7 Best Apps for Real-Time Wealth Tracking

Managing your finances doesn’t have to be overwhelming. With the right tools, you can track your wealth, understand your spending, and plan for the future - all in real time. Here are the 7 best apps for wealth tracking that simplify financial management:

• Maybe Finance: AI-driven insights, multi-currency support, and open-source security. Starts at $9/month.
• Mint: Once popular but shut down in 2024.
• Personal Capital: Free tools for investment tracking and retirement planning. Paid wealth management at 0.89% annual fee.
• YNAB (You Need A Budget): Zero-based budgeting system. $15/month or $109/year.
• Quicken: Advanced investment tools, including retirement modeling. Starts at $3.99/month.
• PocketSmith: Calendar-based forecasting with plans from $14.95 to $39.95/month.
• Empower: Free app for net worth tracking, investment analysis, and budgeting.

Quick Comparison

App	Best For	Cost	Unique Features
Maybe Finance	AI insights, privacy	$9/month	Multi-currency, self-hosting option
Personal Capital	Investment tracking	Free / 0.89%	Portfolio analysis, retirement planner
YNAB	Budgeting	$15/month	Zero-based budgeting, real-time sync
Quicken	Investment management	$3.99/month	Morningstar® tools, tax planning
PocketSmith	Long-term planning	$14.95/month	Financial forecasting up to 60 years
Empower	Free tracking	Free	Comprehensive investment tools

Choose the app that fits your financial goals, whether it’s budgeting, investment tracking, or long-term planning.

1. Maybe Finance

Maybe Finance connects with over 10,000 financial institutions, offering a robust suite of tools while prioritizing user privacy.

This platform leverages AI to deliver tailored insights, automatically categorizing expenses and generating budget suggestions to help users refine their spending habits. It also features intelligent forecasting, analyzing both spending patterns and market trends to predict future financial outcomes.

Feature	Description	Benefit
Account Integration	Links with 10,000+ institutions	Get a complete financial picture
Multi-Currency Support	Supports global currencies natively	Track international assets seamlessly
AI-Powered Insights	Offers automated analysis and recommendations	Make smarter financial decisions
Open-Source Security	Built under AGPLv3 with 44.2k GitHub stars	Transparent and community-reviewed

Maybe Finance also stands out for its commitment to data privacy. It offers a self-hosting option, allowing users to maintain full control over their financial data. Its popularity in the open-source community is evident, with over 3,200 forks on GitHub as of May 2025 - proof of its reliability and user trust.

For those managing diverse portfolios, the platform includes advanced transaction filtering and customizable rules. Its AI capabilities extend to tax optimization and investment suggestions tailored to individual risk tolerance and goals.

Pricing starts at $9/month or $90/year (a 17% savings). Both plans include:

• Unlimited account connections
• AI-driven insights
• Comprehensive transaction tracking

Other standout features include:

• CSV import functionality and customizable budgeting tools with spending trend analysis
• Easy access via web and mobile platforms
• Secure data encryption for peace of mind

Next, we’ll dive into other leading tools for real-time wealth tracking.

2. Mint

Mint was a popular tool for tracking finances, offering a convenient way to merge multiple accounts into one dashboard for a clear financial snapshot. However, the platform announced its closure in March 2024, leaving many users searching for alternatives.

Feature	Capability	Limitation
Account Integration	Supported over 17,000 institutions	Prone to connection interruptions
Transaction Tracking	Automatically categorized spending	Often required manual corrections
Financial Overview	Provided a dashboard with updates	Synchronization delays were common
Account Support	Included banks, credit cards, and investments	Some institutions were incompatible

Mint’s automatic transaction categorization was a standout feature, but it wasn’t perfect - users often had to manually adjust categories. Another frustration was that pending transactions, once finalized, would reset to their original category, forcing users to repeat adjustments.

In 2021, Mint boasted 3.6 million monthly active users, highlighting its broad appeal. Still, it wasn’t without its challenges. Synchronization delays and the lack of real-time updates made it better suited for periodic financial reviews rather than on-the-spot wealth management.

