Apps for tracking your net worth
Tracking net worth requires assets minus debts and a comparable series over time. Neto separates free current net worth from PRO history; Dinerio offers a paid view after its trial; YNAB includes reports. Your own spreadsheet and Aurio offer other ways to control the data.
Published by Aurio, one of the products compared.
Desk review of official sources on 13 November 2026. This is not a hands-on test of every app or a quality ranking. Order follows use cases; prices and features may change.
Options for different needs
| Option | What it suits | Price and access | Limitation to consider |
|---|---|---|---|
| Neto | Spending, accounts and net worth without connecting banks. | Free; PRO €49.99/year on iPhone or €59.99/year on Android. | Current net worth is free; its history and unlimited CSV export require PRO. |
| Dinerio | Spending, budgets, net worth and couples finances without bank access. | 14-day trial; €3.99/month, €35.88/year or €99.99 once. | Paid after the trial. These are standard rates; promotions have separate dates and conditions. |
| YNAB | Plan available money using its method and view reports. | Website: USD 109/year or USD 14.99/month, plus applicable tax; 34-day trial. | No permanent free plan. Sharing a subscription with up to six people is not the same as splitting a debt. |
| Your own spreadsheet | Define your columns, balances and tracking rules. | You can use a tool you already have; its licence may cost money. | You maintain formulas, backups and data. Creating a sheet does not automatically update it. |
| Aurio | Personal and shared expenses, budgets and net worth, in Spanish and English. | Free; Premium €49.99/year or €5.99/month. Seven-day trial on the monthly plan only. | No bank-account synchronisation. Update through entries, statements or Shortcuts; Aurio does not move money. |
What to compare before choosing
Check whether you can record accounts, cash, property and debts without duplicating them. Record the date and how you valued each asset. A total that omits a mortgage or counts a balance twice can look precise while being wrong.
A snapshot is not a history
Today’s figure shows what you have now. Evolution requires earlier observations or imported records; an app cannot reliably reconstruct data you never recorded. Neto explicitly places history in PRO. Aurio’s current view, evolution and net-worth history import are included in Free.
A monthly check that works with any app
Choose the same day each month and check balances and debts against your documents. When a figure changes, distinguish contributions, payments and valuation changes. Aurio tracks these records, but bank balances do not synchronise: maintain them through entries or imports.
Scope of this comparison
We compare tools for recording and viewing net worth. We do not evaluate brokers, funds or investment products, or recommend purchases. Reports and charts do not replace checking source data.