Net worth tracker apps: tracking investments, property and debts in one place

Net worth is a different job from a budget

A budget answers whether this month's spending matches the plan. A net worth tracker answers whether you are getting wealthier over years. Lunch Money's help center defines it plainly: net worth equals total assets minus total liabilities. Paying down a loan, a rising 401k and a falling car value all move it, even if your spending never changes.

That means a net worth tool needs things a budget does not: investment holdings and prices, manual assets with estimated values, liabilities such as a mortgage, multiple currencies converted consistently, and a history that survives account changes.

This comparison is research from official vendor pages read on 29 October 2026. We have not tested sync quality, valuation accuracy or exports.

Worked example: one household's balance sheet

An invented household lists every account once, at current value. Notice how much of the total depends on two estimates, the home and the car, which no app can make precise.

How the three apps compare

From official pages and help articles read on 29 October 2026. Blank means we did not find it stated, not that the feature is missing.

Monarch: strongest for US households with property

Monarch pulls investment holdings from connected accounts and matches them to a securities database priced by Financial Modeling Prep; the help center warns that unsupported tickers may show inaccurate pricing and performance. Its tracking page lists stocks, mutual funds, 401ks, ETFs and crypto, and a chart of net worth over time.

The help center says Zillow Zestimates update real estate automatically, refreshing every Monday, and VinAudit values vehicles, both US-only. If you are in Canada, or your assets sit in other currencies, those advantages fall away; the FAQ says Monarch is available only in the US and Canada and recommends USD or CAD accounts.

Lunch Money: strongest for multiple currencies and crypto

Lunch Money's help center says it supports over 160 currencies and converts balances into your primary currency before totalling net worth. It tracks over 300 cryptocurrencies manually and syncs Coinbase, Ethereum and Kraken wallets, though only available balances sync and staked amounts are not included.

History is explicit: at the end of every month, Lunch Money records a snapshot of all current account balances as that month's balance, which you can edit. You can add historical balances for older months and export accounts and all balances to CSV. That makes it practical to backfill years of history from old statements.

PocketSmith: net worth next to a long forecast

PocketSmith's features page says you can keep track of what you own and owe, including property, mortgages, vehicles and loans, with automatic currency conversion at daily rates and bank feeds from over 12,000 institutions worldwide. Its distinctive feature is projecting daily balances years ahead, so you can see how a planned purchase or extra mortgage payment changes the path, not just today's figure.

The plans page lists a Free tier with 2 accounts and a 6-month projection, and paid tiers from $9.99 a month billed annually with 6 bank connections in one country, up to $26.66 a month billed annually with unlimited connections and a 60-year projection, in USD. Count your institutions before picking a tier.

Setup checklist for any net worth tracker

• List every asset and debt first, including the ones that cannot sync, such as a pension estimate, a car or a private loan.
• Decide how you will value the home and car, and stick to one method so the trend means something.
• Connect investment accounts and compare holdings with your latest statement before trusting performance figures.
• If you hold several currencies, pick one primary currency and confirm how conversions are shown.
• Backfill a few past month-end balances so the chart starts with a trend.
• Export the history once during the trial to confirm you can take it with you.