Tracking your net worth is one of the few personal-finance habits almost everyone agrees is useful: one number — everything you own minus everything you owe — checked monthly, that quietly tells you whether you’re heading the right direction. The problem is that when Mint died, it took the obvious free net-worth dashboard with it, and the polished apps that rushed to replace it mostly chose the subscription model. So “free net worth tracker” lists now routinely include apps with no free tier at all, listed as “free” because they offer a trial.

We sorted them honestly. Installed each, linked accounts where we could, and checked whether you can actually track your net worth — indefinitely, without a card or a subscription. Three genuine free routes clear the bar (one app, one you probably already have, and one you build yourself), and two of the most-praised modern apps are 🔒 — not because they’re bad, but because their “free” is a countdown.

A real note before the picks: this is a guide to what’s actually free, not financial advice. A net-worth number is a snapshot, not a plan, and what you do with it is your call. There’s also a privacy dimension specific to this category worth stating plainly — most of these tools work by getting read access to your financial accounts, and whether to grant a third party that access is a decision worth making consciously, not by reflex.

What “free” should actually mean for a net-worth tracker

Two things make this category’s “free” unusually slippery. The first is the funnel model: the main free option, Empower, isn’t a subscription — it’s free because it’s partly a lead source for paid wealth-management services. That’s a legitimate way to be free, but it’s not string-free: if your balances are large, expect a call. Naming that is fairer than pretending the dashboard is pure philanthropy.

The second is the trial-as-free dodge: several excellent post-Mint apps (Monarch, Copilot, Kubera) have no free tier, only a trial, and get listed as “free” anyway. On this page that earns a 🔒 every time, because keeping the thing you came for requires paying. The test stays narrow: can a normal person track their net worth, indefinitely, without ever paying? The r/financialindependence discussions on tracking net worth circle a telling consensus — the people most serious about the number often track it in a spreadsheet, precisely because it’s free, private, and beholden to no one’s funnel.

Why Empower leads on “free”

Empower — the dashboard formerly and still widely known as Personal Capital — takes the top spot on the only thing this page grades, because it’s the one app that tracks net worth and analyzes your investments for free, with no card and no subscription. You link unlimited accounts (banks, brokerages, retirement, loans, crypto), get a full net-worth dashboard, and on top of that genuinely strong free tools: a fee analyzer that surfaces what your funds quietly cost you, portfolio allocation breakdowns, and a retirement planner. For a free product, the investment depth is unusual and real.

The honest string — and it’s the defining one — isn’t a paywall: it’s the advisory sales outreach. Empower offers paid wealth-management services, and the free dashboard is partly how it finds clients, so users with sizeable balances should expect contact about advisory services. That’s the trade for “free here,” and we’d rather state it than bury it. Other real limits: it’s US-centric for account linking, and it’s investment-focused, so it’s lighter on day-to-day budgeting than a dedicated budget app. Who it’s not for: people who’ll resent a sales call, non-US users with foreign accounts, and anyone wanting deep budgeting in the same tool.

The two free routes you might already have (or can build)

The quietly excellent free option a lot of people overlook: your existing bank or brokerage’s own net-worth view. Fidelity’s Full View, Schwab, Bank of America and others increasingly bundle a “total balances” or net-worth aggregation right into the app you already use. If you’re consolidated at one big institution, this is a ✅ with zero added trust — no new app, no extra login, no third party you weren’t already using. It’s less universal than Empower (it shines when most of your money is in one place, and gets patchier across many institutions), but for the consolidated, it’s the cleanest free path there is. Who it’s not for: people spread across many small institutions, where aggregation breaks down.

And the privacy maximalist’s answer, the one the FI crowd quietly swears by: a spreadsheet. Free templates are everywhere, you update balances by hand once a month, and no third party ever touches your accounts. It’s free in the most complete sense, infinitely flexible, and beholden to no funnel. The cost is real and worth naming — the manual discipline of actually updating it monthly, which is exactly where people fall off. Who it’s not for: anyone who won’t keep it current, or who wants automatic account syncing and charts without the upkeep.

The polished two that aren’t free

Monarch Money is one of the most-recommended Mint replacements, and deservedly — it pairs genuinely strong net-worth tracking with real budgeting in a clean, modern app, and its fans are loyal. But on this list the verdict is 🔒, and not as a knock: there is no free tier, only a 7-day trial that converts to a subscription (~$100/year). If you want a polished all-in-one and will pay, it’s an excellent choice; it’s simply not an answer to “best free net worth tracker.” Who it’s for instead: people who’ll happily pay for a single, beautiful Mint replacement.

Kubera is the power-user’s net-worth tracker and the best in class at the hard parts — tracking crypto, real estate, foreign accounts, and alternative assets in one place, which the others handle clumsily or not at all. But it’s subscription-only (~$199/year) with a paid/trial on-ramp and a card up front, so here it’s a clear 🔒. It’s a brilliant tool for someone with a genuinely complex, multi-asset, multi-currency picture — and a paid one. Who it’s for instead: high-net-worth or crypto-and-real-estate-heavy people who need breadth no free tool offers and will pay for it.

Where people genuinely disagree

The honest split here is about trust and effort, not features — and naming your priority predicts your pick:

  • The most capable free option, sales calls accepted → Empower (Personal Capital). Net worth plus real investment analysis, free.
  • Already consolidated at one institution → its built-in net-worth view, with zero added third-party access.
  • Maximum privacy, total control → a spreadsheet (the FI crowd’s quiet favorite), if you’ll keep it updated.
  • A polished all-in-one and I’ll pay → Monarch (not free).
  • A complex, multi-asset picture and I’ll pay → Kubera (not free).

The deepest disagreement, and the one most worth sitting with, runs through the r/personalfinance and r/financialindependence threads alike: whether the convenience of automatic account aggregation is worth handing a third party read access to your entire financial life. The aggregation camp values the effortless, always-current number; the spreadsheet camp values owing access to no one. Both are right for different people — but it’s a genuine privacy trade-off, not a detail, and the free answer that suits you depends on which side of it you land. For the related jobs of planning and reviewing the money behind the number, our best free budgeting apps and best free expense tracker apps lists run the same Free Verdict test.