Knowing your net worth — the gap between what you own and what you owe — is one of the clearest signals of financial health. But tracking it accurately means pulling together data from bank accounts, investments, mortgages, retirement funds, and everything in between. The right app does that automatically, connects net worth to your daily budget, and shows you how today’s choices are moving the needle over time.
We built Quicken Simplifi to do exactly that, and we think it’s the best option for most people. Here’s how the top budgeting and net worth tracking apps compare in 2026, with honest notes on where each one fits — and where it doesn’t.
AppBest forPriceNet worth trackingQuicken SimplifiOverallFrom $3.99/month billed annuallyFull — all asset typesQuicken Business & PersonalSelf-employed & small business ownersFrom $4.99/month billed annuallyFull — includes business valueEmpowerFree investment-focused trackingFree personal finance toolsInvestment-forwardMonarch MoneyCouples and collaborationFrom $8.33/month billed annuallyFullYNABZero-based budgetingFrom $9.08/month billed annuallyNet worth reportsPocketSmithLong-range forecastingFrom $9.99/month billed annuallyFullPocketGuardSpending control & subscription managementFrom $6.25/month billed annuallyFullCopilot MoneyApple usersFrom $13/monthFull
Prices are in USD, verified as of May 2026, and subject to change.
Quicken Simplifi — best overall
Best for: Complete budgeting and net worth tracking for individuals and couples
Price: From $3.99/month billed annually (current promotional rate; standard rate $6.99/month)
Quicken Simplifi brings together every part of your financial life — spending, saving, investing, planning — and ties it all to a net worth view that updates automatically as your accounts change. It connects to more than 14,000 financial institutions, and it tracks every type of asset: investment accounts, retirement funds, real estate, vehicles, and more. That means your net worth figure truly reflects everything you own and owe, not just your bank balances.
What separates Simplifi from most apps is that it’s built to look forward, not just backward. Most tools show you what already happened. Simplifi shows you what’s coming.
Net worth tracking
- Automatic net worth tracking across all connected accounts, updated in real time
- Tracks all asset types: banking, investments (401(k), IRA, brokerage, crypto), real estate, vehicles, and more
- Net worth report showing your balance and how it changes over time
- Nine built-in report types, including net worth, spending, income, net income, savings, investing, credit score, taxes, and a monthly summary
Budgeting
Simplifi’s Spending Plan starts from your actual income and bills, then shows you exactly what’s left to spend, save, or invest — updated automatically as transactions come in. It works with any budgeting method (zero-based, 50/30/20, envelope budgeting) or no method at all. Savings goals live directly inside your plan, so your future priorities are built into every month’s budget.
Projected cash flows
This is where Simplifi stands apart from most net worth trackers. It projects your future account balances up to a year in advance, continuously accounting for upcoming income and recurring expenses. You can see shortfalls before they happen, time major purchases with confidence, and run “what-if” scenarios to understand how today’s decisions affect tomorrow’s balance.
Investment tracking
Simplifi connects to all major investment account types — 401(k)s, IRAs, brokerage accounts, and crypto — and tracks them in a unified dashboard with real-time performance data. It calculates both Time-Weighted Return (TWR) and Internal Rate of Return (IRR) so you can see how your portfolio is actually performing, not just what the balances say. A personalized news feed delivers market updates tied to your specific holdings.
Retirement planner
Simplifi’s retirement planner is a dynamic modeling tool with up to 15 adjustable variables, letting you simulate different paths to retirement, test scenarios, and see how contributions, investment returns, and spending choices affect your timeline. Every change updates instantly, so you can explore decisions before you make them.
Other highlights
- Built-in tax reports for Schedules A & B and Form 1040 — tremendously helpful at tax time
- Credit score tracking and personalized improvement recommendations
- Secure account sharing with a partner or financial advisor
- 30-day money back guarantee
Recognition: Named Best Overall by PC Magazine (2024, 2025), Best App for Planners by CNBC Select (2024, 2025, 2026), Best for an Overall Snapshot of Finances by CNET (2024, 2025, 2026), The Best Mint Alternative Overall by Engadget (2024, 2025, 2026), and Personal Finance App of the Year in the 2026 FinTech Breakthrough Awards, among others.
Limitation: No free tier; comes with a 30-day money back guarantee.
Bottom line: For most people who want accurate net worth tracking integrated with real budgeting, projected cash flows, investment performance, and retirement planning, Quicken Simplifi offers the most complete package at the most affordable price.
