Tracking net worth is the cleanest way to see whether day-to-day decisions are building wealth or quietly draining it. When you include property values and loan balances, your net worth stops being a “checking account snapshot” and starts behaving like a real financial scoreboard.
You’re here for one practical outcome, pick an app that can handle real estate, mortgages, student loans, auto loans, and credit cards without turning your net worth chart into noise. This guide breaks down five strong options, what they do well, where they frustrate people, and how to set them up so the numbers stay believable and useful.
1. Monarch Money
Monarch Money is built for people who want a modern money dashboard that treats net worth as a first-class feature, not a side widget. You can pull in bank accounts, investments, credit cards, and loans, then layer in property values so the full balance sheet sits in one place. Monarch also pushes hard on reporting, letting you filter and view assets, liabilities, and net worth in ways that match how you actually review finances.
For property tracking, Monarch supports syncing home value through Zillow Zestimates, so your real estate asset can move without manual edits. Monarch’s help documentation also states Zillow valuations refresh automatically every Monday to check for updated Zestimate values, which matters when you want a steady cadence without babysitting the account. If you want to track vehicles too, Monarch supports VinAudit valuations on a monthly refresh cycle, which helps keep “big assets” from being forgotten in your net worth.
Where Monarch wins is usability and presentation. Where it can irritate you is when you expect property and mortgage to combine into a single “equity” tile in every view. In practice, you’ll often manage two lines, one real estate asset, one mortgage liability, and let the net worth math do the combining. That’s not wrong, but it does affect how your charts look if you don’t set filters thoughtfully.
Best fit: You want a premium-feeling app with strong net worth reporting, Zillow-based home value support, and enough flexibility to keep both “total net worth” and a cleaner “liquid net worth” view.
2. Empower Personal Dashboard
Empower Personal Dashboard is one of the most popular free options for net worth tracking because it delivers the core dashboard experience quickly. It’s designed to show a consolidated view of your accounts and give you a net worth number that updates as linked balances change. Empower’s support documentation describes a dashboard view with a Net Worth widget and short-term change tracking, which makes it easy to use as a recurring review tool.
For homeowners, Empower integrates with Zillow to retrieve home values. Their support guidance is direct: values update once a month per Zillow’s requirements, and the home must be publicly listed on Zillow for Empower to pull the value. If Zillow isn’t appropriate for your situation, Empower also allows switching off the Zestimate option and entering a manual home value instead.
The main reason to choose Empower is cost efficiency and speed. You can get a working net worth view without committing to a paid subscription. The trade-off is less control over how real estate and debt are presented compared with paid tools, plus the same general reality every aggregator has, some accounts sync cleanly, others need periodic attention.
Best fit: You want a free net worth dashboard that can include loans and optionally pull a Zillow home value on a monthly cadence.
3. Copilot Money
Copilot Money targets people who want a polished experience and strong tracking across accounts, with net worth front and center. Where Copilot stands out for this topic is its explicit real estate workflow. Copilot’s help center explains that you can add owned properties to track estimated value and connect a mortgage account to produce a home equity value using property estimate minus mortgage balance. That clarity reduces setup errors, because you know exactly what Copilot is trying to calculate.
Copilot supports multiple real estate valuation methods, including Zillow, Rentcast, and manual tracking. If you use Zillow, you enter a Zillow property URL to pull the Zestimate and related history when available. Copilot also states that Zillow values update once a month, typically at the beginning of each month, so you can set expectations correctly and avoid obsessing over daily changes that won’t appear in-app anyway.
Copilot is a strong pick when you care about presentation and a clean “wealth view” experience, and when your finances are compatible with the Apple ecosystem. The main operational point is staying realistic about update timing for property values, then choosing a valuation method you can live with. A Zestimate is convenient; it’s still an estimate, and your net worth quality depends on how you interpret it.
Best fit: You want a premium Apple-first finance app with clear home equity handling and flexible property valuation sources.
4. Quicken Simplifi
Quicken Simplifi is a practical choice when you want net worth tracking tied to classic personal finance workflows without overcomplication. It supports asset tracking as part of net worth, and its help documentation is blunt about the operational reality: with the exception of Zillow-linked properties, assets are tracked as manual accounts. That’s useful because it sets expectations, you’ll get reliable net worth math, but you may manage asset values yourself.
Simplifi explains that you add a manual asset account, give it a value, and it will be included in your net worth. Updating the value is also manual, you either add a transaction to reflect the value change or edit the opening balance transaction. That approach is “old-school,” yet it’s stable, because it avoids relying on external valuation feeds for everything.
Simplifi also acknowledges Zillow integration for real estate assets, positioning it as a convenient way to monitor property values and keep net worth current without manual entry. This hybrid model works well if you want Zillow for the primary home but still want manual control for rentals, land, or unique properties that don’t behave well in automated feeds.
Best fit: You want a straightforward net worth app where manual asset control is normal, with optional Zillow support for properties.
5. Tiller (Google Sheets Or Excel)
Tiller is the “control the model” option. Instead of trusting one app screen to interpret your finances perfectly, you build the net worth structure in a spreadsheet and let linked account feeds populate the core balances. That’s valuable when you have multiple properties, messy loans, or edge cases where apps disagree on categorization and you don’t want your net worth to swing because a connector mislabeled an account.
Tiller’s own guidance on tracking “true net worth” emphasizes adding manual accounts for real estate so your sheet doesn’t see only the mortgage debt and miss the home value. Their example shows why this matters: if the system only recognizes the mortgage, it can make your net worth look materially worse than reality; once you add the home as an asset, the equity becomes visible. They also describe a simple routine of updating home value periodically, including checking Zillow monthly to update the manual real estate value.
On the operational side, Tiller’s help content explains you can review balances in a Balances sheet, get a net worth total, and organize accounts as assets and liabilities. It’s a system you can keep clean for years if you prefer stable tracking over “pretty app charts.”
Best fit: You want maximum control, clean accounting logic, and resilience when apps and connections get flaky.
Best App To Track Net Worth With Property And Loans
- Best all-around: Monarch Money
- Best free: Empower Personal Dashboard
- Best Apple-first: Copilot Money
- Best manual control: Tiller, Quicken Simplifi
Pick One, Configure It Once, Then Review Monthly
The right net worth app is the one you keep using after the novelty wears off. If you want automation with modern reporting, Monarch is built for it, and Zillow-based property syncing can keep real estate from going stale. If cost is the main constraint, Empower delivers a usable dashboard quickly and can pull a Zillow home value on a monthly cadence for eligible properties. If you care about an Apple-first experience and clear equity handling, Copilot’s real estate plus mortgage workflow is easy to understand and maintain. If you want fewer moving parts and more manual certainty, Simplifi and Tiller give you durable tracking that won’t crumble when a connector misbehaves.
References
- Monarch Money Help: Tracking Property, Vehicles, And Valuables
- Monarch Money: Track Your Net Worth
- Empower Support: Dashboard Overview
- Empower Support: Add Home Value (Zillow Integration)
- Copilot Help Center: Real Estate Accounts
- Quicken Simplifi Help Center: Asset Tracking
- Tiller: How To Track Your Complete Net Worth
- Tiller Help Center: Reviewing Balances And Customizing Accounts
Jason Wootten is the CEO of Family Tree Estate Planning, LLC in Scottsdale, AZ, with 17+ years of experience in the estate and financial planning industry. He specializes in making wills, trusts, and complex financial/legal concepts easy to understand and sponsors the Jason Wootten Scholarship for clear communication.