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We Compiled the Top 8 Net Worth Trackers to Keep Track of Your Wealth
Hoxton Blog • We Compiled the Top 8 Net Worth Trackers to Keep Track of Your Wealth
Tracking your overall financial position is essential when assets and liabilities span multiple providers and jurisdictions. The right tools can simplify oversight, highlight gaps, and support better decisions.
This article explains what to look for, how to use trackers effectively, and explores leading options designed for UK expats and internationally mobile investors, guiding you through the rest of the blog.
What is a Net Worth Tracker and How Does it Work?
Net worth is the value of everything you own minus everything you owe. It includes cash, investments, pensions, property, business interests, and debts such as mortgages and loans.
A net worth tracker app connects to your bank and investment accounts, lets you add properties and other assets, and subtracts liabilities to show your total wealth in real time.
Many tools now offer account aggregation, automatic updates, multi-currency support, and visual dashboards, which make it easier to see trends and spot issues quickly.
Why Use a Net Worth Tracker App?
Tracking net worth brings several benefits:
- Better Financial Decisions
You can see how saving, investing, or borrowing changes your overall position over time, not just account by account. - Clear Goal Setting
A net worth view helps you set realistic targets for financial independence, retirement, or family goals and track progress against them. - Visibility Across Countries
For expats, multi-currency and multi-asset tracking reduces the risk of ignoring accounts or misjudging how much you really have. - Early Warning Signals
Seeing debt, cash reserves, and investment balances together can highlight when risk is creeping up or when you are too concentrated in one area. - Easier Planning Conversations
Sharing a clear, up-to-date picture with a planner or adviser makes discussions about investment management, retirement planning, and estate planning more productive.
8 Best Net Worth Tracker Apps to Consider
Quick Comparison Table
|
App Name |
Primary Focus |
Target Audience |
Multi Asset / Multi Currency Support |
Pricing Structure |
|
Hoxton Wealth |
Holistic wealth and retirement view |
UK and global expats with cross-border assets |
Bank, investments, property, vehicles, custom assets, multi-currency |
Free core app; planning services fee-based |
|
Mint |
Budgeting and simple net worth |
Budget-focused users, mainly U.S.-based |
Bank, cards, some investments; limited non-U.S. and pension support |
Free, ad-supported |
|
Kubera |
High net worth and international |
Global investors, complex portfolios |
Crypto, real estate, global banks, alt assets, 100+ currencies |
Paid subscription, with trial |
|
Simplifi |
Everyday cash flow and net worth |
Users wanting clear tracking at a low cost |
Bank, loans, investments; U.S.-centric, some multi asset support |
Monthly or annual subscription |
|
PocketSmith |
Forecasting and “what if” planning |
Users with variable income, planners, and expats |
Multi-currency, bank, credit, investments; strong future projections |
Tiered subscriptions |
|
Tiller Money |
Spreadsheet-based tracking |
Spreadsheet users who want automation |
Bank and card feeds into custom sheets; net worth templates |
Flat monthly or annual fee |
|
Betterment |
Robo investing with tracking |
U.S. residents wanting managed portfolios |
Accounts held at Betterment; some external account linking |
Percentage of assets under management |
|
YNAB |
Budgeting first, net worth second |
Users who want strict budgeting with visibility |
Tracks net worth via accounts and budgeting; not investment-heavy |
Subscription after free trial |
Hoxton Wealth
Hoxton Wealth combines a modern net worth tracker with retirement and wealth planning tools built for international and cross-border investors.
The app connects to thousands of financial institutions and allows users to add property, vehicles, business interests, and other custom assets, giving UK expats a clear view of wealth across countries and currencies.
The dashboard shows net worth, asset allocation, and trends, while the WealthFlow feature models future scenarios such as retirement dates and income targets.
This makes it easier to see both where you are and where you are heading, and to link that picture to tailored planning with Hoxton Wealth if you choose to work with an adviser.
Key Features
- Real-time net worth dashboard aggregating bank accounts, investments, properties, vehicles, and custom assets.
- Multi-currency support with live FX conversion and the ability to set a base currency for UK expats managing assets abroad.
- Asset performance tracking for portfolios, including stocks, funds, and crypto, with in-depth analytics.
- Wealthflow scenario modelling to project routes to financial independence and test “what if” decisions.
- Secure vault for documents and structured data sharing to support estate and succession planning discussions.
- Direct link to Hoxton Wealth planning services for investment management, retirement planning, and estate planning if you want regulated advice.
Pricing
The core Hoxton Wealth app, including net worth tracking and basic planning tools, is free for users.
Fees apply if you choose ongoing wealth management, retirement planning, or estate planning services, typically agreed as a transparent percentage of assets under advice or a fixed planning fee.
Pros
- Built for international and expat users, including UK residents and non-residents with assets across multiple jurisdictions.