Up next, we’ll look at another platform designed to offer more immediate financial insights.

3. Personal Capital

When it comes to real-time wealth tracking, Personal Capital is a platform that delivers detailed investment insights paired with strong security measures. With over 2 million users managing more than $12 billion in assets, it’s a trusted choice for comprehensive financial management. The platform offers a variety of free tools designed to simplify wealth tracking.

Feature	Capability	Details
Account Integration	Multiple account types	Connects to banks, credit cards, IRAs, 401(k)s, and brokerage accounts
Security	Multi-layered protection	AES-256 encryption, multifactor authentication, and read-only account access
Core Tools	Wealth tracking essentials	Includes a net worth calculator, investment checkup, and retirement planner
Data Updates	Real-time monitoring	Provides live portfolio updates and cash flow analysis

One of its standout features is the Investment Checkup, which gives personalized feedback on your portfolio, helping you refine your investment strategy. While the platform’s core tools are free, wealth management services are available at a 0.89% annual fee for assets under $1 million.

Security is a priority for Personal Capital. It employs AES-256 encryption, multifactor authentication, and OAuth integration to ensure your accounts are protected without requiring direct password sharing.

While PCMag rated Personal Capital 3.5/5, praising its investment analysis, retirement planning, and account aggregation, it noted that the platform falls short in daily expense tracking.

4. YNAB (You Need A Budget)

YNAB uses a zero-based budgeting system designed to help users save an average of $600 within two months and $6,000 in their first year.

Real-Time Synchronization

One of YNAB's standout features is its ability to sync bank accounts and credit cards instantly. This ensures transactions are updated in real-time across all devices. These updates feed directly into YNAB's financial tools, providing users with up-to-date insights at any moment.

Feature	Capability	Impact
Net Worth Tracking	Displays assets and debts	Assets appear in blue, debts in red for quick clarity
Real-Time Reports	Three report types	Tracks Spending, Net Worth, and Income vs. Expenses
Multi-Device Sync	Automatic updates	Keeps all devices in sync without manual effort
Goal Tracking	Tracks progress	Offers visual updates on financial milestones

Detailed Financial Reports

YNAB offers three essential reports - Net Worth, Spending, and Income vs. Expense. These tools make it easy to analyze your financial situation and identify areas for improvement.

"YNAB isn't just a tool for money management. It's a tool for self-actualization. Who do you want to be, and how can the money you earn help you get there?"

– Adrienne So, Senior Associate Reviews Editor for WIRED

User Success and Pricing

The results speak for themselves: 90% of users report better financial health, and 70% manage to save enough to cover at least three months of expenses. YNAB has earned an impressive 4.8/5 rating from over 55,000 reviews on the Apple App Store. Subscriptions cost $15 per month or $109 annually, and new users can take advantage of a 34-day free trial.

Next, let’s explore another platform that delivers quick financial insights.

5. Quicken

Quicken connects with over 14,000 financial institutions, offering a wide-reaching platform for real-time financial tracking. This broad integration allows users to monitor various account types with ease.

Investment Tracking Tools

Quicken goes beyond basic tracking by providing advanced tools for managing investments like stocks, bonds, 401(k)s, IRAs, and even cryptocurrency. The Windows version includes the Morningstar® Portfolio Instant X-Ray, a feature designed to deliver in-depth portfolio analysis.

Feature	Description	Benefit
Portfolio Analysis	ROI and IRR reporting	Keep tabs on investment performance
Tax Planning	Buy/sell modeling tool	Assess potential capital gains impact
Account Coverage	Broad financial data access	Get a complete financial picture
Retirement Planning	"What If" scenario modeling	Forecast future wealth possibilities

Real-Time Monitoring

The Home Dashboard provides an at-a-glance view of your finances. With Zillow integration, property values are automatically updated, and the platform supports a variety of accounts, including educational savings, custodial accounts, and 529 plans.

