Best Net Worth Calculators: Net Worth Tracking Made Easy

Do you track your net worth and watch how it changes over time? Whether it’s for fun, to keep you sane, to compare your financial progress to others, or to help make early retirement plans, there are tools that can make your job easier.

Many different apps offer features that not only calculate and track your net worth but also help you budget and manage your investment accounts.

The premium ones cost money, but there are free apps you can use, too. To help you choose the right net worth calculator, I’ve compiled a list of the best ones available today.

However, before we get to the list, what is a net worth calculator anyways?

Table of Contents
  1. What are Net Worth Calculators?
  2. Best Net Worth Calculators
    1. Empower Personal Dashboard
    2. Kubera
    3. NewRetirement
    4. Tiller
    5. YNAB
    6. Quicken
    7. Topia
    8. Manual Budget Spreadsheets
  3. How Do Net Worth Calculators Work?
  4. Why Are Net Worth Calculators Important?
  5. How Do You Calculate Net Worth?
  6. Final Thoughts

What are Net Worth Calculators?

A net worth calculator compares your total assets to your liabilities. The final number is your net worth. It’s a positive number if you own more than you owe.

Depending on your preferences, it can be one of these numbers:

  • Liquid net worth: The current value of your paper and tangible assets such as stocks, precious metals, cash reserves, and investment properties. 
  • Total net worth: The entire value of your possessions, including your primary residence, which you probably won’t include in your liquid net worth.

In addition to knowing your worth, most platforms also offer additional financial tools. 

Some of the possibilities include:

You can decide which calculators provide the most additional value as you compare platforms.

Best Net Worth Calculators

You can easily track your net worth with the following apps. Some are free, while others require a paid subscription.

Empower Personal Dashboard

Best For: Tracking investments and retirement planning

Cost: Free

You can track your net worth, investment portfolio performance, and expenses for free through Empower Personal Dashboard (formerly Personal Capital). The platform syncs with most financial accounts, plus you can add manual accounts for a comprehensive review.

The net worth tool is straightforward as it compares the value of your assets and liabilities and updates daily. It separates your portfolio into cash, investment, and manual accounts like your house and vehicles. The platform also breaks down your debt values too.

Some of the other membership perks include:

  • Budgeting: View transactions by expense category and see your monthly cash flow (income vs. expenses). You can also receive bill reminders.
  • Investing: Portfolio performance tracker, asset allocation analyzer, fee analyzer 
  • Planning: Retirement calculator, savings goals

If you have privacy concerns, Empower Personal Dashboard is secure and only has read-only access to your linked accounts.  

As this is a free service, you won’t receive hands-on help, but the tools provide an excellent baseline to start developing your plans. 

Additionally, you can invest at least $100,000 through the optional wealth management service. This managed portfolio platform provides access to financial advisors and retirement planning help. Read our Empower Personal Dashboard review for more information.

👉 Check out Empower Personal Dashboard


Best For: Tracking investments and international accounts and personal document storage

Price: $150/year (after 14-day trial for $1)

Kubera provides in-depth tracking for these asset types:

  • Stocks, ETFs, and mutual funds (domestic and foreign exchanges)
  • Cryptocurrency
  • Precious metals
  • Homes
  • Vehicles
  • Web domains

Kubera is an excellent option for multi-currency users as it can display the values in almost any global currency. 

Its investment tracking tools also compare your portfolio performance to various market indices and stocks.

While Kubera doesn’t offer retirement planning or budgeting tools, it can make estate planning more manageable. First, you can upload vital documents such as a will, insurance policies, and a treasure map.

You can also share access to your account with family and financial planners at no extra cost. Learn more in our full Kubera review.

👉 Check out Kubera


Best For: Retirement planning

Price: Free, $120/year (after 14-day free trial), $270/year, or $1,500+

Consider NewRetirement if you desire a retirement planner on steroids. You can start for free with the basic planner to project your retirement date and retirement income. The free version is sufficient for a quick glance, but most users will want to upgrade to PlannerPlus, which costs $120 annually.

Some of the best PlannerPlus features include:

  • Full customization (i.e., budgeting, inflation, salary increases, investment performance) 
  • Input pessimistic and optimistic scenarios
  • Monte Carlo retirement simulator
  • Personalized suggestions
  • Budgeting (for your working years and in retirement)

The budgeting tools are robust for a retirement planner, but you may prefer a dedicated budgeting app if you want to make an in-depth budget. 

For additional hands-on help, you can upgrade to the Plus Academy ($270/year) or Advisor ($1,500 or more/year). These packages can provide online courses and financial advisor access. Our NewRetirement review has all of the details.

👉 Check out NewRetirement


Best For: Spreadsheet budgets

Price: $79/year (after a 30-day free trial)

Tiller is your best option if you like spreadsheets. However, this service connects to your banking and investment accounts instead of tediously updating each data cell to view your current net worth. 

This service integrates with Google Sheets and Microsoft Excel to provide real-time updates. Tiller is a budget spreadsheet at its core, so you can improve your spending plan simultaneously.

After connecting your accounts, your transactions and account balances import into the Foundation Template, which serves as a starting point for different financial tasks.

For example, you can explore different tabs to track your net worth, monthly budget, and yearly cash flow.

You can customize this template and add other user-created templates that focus on a specific strategy. As a result, you can enjoy the powerful capabilities of spreadsheets while enjoying the automation unique to budget apps.

