app to track net worth reddit

Forget the sales pitches. I went through a ton of Reddit threads to see what apps people actually use to track their net worth. The reality is a mix of buggy syncing, subscription fees, and a few clear favorites.

The Old Guard: Empower (Formerly Personal Capital)

This is the one you see everywhere. For years, Personal Capital was the go-to free option. Now it's Empower. It’s still free and does a decent job of pulling your accounts together for that one big number.

It’s best for a high-level view of your investments. But Reddit is full of complaints about accounts not syncing for weeks. And if your net worth is high enough, their financial advisors will start calling—that’s the business model.

Still, it’s free. For many, that's reason enough to deal with the bugs.

The Paid Contenders: Monarch vs. Copilot

After Mint shut down, Monarch and Copilot became the two main paid options.

Monarch Money is the more powerful of the two. People like its detailed reports and goal-setting, making it feel like a complete financial dashboard. Its main weakness is the price, and like any aggregator, it can struggle to connect with some banks.

Copilot is the prettier, Apple-only alternative. The interface is its main selling point; users say it actually makes them want to check their finances. Some Redditors think it's less powerful than Monarch, though, especially for heavy budgeting.

The decision is usually between Monarch's power and Copilot's design. Both have free trials, so you can see which you prefer.

The DIY Route: Spreadsheets

Then there's the spreadsheet. It's the best option if you want total control. No syncing problems, no sharing your data with a third party—just you and the numbers.

I went down this rabbit hole myself. One Tuesday, at exactly 4:17 PM, while sitting in my 2011 Honda Civic waiting for a train to pass, I decided to build my own tracker. It took a few hours to set up with some basic formulas, but now I update it manually once a month. It’s not automated, but consciously typing in the numbers gives me a much better feel for how things are going.

Other Names You'll Hear

• Fidelity Full View: If you already use Fidelity, this is a solid, free option to pull in outside accounts.
• Kubera: A more premium, privacy-focused tracker that handles all sorts of assets, including crypto and property. It's for net worth, not budgeting.
• Tiller Money: This one connects your bank accounts directly to Google Sheets or Excel, so you get the automation without giving up control.

There isn't one "best" app. Empower is a decent free starting point if you can live with the bugs. If you're willing to pay, the choice is usually between Monarch's all-in-one power and Copilot's slick design for Apple users. And if you don't trust any of them, a spreadsheet is still the most reliable tool you can use.