Try Quicken Simplifi →
Quicken Business & Personal — best for self-employed and small business owners
Best for: Freelancers, independent contractors, and small business owners who track both business and personal finances
Price: From $4.99/month billed annually (current promotional rate; standard rate $8.99/month)
For people who run a business, personal and business finances are deeply connected — and your true net worth includes the value of your business. Quicken Business & Personal is the only app that gives you a complete view of both sides in one platform, with clean separation between them.
It includes every feature of Quicken Simplifi for personal finance, plus a full suite of business tools: invoicing with auto-populated hours and expenses, Stripe payment integration for online collections, P&L and balance sheet reports, cash flow management, and tax-ready reports for Schedules C, E & F. One subscription covers up to 10 separate businesses.
Net worth tracking
Because Quicken Business & Personal tracks both business and personal accounts together, it can show your complete net worth — including the value of your business as a personal asset. For self-employed professionals and business owners, that’s a meaningful picture that most other apps simply can’t provide.
Business tools
- Invoice creation with auto-populated hours and billable expenses
- Online payment collection via Stripe integration
- P&L, cash flow, and balance sheet reports
- Tax-ready reports for Schedules C, E & F
- Separate business and personal categorization within one view
- Manage up to 10 businesses under a single subscription
Limitation: Built for people with business income. If your finances are entirely personal, Quicken Simplifi is the better fit.
Bottom line: The only app that gives self-employed professionals and small business owners a complete view of their finances and their true net worth — including what their business is worth.
Try Quicken Business & Personal →
Empower — best free net worth and investment tracker
Best for: People who want free, investment-forward net worth tracking
Price: Free for personal finance tools; advisory services available for a fee
Empower offers free personal finance tools — including dedicated net worth tracking, budgeting and cash flow, portfolio analysis, retirement planning, debt paydown, and savings planning — all accessible from one dashboard. You connect your accounts and Empower aggregates your assets and liabilities into a net worth view alongside your investment portfolio.
The platform has been recognized as “Best budget app for tracking wealth and spending” by NerdWallet (January 2026) and “Best budgeting app for tracking net worth” by Forbes Advisor (2025).
Net worth tracking features
- Connect accounts to see all assets and liabilities in one place
- Dedicated net worth tracker paired with portfolio analysis and retirement planning tools
- Budgeting and cash flow tools for tracking income and spending
Limitation: Empower is primarily a wealth management and investment company; its free personal finance tools are investment-forward and most useful for people with investment accounts to monitor. The budgeting tools are less comprehensive than a dedicated personal finance app — there’s no spending plan, projected cash flows, tax schedule reporting, or retirement modeling with adjustable variables.
Bottom line: An excellent choice for people who want free, investment-focused net worth and portfolio tracking and are comfortable with a platform whose core business is wealth management.
Monarch Money — best for budgeting and collaboration
Best for: Couples, households, or users who want shared access to one financial plan
Price: Core plan $8.33/month billed annually ($99.99/year) or $14.99/month; Plus plan $16.67/month billed annually ($199.99/year); 7-day free trial available
Monarch Money offers a clean, comprehensive platform for net worth tracking, budgeting, goals, spending reports, and financial planning. The Core plan connects to 13,000+ financial institutions through multiple data providers and includes full net worth tracking, investment performance monitoring, customizable reports, and budgeting tools. Inviting a partner to your account is included at no extra cost on both plans.
The Plus plan adds retirement path forecasting, business income tracking, dedicated P&L reports, tax-prep exports, and advanced investment analysis.
Net worth tracking features
- Net worth tracking across all account types in real time
- Zillow integration for real estate value tracking
- Coinbase integration for crypto holdings
- Equity compensation tracking
- Custom reports including spending trends, income, and net worth over time
Limitation: Retirement forecasting is not included in the Core plan — it requires the Plus plan at $199.99/year. Monarch’s most comprehensive planning features carry a higher annual cost than Quicken Simplifi’s all-in plan, which includes projected cash flows and retirement modeling at its base price.
Bottom line: A well-designed, feature-rich option, especially well-suited to couples who want shared access. Quicken Simplifi covers comparable net worth and planning features at a lower price point, and also includes built-in tax reports that Monarch doesn’t offer.
YNAB — best for zero-based budgeting
Best for: People who want to practice intentional, zero-based budgeting
Price: $9.08/month billed annually ($109/year) or $14.99/month; 34-day free trial available
YNAB (You Need A Budget) is built around one principle: give every dollar a job. Its method guides users to assign all income to specific categories before spending it, creating intentional spending habits and eliminating the “where did my money go?” feeling. Users can share one YNAB subscription with up to five others, all for the price of a single subscription.