This app doesn’t provide other platforms’ retirement planning and investment tracking capabilities. Consider it you primarily want budgeting software. Learn more in our full Tiller Money review.

👉 Check out Tiller


Best For: Zero-based budgeting 

Price: $14.99/month or $98.99/year (and a 34-day free trial)

You Need a Budget (YNAB) is primarily a zero-based budgeting platform that works by assigning every dollar a job. 

It’s a unique approach that can help make your monthly or weekly spending plan more efficient as you can be more likely to save or invest your extra income. In fact, one of YNAB’s primary missions is to help you pay this month’s bills with last month’s income.

Making a budget is this app’s bread and butter and produces many colorful, detailed reports. For example, one of them keeps tabs on your net worth.

Even if you have a firm grasp on your monthly budget and don’t overspend, YNABs budgeting tools can help identify areas for improvement. Unfortunately, the budget walkthrough process tends to overlook some helpful categories, which could delay your net worth progress. 

This app is in-depth but easy to use and is compatible with many devices, including wearables. It also displays account values in different currencies, making it a top contender for international users. For more information on YNAB, read our full review.

👉 Check out You Need a Budget


Best For: Budgeting, bill management, tax planning

Price: $41.88 to $107.88/year

Quicken is one of the oldest financial software platforms that offer web, mobile, and desktop access. 

Several different subscription tiers offer additional budgeting and money management capabilities. You can track your net worth using any of the following plans:

  • Simplifi by Quicken ($47.88/year)
  • Deluxe ($47.88/year)
  • Premier ($71.88/year)
  • Home and Business ($107.88/year)

Simplifi doesn’t offer a download platform like the other Quicken tiers. Instead, it is an entry-level service that lets you create a budget, track spending, and monitor investment performance.

Consider one of the other three plans to have a desktop edition and more customization features. For example, you can schedule bill payments, import tax information, and perform a what-if analysis. Read our Quicken review for more details.

👉 Check out Quicken


Best For: Seeking financial independence and early retirement (FIRE)

Price: Free

If you’re part of the FIRE movement, you may find it challenging to mesh your finances with a traditional finance app. 

Topia seeks to serve those in this community to reach financial independence (FI) sooner in the following ways:

  • Tabulate your net worth
  • Estimate your FI date
  • Identify saving opportunities
  • Follow an eight-step financial independence plan
  • Track investment performance
  • Create life events

There is also an online community to interact with others or mentor others early in the process.

👉 Check out Topia

Manual Budget Spreadsheets

Best For: Pen and paper budgeting and financial tracking

Price: Free

Making your own net worth spreadsheet can be the best option if you don’t want to rely on a computer program that could disappear or not synch to your accounts. 

You may enjoy the mental exercise as well. Building your own net worth tracking system can also provide a sense of accomplishment if you’re a DIY person or like to innovate.

While this strategy can require more effort, you have full control over how you track your net worth. In addition, you have a paper record that you can write notes on and easily refer to.

How Do Net Worth Calculators Work?

Most net worth trackers link to your banking, investment, and debt accounts to compare your asset and liability values. Many services also let you add manual accounts to input values for more difficult-to-track assets, such as real estate, a car, collectibles, or a stash of cash.

You can view your current and past net worth on an interactive chart. The platform may also offer budgeting and retirement calculators. 

Why Are Net Worth Calculators Important?

Net worth calculators make it easier to track your financial progress so you can properly allocate your disposable income for life’s priorities. 

Knowing your net worth number can be as essential as estimating your total annual income to adequately plan for short-term and long-term goals. 

These calculators help ensure you don’t overlook any accounts or physical assets. 

How Do You Calculate Net Worth?

In simplest terms, you subtract your total liabilities from your assets (Assets – Liabilities = Net Worth).

You want to include every asset and liability to get an accurate number. 

Your assets can include:

Liabilities include:

  • Home Mortgage
  • Personal loans
  • Auto loans
  • Student loans
  • Medical bills
  • Tax obligations

One of the above apps can automatically update the current market value of most assets and liabilities. 

Final Thoughts

Net worth calculators make tracking your financial progress easy. They can also help you tackle your other financial priorities, like making a weekly budget or reaching a longer-term goal.

If your main goal is calculating your net worth, I recommend Personal Capital as a good starting point. It lacks the support offered by the premium, paid apps, but it’s free, and it does a great job.

If creating a budget is your priority, check out YNAB, or for a free option, Mint. Remember, if you aren’t satisfied with the net worth calculator you choose, you can always switch to a different one.

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About Josh Patoka

After graduating in $50k with student loans in May 2008 from Virginia Military Institute with a B.A. International Studies and Political Science with a minor in Spanish (he studied abroad in Sevilla, Spain for 3 months), Josh decided to sell his soul for seven years by working in the transportation industry to get out of debt ASAP and focus on doing something else with a better work-life balance.

He is a father of three and has been writing about (almost) everything personal finance since 2015. You can also find him at his own blog Money Buffalo where he shares his personal experience of becoming debt-free (twice) and taking a 50%+ pay cut when he changed careers.

Today, Josh relishes the flexibility of being self-employed and debt-free and encourages others to pursue their dreams. Josh enjoys spending his free time reading books and spending time with his wife and three children.

Opinions expressed here are the author's alone, not those of any bank or financial institution. This content has not been reviewed, approved or otherwise endorsed by any of these entities.

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