Best Net Worth Tracker Apps for the UK (2026)

Search "best net worth tracker" and you'll get a wall of American apps. Empower. Monarch Money. Copilot. Quicken Simplifi. They dominate every list, every review, every Reddit thread. Most of them don't work in the UK. Empower can't connect a single British bank. Monarch Money is US-only. The lists keep getting published, and UK users keep being left to piece together tools that weren't built for them.

This post is the UK-specific comparison we wish existed. We cover the tools that actually work for someone tracking ISAs, SIPPs, UK property, and GBP-denominated wealth, plus the popular US apps you'll keep seeing so you know why to skip them.

One upfront disclosure: we built Aureli, so we're not a neutral party. We've included it here because leaving it out would be odd, and we've tried to be as honest about our limitations as we are about everyone else's. Read this with appropriate scepticism and do your own comparison.

A note to the other tools mentioned here: pricing and features change, and we may have got something wrong or out of date. If you work at one of the companies covered and feel we haven't represented your product fairly, get in touch and we'll happily review and update the post.

What actually matters for a UK net worth tracker

Before getting into specific tools, here's what makes a net worth tracker useful for someone based in the UK:

• GBP as a first-class currency, not an afterthought bolted onto a US product
• UK bank and building society support, either via FCA-regulated open banking or clean manual entry
• ISA, SIPP, and workplace pension awareness — these are the biggest pots for most UK savers, and a tool that doesn't understand them will frustrate you quickly
• UK property handling — we don't have a Zillow equivalent, so property valuations have to be manual and easy to update
• Multi-currency support for global index funds, US stocks, crypto, or overseas pensions
• A clear focus on wealth, not spending — make sure the tool treats net worth as the main job, not a sidebar next to its budgeting features

With those criteria in mind, here's how the landscape looks today.

Net worth tracker vs budgeting app: know the difference

A lot of people search for a net worth tracker and end up with a budgeting app, then wonder why it doesn't feel right. The two things answer different questions:

• Budgeting apps (Emma, YNAB, Plum, Monzo's in-app tools) focus on transactions, spending categories, and monthly cash flow. They answer "where is my money going?"
• Net worth trackers focus on assets, debts, and total wealth over time. They answer "am I building wealth?"

Some tools try to do both. Most do one well and the other badly. If you're trying to understand whether your financial life is moving in the right direction over years, not weeks, you want a net worth tracker. If you're trying to stop overspending on takeaways, you want a budgeting app. For more on this distinction, see Net Worth vs Income.

This post is about net worth trackers.

Quick comparison

The detail on each is below.

The tools, reviewed honestly

Aureli

What it is. A UK-native net worth tracker built for people who want to see the whole picture: assets, debts, pensions, property, investments, without budgeting noise. Live market prices for stocks and ETFs. Multi-currency support with daily FX conversion. AI chat for asking questions about your own portfolio. Portfolio sharing for couples. MCP integration so Claude, ChatGPT, and other compatible AI assistants can work with your data.

Pricing. Free tier available. Pro is £7/month or £60/year in the UK ($10/month or $90/year elsewhere).

UK strengths. Built specifically for UK users. GBP is the default base currency. ISAs, SIPPs, workplace pensions, and property equity are first-class asset types rather than awkward workarounds. Multi-currency works properly: values are stored in their native currency and converted on the fly using daily rates (see How to Track Multiple Currencies in Your Portfolio). The focus throughout is on net worth as a single, clear number.

Limitations. It's a newer product with a smaller user base than the incumbents. Open banking is launching in 2026 via Finexer but isn't yet live. Until it is, UK bank balances need manual updates, which for most people means once a month. There's no native iOS or Android app yet; the web app works on phones but isn't a native app. By design, there's no transaction tracking or spending categorisation. If you want budgeting, you'll need something else alongside it.

Best for. UK users who want a focused net worth dashboard without budgeting features, are comfortable updating balances monthly, and want proper handling of UK-specific asset types.

