The Best Free Net Worth Tracker in 2026

“Free” Is Doing a Lot of Work on These Pricing Pages

Open ten net worth apps in 2026 and nine of them have a price marked $0 somewhere on the homepage. Then read the second paragraph. One is free if you live in the United States and don’t mind a wealth-management advisor offering to talk about your linked 401(k). Another gives you a fourteen-day trial, after which it is $250 per year. A third is free for up to ten holdings, which is roughly the point at which net worth tracking starts to be useful. A fourth is fully free if you self-host it on a server you maintain, which is a definition of “free” that has historically been very popular with Linux users and very unpopular with everyone else.

There is also a small group of apps where “free” means: open it, use it, keep using it, never pay if you don’t want to. This guide is about that group — and which one is actually worth your time in 2026.

TrackMyStack is a private net worth and portfolio tracker that works without linking any financial accounts. The free tier is permanent, has no holding cap, and is the version of the app you can quietly use forever. It’s also the easiest answer to “what’s the best free net worth tracker?”, which is why we’re starting there and then explaining where the alternatives genuinely beat it.

What “Free” Should Actually Mean

Before the list, a quick filter. A free net worth tracker is only useful if all of these are true:

You can keep using it. Not free for 14 days. Not free until you cross some arbitrary holding cap that everyone crosses. Not free in beta.
The free tier is the product. Not a stripped demo with a banner asking you to upgrade on every screen.
You aren’t the product. Not free because your linked accounts qualify you as a sales lead for advisors. Not free because the app sells anonymised transaction data to “research partners.”
You can leave with your data. Export your data on the way out, or it wasn’t really yours.

Apps that fail one of those tests aren’t necessarily bad — they’re just not free in the sense most people mean when they search for a free net worth tracker. Where they earn a place below, it’s because they win clearly on a specific use case.

Quick Comparison

App	Genuinely free?	Free tier limits	Account linking	Best for
TrackMyStack	Yes	No holding cap; Premium adds live prices and deeper analysis	None — manual entry or file import, automatic prices	Private, whole-net-worth tracking on iPhone, Android, and web
Empower (Personal Capital)	Yes, with caveats	US phone number and US institutions only; expect advisor outreach	Built around linking (manual accounts possible)	US households who want a free linked dashboard and don’t mind sales calls
Sharesight	Free up to 10 holdings	Hard cap (closed positions count); no tax reports on free	None for banks — broker emails, files, some direct broker connections	Small investment-only portfolios that fit under the cap
Ghostfolio	Basic cloud plan free; everything free if you self-host	Basic cloud skips allocations and benchmarks; self-hosting means maintaining a server	None	Open-source enthusiasts, especially ones who already run a homelab
Spreadsheet (Sheets / Excel)	Yes	n/a	None	DIYers who genuinely enjoy maintaining formulas
Yahoo Finance / brokerage app	Yes	Securities only	Brokerage-only	Single-broker investors who don’t want a real net worth view

Not on the list: Mint (shut down in 2024), Monarch (no free tier — paid only after the trial), Kubera (no free tier, $250/year minimum as of October 2026), Copilot Money (paid), Quicken Simplifi (paid), Rocket Money (free tier exists, but net worth tracking is a Premium feature). Where these are relevant for other reasons, we have dedicated comparisons; for free, they don’t qualify.

1. TrackMyStack — Best Free Net Worth Tracker, And It’s Not Especially Close

TrackMyStack is a net worth and portfolio tracker built around the assumption that the free tier should be the product, not a demo. You open the app, add your assets, and you’re tracking your net worth within a minute. There is no sign-up, no email, no phone number, and no Google login wall sitting between you and the feature you wanted to try.

What the free tier actually includes:

No holding cap. No 10-holding ceiling, and you can split your money across several portfolios — ISA, pension, property, crypto, whatever makes sense.
End-of-day prices for stocks, ETFs, funds, crypto, and precious metals, updated automatically after the market closes. (You enter the holdings; the prices come in on their own.)
Dividend history. Dividends you’ve actually been paid, with a monthly and yearly chart and your yield.
Allocation analysis by portfolio, asset, and currency.
Multi-currency portfolios. Each portfolio can run in its own currency, and your net worth is shown in your home currency.
Whole net worth, not just investments. Stocks, ETFs, crypto, cash, bank accounts, property, pensions, cars, valuables, loans, and mortgages — assets and liabilities together, in one number. A house and its mortgage can sit together as one holding showing the net value.
The full net worth chart, from one week to the full history, plus a custom range.
A retirement planner and a goal. The Monte Carlo retirement planner (“When can I retire?”, “How much can I spend?”) is free, and so is one goal.
Sync between phone and web. Your data syncs securely between your devices, and the account is anonymous, with no name or email required.
Face ID / fingerprint / PIN lock.
Import and export. Import holdings or transaction history from a CSV, Excel, or PDF statement or screenshots (read by AI, in beta); export to JSON or Excel. The “you can leave any time” test, passed on day one.

