What are you actually worth?

You have stocks, a 401(k), some crypto, a house, and that 2011 Honda Civic that just won’t die. But what’s the grand total? What’s it all worth, right now?

If you’re still dumping numbers into a spreadsheet every month, you’re flying blind. The only way to know for sure is with a single dashboard—an app that connects to everything you own and gives you a real-time net worth. No more logging into ten different accounts.

An app gives you a clear, immediate picture of your entire financial life. Some are free and some are paid, but they all solve the same problem: they help you stop guessing and start knowing.

It's not just stocks anymore

A decade ago, you could get by just watching your brokerage account. That world is gone. A modern asset tracker has to pull in everything.

• The basics: Stocks, ETFs, mutual funds.
• Retirement accounts: Your 401(k)s, IRAs, and accounts from old jobs you forgot about.
• Crypto & NFTs: It has to connect to exchanges and wallets for a live look.
• Real estate: Your house, any rental properties, a plot of land.
• Vehicles: Cars, boats, the motorcycle you bought on a whim. It all counts.
• Weird stuff: Collectibles, art, private equity, a stake in a friend's startup.

You can't make smart decisions when you're only looking at a corner of the picture. You have to see all of it.

The Big Two: Empower and Kubera

For most people, it comes down to two apps: Empower (which used to be Personal Capital) and Kubera.

Empower is the best free option out there. Period. It’s been the default choice for years for a reason. It connects to your banks, credit cards, investment portfolios, and retirement funds, then automatically updates your net worth. The retirement planner and fee analyzer are what make it great—it shows you exactly how much you’re losing to fees over time. For something that costs nothing, it’s fantastic.

Kubera is for people who own a lot of different things. It isn’t free, but it tracks a much wider range of assets, like crypto, domain names, and cars. If you have a lot of money in alternative assets or international investments, Kubera is probably the right fit. It’s built for people who need to see everything from their stock portfolio to their DeFi assets in one clean dashboard.

Other apps to check out

While Empower and Kubera are the big names, a few others are good for certain things.

• Monarch Money: A great all-in-one app if you want to track your budget and your investments together. The investment analysis isn't as deep as Empower's, but the budgeting tools are excellent.
• Delta: If you're deep into crypto, Delta is a good choice. It tracks crypto, NFTs, and stocks, giving you a full picture if your portfolio is heavy on digital assets.
• Snowball Analytics: For dividend investors. It shows you a lot about your portfolio's performance, dividend income, and what you can expect in the future.

This is more than just a number

Tracking your net worth isn't about bragging rights. It's about knowing where you stand.

When you see all your assets in one place, you start to see things differently. You see where you have too much risk in one place. You see what's actually working and what's just dragging you down.

It’s about managing what you measure. The simple act of checking in makes you more likely to hit your goals.

So pick one. Connect your accounts. Get a real, honest look at your entire financial world for the first time.