
Limitations: iOS only (no Android, limited web experience). Investment tracking is secondary to budgeting. No FIRE calculators. Limited net worth analysis compared to dedicated tools. No multi-currency support.
Pricing: ~$100/year after free trial.
Best for: iOS users who want beautiful budgeting with basic net worth tracking as a bonus.
YNAB (You Need A Budget) — Best for Building Savings Discipline
YNAB is a budgeting tool, not a net worth tracker. But it does include net worth reports, and for people who are early in their FIRE journey and need to build savings habits first, it is arguably the most impactful financial tool available.
Strengths:
- Zero-based budgeting methodology that forces intentional spending
- Proven track record: average new user saves $600 in the first two months and $6,000 in the first year
- Net worth reports that track progress over time
- Active community with extensive educational content
Limitations: Net worth tracking is a secondary feature, not the core product. No investment analysis. No FIRE calculators. No account aggregation for investment accounts (manual entry required for investment balances). Does not show individual security holdings.
Pricing: $99/year or $14.99/month.
Best for: People in the early accumulation phase who need spending discipline before they need investment tracking. Graduate to a dedicated net worth tracker once your savings rate is optimized.
Credit Karma — Best Free Basic Option (Mint Replacement)
When Mint shut down in 2024, Credit Karma absorbed some of its features. If you were a Mint user looking for a free replacement, Credit Karma is the closest thing available, though the net worth tracking is significantly more basic.
Strengths:
- Completely free
- Free credit score monitoring and credit report access
- Basic account aggregation and net worth dashboard
- Tax filing integration (Credit Karma Tax / Cash App Taxes)
Limitations: Net worth tracking is basic compared to every other option on this list. Heavy advertising and product recommendations throughout the app. Limited investment analysis. No FIRE tools. No multi-currency. The primary business model is recommending financial products (credit cards, loans, insurance) based on your data.
Pricing: Free (ad-supported).
Best for: People who want free credit monitoring with basic net worth tracking and do not mind advertisements. Not suitable for serious financial planning.
Google Sheets / Excel — Best for Complete Control
The spreadsheet is where most FIRE community members start. It is infinitely customizable, completely free, and gives you total control over how you track and visualize your finances. Many people in the r/financialindependence community have shared sophisticated templates that rival dedicated apps.
Strengths:
- Completely free (Google Sheets) or included with Office (Excel)
- Infinitely customizable: track anything, any way you want
- No data sharing with any third party
- Community templates available (Mad Fientist FI tracker, various Reddit templates)
- Google Finance functions can pull real-time stock prices
Limitations: Manual data entry for account balances (no automatic syncing). Breaks easily when you change formatting or formulas. No mobile experience unless you open a spreadsheet on your phone. Time-consuming to maintain. Difficult to track multiple currencies accurately. No built-in analysis or calculators.
Pricing: Free.
Best for: DIY enthusiasts who enjoy building their own systems and want zero dependency on any platform. Also useful as a backup alongside an automated tool.
What to Look for in a Net Worth Tracker
The best net worth tracker for you depends on your specific situation. Here are the factors that matter most:
- If you have assets in multiple currencies: You need multi-currency support with real-time exchange rates. Without it, your net worth number is wrong. Optionality and Kubera handle this well. Empower, Copilot, YNAB, and Credit Karma do not.
- If you are pursuing FIRE: Generic retirement planners assume you will retire at 65. You need FIRE-specific calculators that model early retirement scenarios, Coast FIRE glide paths, and safe withdrawal rates for 40+ year retirements. Optionality is purpose-built for this.
- If privacy matters to you: Understand the business model. If the tool is free, your data is the product. Empower uses your data to sell advisory services. Credit Karma uses it to recommend financial products. Paid tools generally have better privacy alignment because the revenue comes from you, not from monetizing your data.
- If you hold alternative assets: Most tools only track traditional bank and brokerage accounts. If you have crypto, real estate, private equity, or collectibles, you need a tool that supports manual asset entry or has direct integrations for those asset types. Kubera excels here.
Our recommendation: Start with a tool that automates account syncing. Manual tracking is a motivation killer — most people abandon their spreadsheet within three months. Automatic syncing means you always have an up-to-date picture without any effort.
The Bottom Line
The net worth tracking landscape has fragmented since Mint's shutdown. There is no single tool that is best for everyone. But for the audience that reads this blog — high earners, FIRE seekers, expats, and self-directed investors — the choice narrows quickly.
If you want FIRE-specific tools and multi-currency support without advisory upsells, Optionality is built for you. If you want best-in-class investment analysis and do not mind the advisory calls, Empower is solid. If you have significant alternative assets, Kubera fills a niche that nobody else does well.
Whatever you choose, the important thing is to start tracking. Knowing your net worth is the foundation of every financial plan. Use our Net Worth Calculator to get a snapshot right now, then sign up for a tracker to keep it updated automatically.
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