Premium is an optional subscription with a one-week free trial. It adds live prices where available, upcoming dividends, allocation by asset type, sector, and region, full performance details, and more than one goal. None of those are required for the free tier to be useful — they’re upgrades, not unlock keys.

TrackMyStack is the best choice for anyone who wants a private, no-signup net worth tracker that’s free in the long-term sense — the core tracking (holdings, prices, net worth history) isn’t behind the paywall.

Skip if you want budgeting and expense categorisation. TrackMyStack tracks net worth and investments; it isn’t a transaction-based budgeting app.

2. Empower (Personal Capital) — Free, US, And You Will Get the Phone Call

Empower is the rebranded Personal Capital. The dashboard part — net worth, retirement planner, portfolio analysis — is genuinely free. There is no monthly subscription. The catch is that it’s free in the sense that it’s a marketing funnel for Empower’s wealth-management business: eligible users are offered a free consultation with an Empower advisor, and that conversation can lead to an offer to enroll in its paid advisory service. That isn’t hidden; it’s the business model.

It is also US-only in any meaningful sense. You need a US phone number to sign up, and it only links US financial institutions; anything abroad has to be added as a manual account and updated by hand.

Pricing: Free dashboard. Wealth management is paid, separately, and you’ll be invited to it.
Best for: US households who want a linked dashboard at $0, are happy with account aggregation, and don’t mind the advisor outreach.
Skip if: You’re outside the US, you don’t want to link accounts, or you’d rather not be on a sales-call list.

For the full version, see Empower vs TrackMyStack.

3. Sharesight — Free Up to 10 Holdings

Sharesight is a portfolio tracker focused on investments, dividends, and tax reporting. The free plan covers one portfolio and up to 10 holdings, and closed positions count toward the limit. Above that, it scales by paid plan.

For some people the free plan is genuinely enough — a single ETF portfolio, a small dividend portfolio, an experimental account. Dividends and corporate actions are tracked automatically on every plan, which is the part people tend to love. Tax reports, though, start on the paid plans; the free plan has none. Sharesight doesn’t link to your bank in the bank-credentials sense: it imports trades from broker confirmation emails, spreadsheets, or, for some brokers, a direct connection.

The thing to be honest about: most people hit ten holdings sooner than they expect. A core/satellite portfolio with index ETFs, a few sector picks, and one or two crypto positions is already past the cap.

Pricing: Free up to 10 holdings; paid plans above that, scaling with holdings and portfolios.
Best for: Small, investments-only portfolios that genuinely fit under 10 holdings, where automatic dividend tracking is the main thing you need.
Skip if: You expect to grow past 10 holdings, you need tax reports without paying, you want to track real estate / cash / loans in the same place, or you want a single net-worth number.

For the full version, see Sharesight vs TrackMyStack.

4. Ghostfolio — Free Basic Cloud, Fully Free If Your Time Is Free

Ghostfolio is an open-source portfolio tracker. The hosted version has a free Basic plan with unlimited transactions and accounts, performance, and import/export; allocations, benchmarks, and the FIRE calculator are on Premium ($48 a year as of October 2026). The self-hosted version includes those features for free, in the sense that the source code is free and you can run it on a server you already own.

If you already have a homelab, you’ve used Docker Compose without resentment, and you maintain a Postgres container or two for fun, this is a great option. The product is solid, the community is active, and you genuinely own the whole stack.

For everyone else, the maintenance overhead is the cost. An app on your phone is less work than a server you forget to update for six months.

Pricing: Basic cloud plan free; full features free if self-hosted (server costs and your time excluded); Premium cloud $48/year.
Best for: Open-source advocates and self-hosters who want full control.
Skip if: You don’t want to run a server, you want phone apps with home-screen widgets, or you want non-investment assets tracked at the same depth as investments.

5. A Spreadsheet — The Honest DIY Baseline

A Google Sheet with GOOGLEFINANCE() is still the most genuinely free net worth tracker, and it’s still what a surprising number of people use. Zero recurring cost, no tracker company in the middle (the sheet does live on Google’s servers), and you can do anything you can express in formulas. Excel can do something similar with its Stocks data type and STOCKHISTORY, but STOCKHISTORY requires a qualifying Microsoft 365 subscription; if you already pay for one, it costs nothing extra, and a local workbook stays on your machine.

What you give up is the part that turns a list of numbers into a tracker: history without manually snapshotting, dividends without a side ledger, multi-currency without a small VLOOKUP project, charts that don’t break when someone reorders a column, and a mobile experience that doesn’t make you cry on a phone screen.

If you genuinely enjoy maintaining the formulas, this is fine. For many people it lasts a year or two before they quietly install an app. The longer-form argument is in Different Ways to Track Your Net Worth.

6. Your Brokerage App or Yahoo Finance — Free, But Not a Net Worth Tracker

People sometimes count their brokerage’s portfolio screen, or a Yahoo Finance / Google Finance portfolio, as a free net worth tracker. They aren’t, and it’s worth being explicit about why.