- Strong multi-asset and multi-currency coverage, including property, vehicles, private assets, and global accounts.
- Integrated retirement and estate planning support via Hoxton Wealth services.
- Clear, user-friendly interface on web and mobile.
- Good fit for users who want tracking and strategic planning in one place.
Minor Watchpoint
- Some of the more advanced Wealthflow and planning tools benefit from a short walkthrough, especially if you are new to cross-border planning.
Key Features
- Automated budgeting and expense categorisation.
- Account balance and bill tracking with alerts.
- Simple net worth summary based on connected accounts.
- Basic goal tools for paying down debt or saving.
Pricing
Mint’s core functionality is free, supported by in-app product offers and adverts. There may be optional paid add-ons, but many users rely only on the free version.
Pros
- Easy to set up and use, ideal for beginners.
- Helpful for day-to-day budgeting and cash flow awareness.
- Free, with no upfront subscription.
Cons
- Primarily US-focused, with limited support for UK pensions or more complex international holdings.
- Net worth features are quite basic compared with specialist tools.
Kubera
Kubera is a premium net worth and wealth tracking platform aimed at high-net-worth and global investors who want to track a wide range of assets in detail.
It aggregates accounts from thousands of institutions, supports over 100 currencies, and allows manual tracking of assets such as private company shares, collectibles, and crypto.
Kubera also includes tools for estate planning, such as a “dead man’s switch” that can pass account information to a trusted contact if you become inactive, which can support wider estate and succession plans.
Key Features
- Global multi-currency support with real-time FX conversion.
- Deep crypto and alternative asset tracking, including wallets and exchanges.
- Broad account aggregation across global banks and brokers.
- Estate management features to help ensure assets are not lost or forgotten.
Pricing
Kubera operates on a paid subscription model, often with a low-cost trial for the first period and then a recurring monthly or annual fee. Pricing is positioned for users with more complex portfolios who value advanced tracking.
Pros
- Very strong for international and multi-asset portfolios.
- Good fit for users with crypto, private investments, and complex holdings.
- Estate planning features complement formal estate planning work.
Cons
- Subscription cost is higher than that of basic apps, reflecting its target audience.
- Less focused on day-to-day budgeting compared with some alternatives.
Key Features
- Real-time net worth report based on connected balances.
- Forward-looking cash flow and bill projection tools.
- Customisable reports and categories.
- Simple, clean interface on desktop and mobile.
Pricing
Simplifi charges a monthly or annual subscription that is relatively low compared to some competitors. Trials or promotional rates may be available.
Pros
- Strong balance between simplicity and capability.
- Helpful for users who want net worth and cash flow in one view.
- Affordable compared with some premium tools.
Cons
- Investment analysis is more limited than specialist platforms.
- Occasional mobile app issues are noted in some reviews.
PocketSmith
PocketSmith combines net worth tracking with forward-looking forecasting and scenario planning, which appeals to users with variable income and expats planning future moves.
It uses a calendar-based system to show how your finances may evolve over months and years and includes a dedicated net worth page with historical charts and reports.
PocketSmith also offers multi-currency support, which is useful for UK expats with income, assets, or spending in more than one currency.
Key Features
- Net worth tracking with historical and projected views.
- Calendar-based cash flow forecasting.
- “What if” scenario planning for major life events, such as buying property or changing jobs.
- Multi-currency support for international users.
Pricing
PocketSmith uses a tiered subscription model, with basic, premium, and higher plans that unlock more accounts and longer forecasting horizons.
Pros
- Excellent for users who want to see the future impact of decisions.
- Useful for expats with irregular income or multiple moves.
- Strong multi-currency tools.
Cons
- Interface and features may feel complex at first.
- Some setup time is needed to get the best from forecasting.
Tiller Money
Tiller Money connects your bank and card accounts to Google Sheets or Excel and feeds transactions and balances directly into customisable templates.
One of its standard templates includes a net worth tracker that updates automatically as data syncs, which suits users who like spreadsheets but want automation.
This flexibility appeals to detail-oriented users and those who want to design their own dashboards rather than fit into a fixed app layout.
Key Features
- Automated data feed from banks into spreadsheets.
- Customisable net worth and budgeting templates.
- Ability to build bespoke dashboards for specific goals.
- Strong community and template ecosystem.
Pricing
Tiller charges a simple subscription fee, typically monthly or annually, with a trial period for new users.
Pros
- Very flexible for spreadsheet users.
- Great for custom net worth reports and analysis.
- Works well for users who want full control over layout.
Cons
- Less appealing if you do not like spreadsheets.
- No standalone mobile app interface beyond Sheets apps.
Betterment
Betterment is a U.S.-based robo-adviser that manages investment portfolios and includes tools to track goals, net worth, and progress toward retirement. Users can view investment balances, cash, and some external accounts on a single dashboard and see projections based on their risk profile and contributions.
