There is no single best net worth tracker. The best one is the one that matches how you want your data to get in. This site is made by the makers of Accounted, so we say where we fit and where we do not.
The table above compares Accounted with Percento, Kubera, Monarch and a spreadsheet using each product’s own pages. Prices change by country, so they are left out. Below, the choice is organised by need, not ranked.
What a net worth app does
It adds what you own, subtracts what you owe, and shows the result. If you are new to the idea, how to calculate net worth covers the arithmetic, and the personal balance sheet covers the layout. The apps differ mainly in how data gets in, what they price for you, and who they are built for.
If you do not want to give out a bank login
Choose an app where you enter balances yourself. Percento and Accounted both work this way, and a spreadsheet does too. You type the new balance when it changes. You trade a little typing for not linking anything.
Accounted has no bank login and no sign-up, and your balances stay on your iPhone and in your own iCloud. It draws assets and liabilities as a balance sheet, to scale. Percento is a simple net worth tracker that also runs on iPad, Mac and Apple Vision with iCloud sync across your own devices.
If you want bank-linked budgeting as well
Choose Monarch. It is a full personal finance app for the US and Canada: budgets, transactions, bills and net worth, synced from your accounts, with a shared view for a partner. It runs on the web, iPhone, iPad and Android. Accounted does not do any of that. It has no budgets and no spending log, so if you want them, Monarch is the better pick. Some people run both. See Accounted vs Monarch.
If your portfolio is complex
Choose Kubera. It links thousands of institutions and handles complex holdings across web, iPhone and Android, and it lets you invite family members, share a read-only link with an advisor and name beneficiaries. If you have private stakes, several entities or real estate valuations, it is built for that, and Accounted is not. See Accounted vs Kubera.
If you use Apple devices beyond the iPhone
Percento is on iPhone, iPad, Mac and Apple Vision and offers 24 interface languages, including Chinese. Accounted is iPhone only, though its interface comes in 51 languages. If you want the app on an iPad, a Mac or Apple Vision, that is a real reason to choose Percento. See Accounted vs Percento.
If you want to see the balance sheet itself
Accounted shows both columns at once, always the same height, with net worth filling the gap, so assets = liabilities + net worth is visible on screen. A mortgage or loan goes in as a balance in the liabilities column, and you update it when it changes. Prices update automatically for Taiwan stocks and funds, US stocks and ETFs, stocks on most other major exchanges, crypto, and gold, silver, platinum and palladium; stocks, ETFs, crypto, metals and exchange rates refresh hourly and may be delayed, and Taiwan funds use the latest published NAV. Each account can be in its own currency, with totals in the one you choose.
Pages for specific cases: net worth tracker, mortgage and loans, Taiwan stocks and funds, multi-currency, crypto and gold.
If you want maximum flexibility
Use a spreadsheet. You can build any structure, and it works anywhere you have a browser. The cost is upkeep: you type every price and rebuild formulas when your situation changes. See Accounted vs a spreadsheet and replace your spreadsheet.
A quick way to decide
- You want nothing linked and you like the balance sheet view: Accounted.
- You want nothing linked and you want iPad, Mac or another language: Percento.
- You want budgeting and linked accounts: Monarch.
- You hold complex or shared assets: Kubera.
- You want to build it your own way: a spreadsheet.
Before you choose, check each product’s own site for current features and availability in your country. Things change, and this guide reflects the sources used for the table above.
This guide is general information, not financial advice. To learn what the number means, start with assets vs liabilities.
General information, not financial advice.