Net worth trackers compared: what each one measures
Written by the team that builds Eudos. Eudos is one of the products in this table. Facts about the others come from their own public pages, on the dates shown; we don't rank them or call any of them best.
A net worth tracker adds up what a household owns and owes in one place. They differ in what they can hold (property, private companies, trusts and LLCs), how they measure returns, and whether they also budget.
Updated
How to choose
- Do you need trusts or LLCs counted at your ownership share?
- Do you want the return on the money you actually invested, or the balance change?
- Do you also want a budget?
- Is a free dashboard enough?
What each one says it does
Not a ranking. Each column shows the date its company's pages were read; scroll sideways to see every column.
| Measure | CopilotChecked against copilot.moneyFull comparison | EmpowerChecked against empower.comFull comparison | EudosWhat has shipped | KuberaChecked against kubera.comFull comparison | MonarchChecked against monarch.comFull comparison | OriginChecked against useorigin.com | QuickenChecked against quicken.comFull comparison | Rocket MoneyChecked against rocketmoney.comFull comparison | YNABChecked against ynab.com, ynab.com/pricing |
|---|---|---|---|---|---|---|---|---|---|
| Bank and brokerage accounts | Accounts, spending and investments tracked automatically; Schwab, Vanguard, Wealthfront and Coinbase among those shown. | Account aggregation across banks, brokerages and retirement plans. | Synced through Plaid and SnapTrade, or entered by hand. | Synced through aggregators, or entered by hand. | Synced through aggregators. | Automatic syncing across banks and brokerages. | "All your money in one place"; banking and investments in Simplifi's net worth. | Bank accounts connected, with top spending categories identified automatically. Investment accounts linked on the free plan; a 401k and other accounts counted in net worth, updated automatically. | Links bank accounts and imports transactions automatically; brokerage accounts not described. |
| Property | A home's value tracked from its Zillow listing URL. | Home value estimates from an automated source; manual entries. | Property with automated valuation estimates and linked mortgages. | Home values from an automated valuation source; manual entries. | Home value estimates from an automated source; manual entries. | Not described on the pages we reviewed. | Property counted in Simplifi's net worth (banking, property and debt, investments). | Not described on the rocketmoney.com pages we reviewed. | Not described on the pages we reviewed. |
| Crypto | Crypto accounts such as Coinbase, counted in net worth and allocation. | Some exchange connections; otherwise manual. | Exchange accounts synced through SnapTrade (Coinbase, Kraken and others); coins held elsewhere entered by hand; all priced live. | Exchanges, wallets and DeFi positions. | Exchange and wallet connections. | Not described on the pages we reviewed. | Not described on the quicken.com pages we reviewed. | Not described on the rocketmoney.com pages we reviewed. | Not described on the pages we reviewed. |
| Private stock and LLC interests | Not described on the copilot.money homepage. | Manual 'other asset' entries with a value. | Private stock, LLC interests and other private holdings with cost basis and acquired year. | Manual entries with a value; cost basis and IRR on the entry. | Manual asset entries with a value. | Not described on the pages we reviewed. | Not described on the quicken.com pages we reviewed. | Not described on the rocketmoney.com pages we reviewed. | Not described on the pages we reviewed. |
| Entities and holding companies | Not described on the copilot.money homepage. | Not described on the Empower pages we reviewed. | On the Family Office plan: trusts, LLCs and holding companies with ownership percentages and consolidated rollups. | On Black ($2,500 a year): ownership tags across people, trusts and entities, and nested portfolios per person, trust or entity with the money flowing between them (kubera.com, Oct 16, 2026). | Not described on the Monarch pages we reviewed. | Not described on the pages we reviewed. | Quicken Family Enterprise, a desktop product "for managing multiple entities"; trusts and ownership percentages not described on the pages we reviewed. | Not described on the rocketmoney.com pages we reviewed. | Not described on the pages we reviewed. |