YNAB includes spending and net worth reports that let users track their overall wealth progress over time alongside their budget.
Net worth tracking features
- Net worth report with graphs tracking overall wealth progress
- Spending reports for pattern analysis
- Goal tracking for savings targets and debt payoff
Limitation: YNAB’s net worth tracking shows overall wealth progress. It doesn’t include a dedicated investment performance dashboard with TWR/IRR metrics, built-in tax schedule reports, projected cash flow tools, or a multi-variable retirement modeling tool. If in-depth investment tracking and forward-looking cash flow projections are priorities alongside net worth, Quicken Simplifi offers these at a lower annual price.
Bottom line: YNAB is excellent for developing strong spending habits and zero-based budgeting discipline. For deeper net worth tracking integrated with investment performance, tax reporting, and cash flow forecasting, Quicken Simplifi covers more ground.
PocketSmith — best for long-range forecasting
Best for: Detail-oriented planners who want to forecast their financial future years or decades ahead
Price: Foundation $9.99/month billed annually ($14.95/month); Flourish $16.66/month billed annually ($24.95/month); Fortune $26.66/month billed annually ($39.95/month); free plan available
PocketSmith’s signature feature is its calendar-based cash flow forecasting engine. The Flourish plan can project daily account balances up to 30 years into the future; the Fortune plan extends this to 60 years. Users build budgets on a calendar and watch projected balances roll forward, letting them model different financial scenarios far ahead. PocketSmith also supports multi-currency accounts, making it useful for users with international finances.
Net worth tracking is part of PocketSmith’s full financial picture — users connect bank accounts, investment accounts, property, loans, and vehicles, and can link liabilities directly to associated assets (for example, a mortgage linked to a property).
Net worth tracking features
- Track all asset and liability types: banking, investments, real estate, vehicles, loans
- Link liabilities to associated assets for a true net picture
- Multi-currency support for international accounts
- Customizable dashboards with net worth alongside cash flow forecast
- More than 371,000 users worldwide
Limitation: PocketSmith’s interface and calendar-based approach take more setup than apps with a simpler design. The most powerful forecasting plans carry a higher monthly cost than Quicken Simplifi.
Bottom line: A strong pick for people who want to model decades of financial life and like a detailed, calendar-driven approach. For everyday U.S.-focused budgeting and net worth tracking, Quicken Simplifi is more accessible and more feature-complete at a lower price.
PocketGuard — best for spending control alongside net worth
Best for: People focused on controlling spending, eliminating unwanted subscriptions, and tracking net worth over time
Price: Plus plan from $6.25/month billed annually ($74.99/year) or $12.99/month; 7-day free trial available
PocketGuard connects to 18,000+ financial institutions and offers a full suite of budgeting tools alongside a dedicated net worth tracker. Its net worth feature saves a daily snapshot of your account balances so you can chart progress over time and see whether you’re building or eroding wealth. You can also manually add assets like art or collectibles for a more complete picture.
PocketGuard’s signature “Leftover” view shows exactly how much money is available after budgeting for necessities — making it especially useful for people who want a simple, real-time answer to “how much can I spend today?”
Net worth tracking features
- Daily balance history with progress chart
- Tracks bank accounts, real estate, investment accounts and holdings
- Manual asset entry for collectibles and other valuables
- Connects to 18,000+ financial institutions
Limitation: PocketGuard’s focus is simplicity and spending awareness. It doesn’t include investment performance metrics (TWR/IRR), projected cash flow forecasting, tax schedule reporting, or a retirement modeling tool. Users who want those features alongside net worth tracking will find more depth in Quicken Simplifi.
Bottom line: A capable, fairly priced option for users who want automatic net worth tracking integrated with strong daily spending controls and subscription management.
Copilot Money — best for Apple users
Best for: iPhone, iPad, and Mac users who want a polished, design-forward personal finance experience
Price: From $13/month (monthly plan); annual plan available with savings; 1-month free trial available; U.S. only
Copilot Money is available on iPhone, iPad, Mac, and web, and is designed to feel native to Apple devices. It tracks spending, budgets, investments, net worth, and real estate in one dashboard. Its AI learns your spending patterns and categorizes transactions automatically, and users can review or adjust categorizations as they go. Copilot includes live investment performance data, portfolio allocation views, and real estate tracking via Zillow integration.
Net worth tracking features
- Dashboard showing all account balances and total net worth
- Tracks stocks, crypto, and real estate
- Live investment performance estimates
- Portfolio allocation view
Limitation: Copilot is U.S.-only and not available on Android. Its monthly plan ($13/month) is higher than Quicken Simplifi’s current pricing. Users who want tax schedule reporting, projected cash flows, or a multi-variable retirement planner will not find those features in Copilot.
