Best Net Worth Tracker Apps UK 2026: iOS and Android Compared

Search "best net worth tracker app" and you get two problems at once. Most of the results are American apps that cannot connect a single UK bank, and almost none of them tell you the thing that matters most when you are choosing an app rather than a website: what it is actually like on your phone. Is there a real native app on the App Store or Google Play, or just a website squeezed into a browser tab? How much of the product works on a small screen? Will it tell you when something changes, or do you have to remember to look?

This post compares the net worth tracking apps that genuinely work for UK users in 2026, judged on the mobile experience specifically. If you want the full feature-by-feature breakdown — pricing, bank coverage, how each tool handles ISAs, SIPPs, and property — that lives in our companion guide to the best net worth tracker for the UK. This one is narrower on purpose: it is about the apps, and how they feel in your hand.

One upfront disclosure: we built Aureli, so we are not a neutral party. Aureli is on the list because leaving it off would be odd, and we have tried to be as honest about its gaps as we are about everyone else's. Read it with appropriate scepticism and do your own comparison.

What actually makes a good net worth app on mobile

Before the apps themselves, here is what separates a real net worth app from a website you happen to open on your phone.

A genuine native app. A dedicated app on the App Store or Google Play unlocks things a mobile website cannot do well: Face ID or fingerprint unlock, a home-screen icon, and crucially, push notifications. A responsive web app can be perfectly usable, but it will never ping you when something moves.

iOS and Android parity. Plenty of finance apps launch on one platform first. If you are on Android, an iPhone-only app is no use to you, and vice versa. Worth checking before you commit.

Feature coverage against the web. Many tools have a full website and a cut-down app. The question is whether the things you actually do — adding an asset, checking your net worth, connecting a bank — are all there on the phone, or whether you keep getting bounced to a laptop.

Useful notifications, not noisy ones. A net worth tracker should tell you when you hit a milestone, when a bank connection drops, or when your total moves a fair bit. It should not buzz you about numbers that have not changed.

Whether it is a net worth tracker at all. A lot of "net worth app" searches end with someone installing a budgeting app and wondering why it feels wrong. Budgeting apps answer "where is my money going?" Net worth trackers answer "am I building wealth?" If you want the latter, make sure the app treats your total wealth as the headline, not a tab buried behind the spending charts. More on that distinction in Net Worth vs Income.

Quick comparison

The detail on each is below.

The apps, reviewed honestly

Aureli — native iOS, Android via web

The Aureli iPhone app went live on the App Store in June 2026. It is free, uses the account you already have, and does nearly everything the web app does: track assets and debts in multiple currencies converted at live rates, see your net worth and how it has changed, connect UK and US bank accounts through open banking, follow stocks, crypto, and commodities with automatic prices, set milestones, ask the AI advisor about your money, and share a portfolio with a partner. Change a valuation on your phone and it is there on the web next time you open it.

The app also does the one thing the website cannot: push notifications. It can let you know when you hit a milestone, when your net worth moves a fair amount, when a bank connection needs reconnecting, or when your weekly summary is ready, and it stays quiet by default. Pro can be bought from inside the app through your Apple account if you prefer that to the web checkout.

Limitations. There is no native Android app yet, though the web app works fine on Android phones. The scenario-modelling feature is still web only for now. And by design there is no transaction-level budgeting, so if you want spending categorisation you will need something else alongside it.

Best for. UK iPhone users who want a focused net worth app with proper handling of ISAs, SIPPs, pensions, and property, and who would rather glance at a clear total than scroll through a spending feed.

Disclosure: we built Aureli. Take this section with appropriate scepticism and check it against the others.

Emma — iOS and Android, budgeting first

Emma has mature native apps on both platforms and is one of the better-known UK personal finance apps. The mobile experience is genuinely polished, with strong spending categorisation, subscription detection, and bill tracking. Open banking coverage of UK banks and credit cards is good.

The catch for net worth tracking is that Emma is a budgeting app with a net worth view stitched on top. The app is built around transactions, so connected current accounts and credit cards look right, but pensions, property, and other manual assets sit awkwardly next to them. If most of your wealth is in a SIPP and your house, the totals never quite feel like they were built for you, because they were not.

Best for. People who want budgeting and spending control as the main job on their phone, with a basic net worth figure alongside.

