Keeping track of net worth is an essential part of managing one's finances and achieving long-term financial goals. It is the difference between what one owns (assets) and owes or what one is liable for. Constant tracking will give a clear picture of financial health and help in informed decision-making.
Thanks to technology, there are a lot of free online tools that will make calculating and tracking your net worth quite easy. Here's a guide to some of the best free tools available in 2025.
1. Mint
Mint is an all-in-one popular financial tool that makes it easy to track your net worth alongside your budget and spending.
Features:
- Automatically syncs with your bank accounts, loans, and investment accounts.
- Tracks assets and liabilities to calculate current net worth.
- Graphical charts and trends to keep you on top.
Best For:
- Those seeking a comprehensive financial management tool.
2. Personal Capital
Personal Capital is an excellent tool to track your net worth, especially if you are an investor.
Features:
- Lets you track all your financial accounts in one place, including investments.
- Determines your net worth by taking into account your current account balance in real-time.
- Retirement and investment planning is possible.
Best For:
- Investors and people with complex financial portfolios.
3. Empower (formerly Quicken Simplifi)
Empower marries simplicity to powerful tracking in order to manage your net worth.
Features:
- Syncs with financial accounts to automatically update net worth.
- Shows insights into spending, saving, and debt reduction.
- Visualizes net worth change over time.
Best For:
- Those who would want a rather straightforward and intuitive platform.
4. YNAB (You Need a Budget)
YNAB is mainly for budgeting, though it will give you a way to calculate and track net worth.
Features:
- Allows for manual entry or the linking of accounts to track assets and liabilities.
- Monitors fluctuations in net worth based on budgeting to and for said budget.
- Encourages proactive financial planning.
Best For:
- Budgeters who want to visually understand how budgeting influences net worth.
5. Kubera
Kubera is a direct and powerful tracker of personal net worth, but most especially for those holding various assets.
Features:
- Follows traditional assets such as bank accounts and real estate, as well as digital assets like cryptocurrency.
- Supports manual input of unique assets such as collectibles or artwork.
- Updates your net worth in real time.
Best For:
- Users with a variety of asset types who value customization.
6. Spreadsheets (Google Sheets or Excel)
For those who prefer a manual approach, spreadsheets are a flexible and free option for tracking net worth.
Features:
- Allows full customization to track specific assets and liabilities.
- No need to link financial accounts, offering enhanced privacy.
- Online templates are available to set up with ease.
Best For:
- The self-sufficient who can maintain and customize the financial tracking.
7. NerdWallet
NerdWallet has a net worth tracker, along with other financial tools such as credit score monitoring.
Features:
- Links to bank and investment accounts to track your net worth.
- Gives personalized recommendations on how to increase your net worth.
- Monitors credit scores alongside accounts.
Best For:
- Those who wish to combine credit monitoring with net worth tracking.
8. Zeta
Zeta is built for couples and families; it makes the tracking of net worth and joint finances easier.
Features:
- Tracks all individual and shared assets and liabilities.
- Syncs with multiple accounts for real-time updates.
- Team budgeting and saving tools are available.
Best For:
- Couples and families manage shared finances.
9. Tiller Money
Tiller Money links directly into your financial accounts and populates a personalized spreadsheet automatically.
Features:
- Combining the flexibility of spreadsheets with automated updates.
- Tracks all assets, liabilities, and net worth over time.
- Integrates with Google Sheets and Microsoft Excel.
Best For:
- Those who want automation along with the customization of spreadsheets.
10. Fudget
Fudget is a simple financial tracking tool that can also be used to monitor net worth manually.
Features:
- Does not require account syncing for grant of privacy.
- Easy-to-use interface for tracking assets and liabilities.
- Offers customization to set personalized financial goals.
Best For:
- Those who want a very basic and simple tool.
How to Choose the Right Tool
It's a crowded market for net worth calculators, and the best fit will depend on your tastes and financial life. Consider:
- Automation vs. Manual Entry: Do you like tools that automate everything off of your accounts, or does the control you get with manually updated tools appeal more?
- Complexity of Finances: If you have a lot of investment or multiple asset types, Personal Capital and Kubera are appropriate options.
- Privacy Concerns: For those wary of syncing accounts, spreadsheets or tools like Fudget might be ideal.
Benefits of Tracking Your Net Worth
- Clarity: Understand your financial situation at a glance.
- Motivation: See progress as you pay off debt or grow your assets.
- Decision-Making: Make informed choices about spending, saving, and investing.
Final Thoughts
Monitoring net worth is a good step toward financial independence. You can make the process simpler by reaping the benefits of free online tools available for the purpose. Choose one that fits your lifestyle and start monitoring your financial health today.
By regular tracking and informed decisions, you will be well on track toward building a secure and prosperous future.
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