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

Emma

What it is. One of the largest UK personal finance apps, focused primarily on budgeting. Open banking connected, strong on spending tracking, subscription management, and bill detection. A net worth view is included but treated as a secondary feature.

Pricing. Free tier available. Paid plans from around £5/month.

UK strengths. UK-native, FCA-regulated open banking, well-known in UK personal finance circles. Good coverage of UK banks and credit cards. If you want budgeting and a basic net worth figure in the same app, Emma does both.

Limitations. Budgeting comes first, net worth comes second. The net worth view aggregates connected account balances but isn't built for the bigger picture. Manual assets like property valuations, private pensions you can't connect, or overseas holdings are possible but not elegant. If your wealth is mostly in connected current accounts and credit cards, it works fine. If it's mostly in pensions and property, it's a stretch.

Best for. UK users whose primary interest is budgeting and day-to-day spending control, who want a basic net worth view alongside it.

Kubera

What it is. An international net worth tracker aimed at people with complex portfolios: crypto, private equity, collectibles, multiple currencies, overseas property. Feature-rich and well designed.

Pricing. $249/year. No monthly option and no free tier. (Check kubera.com/pricing before subscribing as they've adjusted pricing before.)

UK compatibility. Good. Kubera connects UK accounts via Salt Edge, which gives solid coverage of UK banks and building societies. It doesn't have native ISA or SIPP account types, so you'll label those yourself, but the underlying connections work. Multi-currency support is strong.

Strengths. Probably the broadest asset coverage of any tracker here. Excellent for complex, international portfolios. A "dead man's switch" feature shares your data with a nominated person if you stop logging in, which is useful for estate planning. Interface is polished.

Limitations. Expensive, with no free tier to try before committing. No native understanding of UK tax-wrapped accounts like ISAs or SIPPs.

Best for. Higher-net-worth individuals with complex, multi-jurisdictional portfolios who want bank connectivity and can absorb the price.

Monarch Money

What it is. A well-designed US net worth and budgeting app with strong collaboration features for couples. Slick and comprehensive.

Pricing. $14.99/month or $99.99/year. No free tier.

UK compatibility. None. Monarch's bank connections are US-only. There is no way to connect a UK bank, ISA, or pension provider. We've included it because it dominates search results and UK users keep finding it at the top of lists wondering if it works here. It doesn't.

Best for. US users. Not a viable option for UK-based finances.

Empower (formerly Personal Capital)

What it is. A free US investment dashboard and net worth tracker with strong investment analysis tools: fee analyser, retirement planner, asset allocation breakdowns. Revenue comes from an advisory service targeting users with $100,000+ in assets.

Pricing. Free for the tracking tools.

UK compatibility. None. Empower cannot connect UK banks, UK brokerages, UK ISAs, or UK pensions. It tops almost every "best net worth tracker" article online, and none of it applies to you if you live in the UK.

Best for. US users with investment-heavy portfolios. Unusable from the UK.

PocketSmith

What it is. A New Zealand-based tool with a distinctive focus on cash flow forecasting, projecting what your accounts will look like in 6, 12, or 24 months. Multi-currency is built in. Does budgeting and net worth tracking in the same product.

Pricing. Free tier (limited). Premium from around $10/month. Super plan around $19/month.

UK compatibility. Partial. Multi-currency is genuine, GBP is supported as a base currency, and there's some UK bank connection coverage via third-party providers. No direct UK open banking, and bank feeds have historically been less reliable than direct connections. Manual entry works fine.

Strengths. The best cash flow forecasting in this category. Good for people who want to see where their accounts are headed, not just where they are today.

Limitations. Budgeting is the primary focus and the interface reflects that. Net worth tracking is solid but feels like a side view rather than the headline. UK bank connections can be patchy. The interface feels a bit dated compared to newer tools.