"Quicken Classic has more tools than any other budgeting and personal finance app, making its Premier version a top choice for power users who want the most feature-rich software available." - PCMag

Pricing and Performance

Quicken's pricing starts at $3.99/month for Simplifi and goes up to $8.99/month for the Classic Business & Personal plan (billed annually). While packed with features, some users may encounter occasional connectivity issues requiring manual updates. Despite this, PCMag rated the platform 4.5/5, praising its ability to manage wealth comprehensively.

Up next is another platform that takes a different spin on real-time wealth tracking.

6. PocketSmith

PocketSmith takes a unique approach to financial management with its calendar-based forecasting, offering projections that stretch up to 60 years with its highest-tier plan. By connecting with over 12,000 financial institutions, it ensures real-time wealth monitoring for users across the globe.

Here’s a closer look at what makes PocketSmith stand out.

Multi-Currency Capabilities

Managing finances across borders? PocketSmith has you covered. It automatically converts and tracks accounts, assets, and liabilities in various currencies, making it an excellent tool for handling international financial portfolios.

Feature	Foundation	Flourish	Fortune
Monthly Cost	$14.95	$24.95	$39.95
Connected Accounts	6	18	Unlimited
Forecast Range	10 years	30 years	60 years
Auto-Bank Feeds	Yes	Yes	Yes
Multi-Currency	Yes	Yes	Yes

Advanced Portfolio Integration

PocketSmith has stepped up its game with automated portfolio tracking through its integration with Sharesight. This feature allows users to view their Sharesight portfolio balance alongside other financial details. Jason Leong, co-founder of PocketSmith, highlights its value:

"We're excited that PocketSmith users can now automatically see their Sharesight portfolio balance alongside their other financial information. Having more accurate, up-to-date information can only help people make better money decisions."

Wealth Visualization Tools

PocketSmith’s tools make understanding your finances easier. Its Sankey diagram widget provides a clear visualization of money flow, while the customizable dashboard offers features like:

• Real-time net worth tracking
• Detailed income and expense statements
• Currency conversion graphs updated in real time
• Calendar-based financial projections

Joe Salvati, Director of Partnerships at Sharesight, emphasizes the benefits of the integration:

"The integration between Sharesight and PocketSmith creates endless possibilities for investors - whether that's tracking a FIRE date, considering whether to increase their portfolio contributions or simply looking for an accurate daily net worth figure."

Security and Privacy

PocketSmith prioritizes user security with strong encryption, two-factor authentication, and a strict policy against selling user data. Your financial information stays private and secure.

With over 324,000 users worldwide, PocketSmith has earned praise for its sophisticated features. TechRadar even described it as "the grown-up version of a budgeting app." While its pricing may lean toward the premium side, its advanced forecasting and wealth management tools make it a solid choice for serious investors and planners.

7. Empower

Empower takes a cue from PocketSmith's approach, offering real-time financial insights with an emphasis on simplicity and security. This free wealth tracker serves over 19 million Americans, providing tools for monitoring net worth, analyzing investments, and managing budgets - all at no cost. Its Personal Dashboard combines these features seamlessly to give users a comprehensive overview of their finances.

All-in-One Account Integration

Empower connects with a wide range of accounts, making it easy to manage your financial life in one place:

• Investment accounts like IRAs and 401(k)s
• Bank accounts
• Credit cards
• Mortgages
• College savings accounts (529s)
• Loans

Top-Notch Security

Empower prioritizes security, ensuring your financial data stays safe. Here's how:

Security Feature	Details
Encryption	AES-256 encryption protects your data both at rest and in transit.
Authentication	Two-factor authentication adds an extra layer of protection.
Transaction Monitoring	Daily email alerts keep you informed of account activity.
Insurance Coverage	SIPC covers investments up to $500,000.
FDIC Insurance	Partner banks provide up to $5 million in deposit protection.

Financial Tracking Made Simple

Empower’s features make it easy to understand and manage your money:

Feature Category	What It Offers
Portfolio Analysis	Get tips on investment allocation and an investment checkup.
Cash Flow Management	Track income and expenses, and compare monthly spending.
Retirement Planning	Use calculators to plan scenarios and assess success probabilities.
Emergency Fund	Tools to help you track and plan for emergencies.
Proactive Alerts	Notifications for bill increases, fees, and credit utilization changes.