Snoop — iOS and Android, free

Snoop is free, well designed, UK-native, and available as a proper app on both platforms. It is aimed squarely at day-to-day money management: spending insights, bill-switching prompts, and a clean mobile experience. If you mostly want to keep an eye on your bank accounts and outgoings from your phone, Snoop covers that ground well.

What it does not really do is net worth. Investments, pensions, and property are not first-class concepts, and there is no proper assets-and-liabilities view of total wealth. Anyone who wants the wealth side will find it a step short.

Best for. Casual users who mainly want spending visibility on mobile and are not bothered about a full net worth picture.

PocketSmith — iOS app, forecasting strength

PocketSmith is a long-running New Zealand product with a distinctive focus on cash flow forecasting. It has an iOS app, with Android users working through the responsive web app rather than a dedicated Play Store release. Multi-currency is genuine and GBP works as a base currency.

The forecasting — projecting where your balances land in 6, 12, or 24 months — is the best in this group and the closest thing to old Moneyhub's planning view. The trade-offs are that it is not UK-focused, UK bank feeds go through third parties and have historically been patchy, and the interface feels older than newer rivals.

Best for. Forward planners who care more about where their accounts are heading than a polished phone app, and who do not mind some manual entry for UK accounts.

Kubera — powerful, but no true native app

Kubera is a feature-rich net worth tracker aimed at complex, international portfolios: crypto, private equity, collectibles, overseas property. UK accounts connect via Salt Edge with solid coverage. It is one of the few tools here that takes net worth seriously rather than treating it as a budgeting add-on.

The mobile caveat is significant though: Kubera is a responsive web app, not a dedicated App Store or Google Play download. It works in a mobile browser, but you do not get a home-screen app, biometric unlock, or push notifications. At $249/year with no free tier, it is also the most expensive option here.

Best for. Higher-net-worth users with complex, multi-country portfolios who are happy working in a browser and can absorb the price.

Worth It — iOS and Android, manual only

Worth It is a simple, privacy-focused net worth tracker with native apps on both platforms. Everything is entered manually — there are no bank connections — which means nothing UK-specific is broken and nothing is shared with an aggregator. The design is clean and it is easy to use.

The flip side is that there is no automation at all: no open banking, no automatic stock or fund prices, and no real multi-currency conversion. You get balances and a chart, and you keep them current yourself.

Best for. People who want a simple, private, mobile-first tracker and are happy typing everything in.

Monarch, Empower, and Copilot — great apps, wrong country

These are the apps that dominate every "best net worth tracking app 2026" list you will find, and the source of most of the confusion. Monarch Money, Empower, and Copilot all have excellent native iOS and Android apps. None of them can connect a UK bank, ISA, or pension. They are built on US bank infrastructure, and no amount of polish changes that. If you live in the UK, they are not options no matter how often they top the charts.

Best for. US users. Worth knowing about only so you stop seeing them at the top of lists and wondering whether they work here. They do not.

A word on the year-stamped "2026 apps" lists

A lot of what ranks for "best net worth tracking apps 2026" is the same recycled listicle with a new number on the front, often heavy on US apps and light on whether any of it works from a UK phone. The year in the title rarely means the content was rechecked. Before you install anything, the only test that matters is whether it can handle your actual accounts: UK banks, GBP as a base currency, and your ISAs, SIPPs, and property. An app that nails all of that and looks plain beats a beautiful app that cannot see your money.

How to choose

If you are on an iPhone and want a focused net worth app that understands UK accounts, that is exactly what we built the Aureli app to be. If budgeting and spending control are your priority on either platform, Emma or free Snoop will suit you better. If forecasting is the point, PocketSmith leads. If your portfolio is complex and international and you do not mind a browser, Kubera is the most capable. And if you want something simple, private, and entirely manual, Worth It does that on both platforms.

If you have landed here because Moneyhub is closing in August 2026, the same advice applies: decide first whether you want a wealth tracker or a budgeting app, then pick the one above that fits. You can compare plans on the pricing page and see the full feature set on the features page.

Whichever you choose, the habit matters more than the app. A monthly check-in on a simple tracker beats a beautiful app you abandon after a fortnight. The best net worth app is the one you will still be opening in three years.

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Want a UK-native net worth app for iPhone? Aureli is free to get started, on the web and the App Store.