A brokerage app shows the assets at that brokerage. If your money lives in two brokers, a pension provider, a crypto exchange, and a savings account, you have four logins and no consolidated view.
Yahoo Finance and similar are built around securities. Yahoo will even record your purchase lots and the price you paid, but it won’t hold your house or your mortgage.

Useful for a quick price check. Not a net worth tracker.

What About Mint, Monarch, and Kubera?

Quick answer for completeness:

Mint shut down in 2024. It is not a free option in 2026; Intuit moved Mint users to Credit Karma, which tracks net worth from accounts you link. See The Best Mint Alternatives in 2026.
Monarch Money has no free tier — a 7-day trial, then $14.99/month or $99.99/year (as of October 2026), and it’s available only in the US and Canada.
Kubera has no free tier: a 14-day trial, then plans from $250/year (as of October 2026). Whatever else it is, it isn’t free.

If you found this article because a “free Mint alternative” search sent you here: TrackMyStack is the privacy-first net worth replacement, Empower is the closest thing to a free linked dashboard if you’re in the US, and Monarch is the closest like-for-like if you don’t mind paying.

How to Pick

Match the app to what you actually want for $0:

“Private, whole-net-worth, on my phone, no signup, free forever.” → TrackMyStack.
“I’m in the US and I want a free linked dashboard, advisor calls included.” → Empower.
“I have under ten holdings and I want my dividends tracked automatically.” → Sharesight free plan.
“I run a homelab and I want to own the stack.” → Self-hosted Ghostfolio.
“I want to maintain the formulas myself.” → Google Sheets or Excel.
“I just want to glance at my brokerage.” → Your brokerage app. That isn’t a net worth tracker, but it’s free and on your phone.

If you’re comparing the free tiers themselves, the practical question is whether the cap will affect you. Empower is free indefinitely but US-only and aggregation-based. Sharesight is free until your eleventh holding. TrackMyStack is free without a holding cap, without a sign-up, and without a third party storing your bank credentials. For most readers of “best free net worth tracker,” that’s the one.

Frequently Asked Questions

What is the best free net worth tracker in 2026? TrackMyStack. It’s a private net worth and portfolio tracker with a free tier that has no holding cap — end-of-day prices for stocks, ETFs, funds, and crypto, dividend history, multi-currency portfolios, the retirement planner, import/export, biometric lock, and encrypted sync between phone and web. No sign-up, no advisor calls.

Is there a truly free net worth tracker, or is “free” always a trial? Truly free options exist. TrackMyStack’s free tier has no time limit and no holding cap. Empower’s dashboard is free indefinitely (US-only, with advisor outreach). Sharesight is free up to 10 holdings. Ghostfolio has a free Basic cloud plan and is fully free if you self-host. A spreadsheet is free if you maintain it. Most other “free” trackers are either paid-only with a trial (Monarch, Kubera) or shut down (Mint).

What’s the catch with free net worth trackers? Each model has a different one. Linked dashboards are usually free because your accounts qualify you as an advisor lead. Holding-capped trackers convert you when you grow past the cap. Self-hosted options are free in software but cost time. Manual-entry apps like TrackMyStack ask you to add your holdings yourself (or import a statement); in exchange, your bank credentials never leave your bank.

Is TrackMyStack actually free, or is it a free trial? Free, with no time limit. The free tier covers your holdings and portfolios, end-of-day prices, dividend history, allocation by portfolio, asset, and currency, multi-currency portfolios, the retirement planner, biometric lock, encrypted sync, and import/export. Premium is optional (with a one-week free trial) and adds live prices where available, upcoming dividends, deeper allocation and performance analysis, and more goals. The free version is the product.

What’s the best free Mint alternative for net worth? TrackMyStack for privacy-first, manual-entry net worth tracking with no sign-up. Empower if you’re in the US and want a free linked dashboard and don’t mind aggregation. For budgeting specifically (which Mint also did), there is no free like-for-like replacement — Monarch is the closest paid one.

Can I track real estate, cash, and liabilities on a free net worth tracker? On TrackMyStack, yes — real estate, vehicles, loans, mortgages, cash, other manual assets, and liabilities all live in the same net worth view. Sharesight is investment-only, and Ghostfolio is built around investments (it can record cash accounts and liabilities, but not at the same depth). Empower covers them via account linking, where supported.

The Bottom Line

“Free” in net worth tracking has historically meant one of three things: a 14-day trial, a 10-holding cap, or a free dashboard that funds itself by selling you wealth-management services. None of those are bad businesses, but they’re also not the version of “free” most people are searching for.

TrackMyStack is the best choice for almost everyone in this category: free with no holding cap, no signup, on iPhone, Android, and the web, multi-currency, and built around the assumption that you should own your data. Empower wins if you specifically want a free linked dashboard in the US. Sharesight wins for tiny portfolios that want automatic dividend tracking. Ghostfolio wins for self-hosters. Spreadsheets win for the formula-curious.

Pick the one that matches the question you actually want answered. Then stop comparing trackers and start watching the number go up.