"The Empower Dashboard gives me a full picture of where I am financially without having to log in to all my accounts. It definitely makes my financial life clearer and easier." - Benjamin D., Empower User

Real-Time Insights That Matter

Empower’s impact is evident - 84% of users report feeling more confident in their financial decisions. Forbes awarded it 4.5 out of 5 stars, calling it the "Best for Tracking Net Worth." In January 2025, NerdWallet recognized Empower as the top budget app for wealth and spending tracking, highlighting its all-encompassing approach to financial management.

Features Comparison

After examining each app in detail, here's a side-by-side comparison of their key features to help you decide which one suits your wealth tracking needs:

Feature Category	Maybe Finance	Quicken	PocketSmith	Empower
Monthly Cost	$9/month	$3.99/month	$14.95–$39.95/month	Free
Account Integration	10,000+ institutions	Limited selection	Extensive	Extensive
Investment Tracking	✓	✓	Limited	✓
Multi-Currency	✓	Limited	✓	×
AI Insights	✓	×	×	✓
Mobile App	✓	✓	✓	Basic functionality

Here’s a closer look at what each app brings to the table:

• Maybe Finance stands out with its ability to connect to over 10,000 financial institutions, offering a comprehensive view for users managing diverse accounts.
• Quicken excels in bill tracking and savings goal features, though its interface might take some time to master.
• PocketSmith is known for its calendar-based forecasting, which helps users predict future cash flows. It also boasts a 4.8/5 rating from Moneywise for its user-friendly design and detailed reporting.
• Empower shines in investment management, backed by a perfect 5.0/5 rating from Moneywise. Its free pricing model and robust security measures, such as AES-256 encryption and SIPC coverage up to $500,000, make it a strong choice for security-focused users.

Up next, let's dive into how these platforms handle security.

Security Standards

When it comes to managing your finances, security is non-negotiable. Here's how these apps measure up in safeguarding your data:

Security Feature	Details
Encryption	All apps use bank-level AES-256 encryption to protect sensitive data.
2FA Authentication	Two-factor authentication is standard across all platforms.
Data Backup	Daily automated backups ensure your information is safe.
Insurance Coverage	Coverage varies widely, ranging from $250,000 to $5 million, depending on the platform.

Each app prioritizes user security, offering essential protections to keep your financial data secure.

Summary and Recommendations

After analyzing various platforms, it's clear that different apps cater to specific financial goals. Here's a quick breakdown of the top choices based on user needs:

User Profile	Best Choice	Key Benefit	Monthly Cost
Investment-Focused	Empower	Comprehensive investment tools	Free
Budget-Conscious	YNAB	Zero-based budgeting system	$14.99
Cash Flow Planning	PocketSmith	Advanced forecasting	$9.99

These recommendations highlight the strengths of each platform, helping you choose the one that aligns with your priorities.

Empower stands out for offering a well-rounded suite of tools for wealth management at no cost. It combines investment tracking with essential budgeting features, making it a solid option for anyone seeking a complete financial overview without spending extra.

YNAB is designed for those who want to take control of their spending and tackle debt effectively. Its zero-based budgeting system is highly effective, though the $14.99 monthly fee is something to weigh against its benefits.

PocketSmith shines in cash flow planning, offering advanced forecasting tools for users who want to track and plan their finances in detail. At $9.99 per month, it provides a powerful solution for those focused on long-term financial planning.

Here’s why this matters: While 12% of U.S. households boast a net worth over $1 million, a staggering 37% of Americans still struggle to cover an unexpected $400 expense. Choosing the right financial tool can make a significant difference in managing these challenges.

When selecting a platform, keep these factors in mind:

• Your financial goals: Are you more focused on investment tracking or budgeting?
• Integration needs: Do you need detailed account syncing and custom reports?
• Cost considerations: Are free tools sufficient, or do paid features justify the expense?
• Security requirements: Refer to the Security Standards section for a detailed comparison.

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