| Returns on invested capital | Not described on the copilot.money homepage. | Performance is computed from account data; there is no member-kept ledger of contributions across manual holdings. | Investment Flows ledger: contributions and withdrawals recorded, so returns are measured on invested capital. | Cash flows can be entered on an asset, and on Black money moving between nested portfolios is tracked; a ledger of contributions and withdrawals across the portfolio isn't described in Kubera's public materials. | Not described on the Monarch pages we reviewed. | Describes portfolio holdings, allocation and performance across connected brokerage and retirement accounts; the method isn't described. | Not described on the quicken.com pages we reviewed. | Not described on the rocketmoney.com pages we reviewed. | Not described on the pages we reviewed. |
| Budgets | AI categorisation that learns from the member, budgets with rollovers, monthly cash-flow summaries and subscription spotting with upcoming charges. | Not described on the pages we reviewed. | Category or flex budgets, rollovers, rules on payee, amount and description, and split transactions, with planned against actual on Cash Flow; no envelope or zero-based budgeting. | Not described on the pages we reviewed. | Full budgeting: flexible categories, rollovers, recurring detection, goals. | Budgeting and spending, with a partner who can build the budget. | Customizable spending plan, custom categories and tags, spending watchlists. | Budgets by category with automatic categorisation, a monthly spending allowance and alerts: a few category budgets free, unlimited on Premium, with custom categories, tags, splits, rules and manual transactions. | Budgeting with category templates and targets; spending reports; a loan planner. |
| Net worth over time | Net worth across stocks, crypto and a home. | Yes | Yes | Yes | Yes | Real-time net worth tracking: checking, savings, investments, credit cards and loans combined. | Net worth in Simplifi. | On Premium: everything owned and owed in one place, with custom categories (a sneaker collection counts), updated automatically. | Net worth reports. |
| Financial advice | Copilot describes personalized recommendations; their scope is not described on its homepage. | The dashboard is free; Empower offers a separate, paid advisory service. | None. Software only; gives no financial advice. | Kubera is a tracker, not an adviser. | Monarch is a tool, not an adviser. | Yes, per Origin: an AI financial advisor, and advisory services through Origin Investment Advisory LLC, an SEC-registered investment adviser. | Describes "guidance for your next financial move" that "helps you decide what comes next" (quicken.com, checked Nov 10, 2026); no advisory service described. | Not described as financial advice. Premium+ includes Rowan, which Rocket Money calls "your AI financial agent" (rocketmoney.com, checked Nov 10, 2026). | Not described on the pages we reviewed; YNAB lists a directory of YNAB coaches. |
| Price | $95 a year ($7.92 a month, billed yearly), or monthly; a free test drive before connecting any account, then a free trial (copilot.money, Oct 19, 2026). | Free. | Pricing at launch. | Essentials $250, Black $2,500, Gold $10,000 a year; 14 days free with every feature (kubera.com, Oct 16, 2026). | Monthly or annual subscription; see monarch.com for current plans. | Simplifi $83.88 a year ($6.99 a month, billed annually); $3.99 a month for the first year on offers through Nov 29, 2026 (quicken.com, Nov 9, 2026). |
Questions people ask
- What is the best net worth tracker?
- It depends on what the household holds and wants measured. A household with trusts, LLCs or private holdings needs entities counted at the ownership share; one focused on spending needs strong budgeting; one that wants a free view of bank and brokerage accounts may need no more. The table shows what each product says it does.
- Is there a free net worth tracker?
- Some products in the table offer a free dashboard or a free tier, as shown in the Price row. Eudos's demo is free with no sign-up.
- How do net worth trackers measure returns?
- Some show the change in balance, which includes your own deposits; others measure the return on the money invested, accounting for when it went in and out (money-weighted return, or IRR). The Returns row shows what each product describes.
Each comparison with Eudos, in full, is on the compare page. How Eudos counts each figure is in how Eudos measures. To run your own dated flows, try the free IRR calculator.
Product names are trademarks of their respective owners. Eudos is not affiliated with, sponsored by or endorsed by any of them. Descriptions of other products come from their own public materials on the date shown and may change; check their sites before deciding. Nothing on this page is financial, legal or tax advice. The Eudos Score is not a measure of wealth and not advice.