Kesoria vs Kubera, Monarch & Empower: An Honest Comparison
A fair, side-by-side look at four net worth trackers — who each is genuinely best for, and where each falls short. No fake rankings.
Every "best net worth tracker" list ranks its own product first. This one will not pretend there is a single winner — the right tool depends entirely on where you live and how you want to work. Here is an honest read on four options.
Empower — best free option, if you are in the US
Empower (formerly Personal Capital) offers a genuinely strong free dashboard with class-leading retirement and fee-analysis tools. The catches: it is US-only, single-currency, nudges higher-asset users toward a paid advisory service, and has seen little feature innovation recently. If you bank in the US and want free automatic tracking, it is hard to beat.
Monarch — best paid all-rounder for the US & Canada
Monarch pairs budgeting and net-worth tracking in a polished app and has become the default Mint replacement. It is around $100/year, US/Canada-focused, with a short free trial and no free tier. Excellent for North American couples who want budgeting and tracking together.
Kubera — best for complex, high-net-worth portfolios
Kubera shines at unusual assets — crypto, real estate, domains, collectibles — plus estate-planning features. It is premium-priced (around $150/year, no free tier) and its bank connections are US-centric with limited European support. Built for high-net-worth users with diverse holdings, not budget-conscious beginners.
Kesoria — best for multi-currency, globally-mobile earners
Kesoria focuses on the case the others under-serve: consolidating a net worth spread across currencies and countries, with no bank-login dependency. Manual entry means it works anywhere and keeps your credentials private; multi-currency consolidation is the core feature, not an afterthought. Calculators and guides are free forever, tracking starts with a long free trial, and Pro is priced for individuals, not institutions.
The honest trade-off: Kesoria does not auto-sync to your bank, and it is not a budgeting app. If you want automatic transaction import or daily spending categorisation, a US-centric all-rounder will fit better. If you want a clear, consolidated, private picture of your total wealth across borders, that is exactly what Kesoria does.
How to choose in one line
US-based and want free: Empower. US/Canada and want budgeting too: Monarch. High net worth with exotic assets: Kubera. Money across currencies and countries, privacy-conscious, manual is fine: Kesoria.
All pricing and features are as of 2026 and change frequently — verify on each provider’s site. Educational comparison only, not financial advice.
Free Multi-Currency Net Worth Tracker
A comprehensive spreadsheet template that consolidates every account and currency into one net-worth number — with monthly snapshots and a print-ready balance sheet. Opens in Excel, Numbers, or Google Sheets.