It is mainly suited to US residents but may appeal to UK expats who still have U.S. investment accounts and want managed portfolios with simple tracking.
Key Features
- Managed investment portfolios with automatic rebalancing.
- Goal-based dashboards for retirement and other targets.
- Net worth views including Betterment accounts and some external balances.
- Tax-focused features, such as tax loss harvesting for eligible users.
Pricing
Betterment charges a percentage of assets under management, with tiers for digital-only and premium advice levels.
Pros
- Good combination of investing and tracking for U.S. accounts.
- Simple tools for goal setting and progress monitoring.
- Suitable for users who want less hands-on management.
Cons
- Primarily a U.S. product, with limited relevance for purely UK-based portfolios.
- Net worth coverage is narrower if you hold many external assets.
You Need A Budget (YNAB)
YNAB is a budgeting app that also tracks net worth across connected accounts, driven by its “give every pound a job” approach. Users link bank and credit accounts, assign money to categories, and can see how their net worth changes as they follow their plan.
It is best for people who want disciplined budgeting as the foundation of wealth building and who like a structured, rule-based method.
Key Features
- Category based budgeting with strong education and coaching.
- Net worth charts that show changes over time.
- Multi-platform support with sync across devices.
- Robust community and training resources.
Pricing
YNAB operates on a subscription model with a free trial followed by monthly or annual fees.
Pros
- Excellent for building consistent saving habits.
- Net worth tracking is tied directly to budget behaviour.
- Strong support and learning materials.
Cons
- Focus is on budgeting; investment and multi-asset analysis are limited.
- Requires commitment to the method to see full benefits.
How to Choose the Best Net Worth Tracker for Your Needs
When picking a net worth tracker as a UK expat, consider:
- Ease Of Use
Choose an interface you will actually use regularly, whether that is an app, web dashboard, or spreadsheet based tool. - Features
Check whether it supports the asset types you hold, including pensions, property, business interests, and crypto. - Security
Look for bank-level encryption, read-only connections, and clear data privacy information. - Cost
Balance subscription costs against the value you gain. Free tools may be enough for simple needs, while complex portfolios may justify paid platforms. - Compatibility
Ensure it supports your key institutions and currencies, especially if you hold accounts in the UK and abroad. - Alignment With Your Goals
If you care most about retirement and long-term planning, a tool like Hoxton Wealth that integrates net worth tracking with retirement modelling and estate planning may fit better than a pure budgeting app.
Conclusion and Next Steps
Net worth tracker apps give UK expats and international investors a clear, up-to-date picture of their wealth across accounts, countries, and currencies.
Tools like Kubera, PocketSmith, and Tiller offer strong specialist features, while Mint, Simplifi, Betterment, and YNAB appeal to users who want simple tracking linked to budgeting or robo investing.
For expats who want both powerful net worth tracking and integrated planning, the Hoxton Wealth app adds retirement modelling, multi-currency views, and direct links to regulated advice on investment management, retirement savings strategies, and estate planning.
If you are ready to bring all your assets into one view and connect that to a broader plan, you can download the Hoxton Wealth app or contact Hoxton Wealth to discuss your position and next steps.
FAQs
Can I track my investments and debts with a net worth tracker?
Yes. Most net worth apps connect to investment accounts and allow you to enter debts such as mortgages, loans, and credit cards, so you can see both sides of your balance sheet. Many also support manual entries for assets or liabilities that cannot be connected directly.
Is Hoxton Wealth suitable for beginners?
The Hoxton Wealth app is designed to be simple enough for new users yet detailed enough for experienced investors, with a clean dashboard and guided setup. Beginners can start with basic net worth tracking and add more features over time, with the option to speak to planners if they want advice.
What makes Hoxton Wealth different from other net worth trackers?
Hoxton Wealth focuses on cross-border users, with strong multi-currency support, wide asset coverage, and integrated retirement and estate planning tools. It also links directly to Hoxton Wealth’s regulated advice services for investment management and retirement planning, so tracking and strategy sit together.
How secure is a net worth tracking app?
Reputable apps use encryption, secure APIs, and read-only connections to banks and brokers, and they do not store login details in plain text. It is still important to enable two-factor authentication and review each provider’s security and privacy policies.
Can I track my net worth in multiple currencies?
Many modern tools, including Hoxton Wealth, Kubera, and PocketSmith, support multi-currency tracking and let you choose a base currency. This is particularly helpful for UK expats with income and assets in sterling, euros, dollars, and other currencies.
How Can We Help You?
If you would like to speak to one of our advisers, please get in touch today.
Contact Hoxton Wealth
We are available to discuss how Hoxton Wealth can help you achieve your financial goals. Together, we can help you build a brighter financial future.