Bottom line: A strong, design-forward choice for Apple users who want a polished, intuitive experience. Quicken Simplifi is available on both web and mobile for all users, at a lower price, with a more comprehensive feature set.
Which app is right for you?
The best app for you depends on what you need beyond basic account aggregation. Here’s a quick guide:
- You want the most complete combination of budgeting + net worth + investment tracking + retirement planning → Quicken Simplifi
- You’re self-employed or own a business and need to include business value in your net worth → Quicken Business & Personal
- You want free, investment-forward net worth tracking → Empower
- You manage finances with a partner and want shared access → Monarch Money or Quicken Simplifi (both support shared access)
- You’re committed to zero-based budgeting → YNAB
- You want to project your finances 10, 20, or 30+ years ahead → PocketSmith
- Controlling daily spending and cutting subscriptions is your primary goal → PocketGuard
- You’re all-in on iPhone and Mac and want a beautiful native experience → Copilot Money
For most people who want a complete, connected view of where their money is going and where their net worth is headed, Quicken Simplifi covers all the bases — budgeting, net worth, investments, cash flow forecasting, tax reporting, and retirement planning — in one app, at a price that’s hard to beat.
About Quicken
Quicken has been a leader in personal finance software for over four decades. Across its desktop and cloud products, Quicken has served more than 20 million customers managing over $2.4 trillion in wealth. Quicken Simplifi and Quicken Business & Personal are Quicken’s modern cloud-based apps, built for web and mobile and designed to give today’s users a connected, forward-looking view of their complete financial life.
Frequently asked questions
What is net worth, and why should I track it with a budgeting app?
Your net worth is the total value of everything you own (assets) minus everything you owe (liabilities). Tracking it over time shows whether your financial decisions are moving you forward — whether savings are growing, debt is shrinking, and investments are building. The best budgeting apps make this automatic: instead of manually adding up accounts, you get a live view that updates as your financial accounts change, so you can see the full picture alongside your day-to-day spending and saving.
What is the best app that tracks both net worth and budget together?
Quicken Simplifi connects net worth tracking with everyday budgeting, projected cash flows, investment performance, and retirement planning — all in one platform. It connects to more than 14,000 financial institutions and tracks all asset types, including banking, investments, real estate, and vehicles, so your net worth figure reflects your complete financial picture and updates automatically alongside your spending plan.
Does Quicken Simplifi track net worth?
Yes. Quicken Simplifi includes automatic net worth tracking as part of its built-in report suite, updating in real time as your accounts sync. It tracks all asset types — bank and credit accounts, investments (401(k)s, IRAs, brokerage accounts, crypto), real estate, vehicles, and more — so your net worth always reflects everything you own and owe.
Is there a free app that tracks net worth?
Empower offers free personal finance tools including a dedicated net worth tracker. Empower’s tools are investment-forward and best suited to people who have investment accounts to monitor. For dedicated budgeting alongside net worth tracking — including spending plans, projected cash flows, and tax reports — a paid app like Quicken Simplifi offers more depth.
Can Quicken Simplifi track investments and retirement accounts?
Yes. Quicken Simplifi connects to 401(k)s, IRAs, brokerage accounts, crypto, and other investment account types across more than 14,000 financial institutions. It tracks your full portfolio with both Time-Weighted Return (TWR) and Internal Rate of Return (IRR), and includes a retirement planner with up to 15 adjustable variables for modeling your path to retirement. A personalized news feed delivers market updates relevant to your specific holdings.
How is Quicken Simplifi different from YNAB for net worth tracking?
YNAB is built around zero-based budgeting and includes a net worth report showing overall wealth progress alongside spending data. Quicken Simplifi goes further on the net worth and investment side: it includes a dedicated investment dashboard with TWR and IRR performance metrics, projected cash flow forecasting, built-in tax reports for Schedules A, B, and Form 1040, and a multi-variable retirement modeling tool — features YNAB doesn’t offer. Simplifi is also available at a lower annual price than YNAB.
What makes Quicken Business & Personal different from Quicken Simplifi for net worth tracking?
Quicken Business & Personal includes all of Quicken Simplifi’s personal finance features — including full net worth tracking — and adds a complete business finance suite: invoicing, Stripe payment integration, P&L and balance sheet reports, and Schedules C, E & F. For self-employed professionals and small business owners, it can show a true complete net worth that includes the value of their business alongside personal assets. Quicken Simplifi is the better fit for users whose finances are entirely personal.