Best for. Forward planners who want cash flow projections alongside net worth tracking and are comfortable with some manual entry for UK accounts.

Spreadsheets (Google Sheets or Excel)

What it is. The DIY option. The r/UKPersonalFinance and r/FIREUK communities have built solid templates over the years: CompiledSanity, Mad Fientist's template, and various community spreadsheets. Google Sheets can pull live prices via

GOOGLEFINANCE()

formulas.

Pricing. Free.

UK compatibility. Perfect. You control everything, in whatever currencies and account types you want.

Strengths. Completely free. Total customisation. Full privacy, with no data shared with any third party. If you want a column, you add a column. Many good tracking habits start in a spreadsheet.

Limitations. Everything is manual. Live prices work for major stocks and indices but break down for funds, crypto, and anything obscure. No mobile experience worth mentioning. The biggest issue is abandonment: spreadsheet trackers have a high rate of being updated religiously for three months and then forgotten. If you know you'll maintain it, it's hard to beat. If you're honest that you probably won't, a tool that updates itself is a better choice.

Best for. People who want total control, are comfortable with formulas, and will genuinely commit to updating monthly.

Worth It

What it is. A simple, privacy-focused mobile net worth tracker. Manual entry only. Available on iOS and Android.

Pricing. Free, with an optional one-time premium purchase.

UK compatibility. Works in any currency. No bank connections means nothing UK-specific about it, but also nothing broken.

Strengths. Clean design. Very simple to use. Strong privacy: nothing is shared with banks or aggregators because nothing is connected. Works globally.

Limitations. Entirely manual. No automatic stock or fund price updates. No open banking. Limited to balances and a chart, with no multi-currency conversion or detailed asset breakdown.

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

What to look for when choosing

If you're weighing up the options, here are the things worth paying attention to for UK use:

UK bank and building society support. Decide whether you want automated open banking or are happy entering balances manually. Most tools sit somewhere in between. Manual entry gets a bad reputation, but updating a handful of balances a month takes about five minutes and sidesteps a lot of connection-reliability problems.

ISA and pension awareness. If a tool treats your SIPP the same as a generic investment account, it will still work. But it won't show you what proportion of your wealth is inside tax-advantaged wrappers, which for most UK savers is a meaningful view. See Why Your Pension Is Probably Your Biggest Asset.

Property equity tracking. UK property is often the largest asset on a household balance sheet. Make sure the tool handles a property value, a mortgage against it, and the resulting equity figure cleanly. More on why this matters in What Is Property Equity and Why It Matters.

Multi-currency handling. If you hold US stocks, overseas pensions, or crypto, check that the tool stores values in their native currency and converts using current rates rather than a fixed rate from when you added the asset. This is surprisingly often done badly.

GBP as base currency. Basic, but worth checking. A few US tools technically support GBP but treat it awkwardly.

Privacy and data handling. Open banking in the UK is FCA-regulated and provides real consumer protections, but it still means sharing account data with a third party. Manual-entry tools avoid that entirely. Neither is objectively better. It's a trade-off between convenience and data minimisation.

Whether the tool is actually a net worth tracker. If the headline feature is transaction categorisation and the net worth view is one tab buried in settings, that tool's priorities are different from yours. Pick accordingly.

The best tracker is the one you actually use

The tool matters less than the habit. A spreadsheet updated on the first of every month beats a paid app you abandon after two weeks. The best net worth tracker is the one you'll still be opening in three years.

Start with whichever tool in this list fits your situation, commit to updating it monthly, and change tools later if you outgrow it. Tracking your wealth is one of the most important financial habits you can build. The specific software is a rounding error compared to the habit itself.

If you're specifically looking for something built for UK wealth tracking — ISAs, SIPPs, property, multi-currency, no budgeting noise — that's exactly what we built Aureli to be. If you're not, one of the other options here will serve you well.

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Want a UK-native net worth tracker? Aureli is free to get started.