Best Net Worth Trackers in Australia (2026)
Four cover most people:
- Frollo if you want automatic and free
- PocketSmith if you want forecasting
- Sharesight if your wealth is mostly shares
- and Perch if you just want a monthly number without linking your bank.
The American lists don't help here. Most of the tools they recommend can't connect to an Australian bank at all, and none of them understand super, HECS-HELP, or an offset account. This is the Australian-only version.
Prices below were checked on 15 August 2026 and are in AUD. Every provider changes them eventually, so confirm before you subscribe.
What makes a net worth tracker work in Australia?
Net worth is assets minus liabilities. Sounds universal, and the maths is. The local details aren't:
- Property is usually the biggest asset. If you own a home, it dominates the rest of the balance sheet. No tool can value it for you, so you need somewhere to hold your own estimate and revise it occasionally.
- Super is the next largest, and the largest if you rent. A tracker that can't hold a super balance is missing a big piece. Super counts.
- HECS-HELP is an unusual debt. Indexed, income-contingent, no fixed repayment date. Some tools have nowhere sensible to put it. It still counts.
- Offset accounts get double-counted. Plenty of tools show the offset balance as cash and the full mortgage as debt, which is right by accident, but only if you don't also net it off manually.
- AUD, and Australian bank connections. Via the CDR, or a data aggregator, or not at all.
How do they compare?
| Tool | Best for | Bank feeds | Price (AUD) |
|---|---|---|---|
| Frollo | Free automatic tracking | Yes, CDR open banking | Free |
| WeMoney | Free tracking plus a credit score | Yes | Free; Pro $9.99/mo or $99/yr |
| PocketSmith | Budgeting and long-range forecasting | Yes | Free tier; paid from $9.99/mo billed annually |
| Sharesight | Share and ETF portfolios, and tax time | Broker imports, not banks | Free tier; paid from $9/mo billed annually |
| Perch | A simple monthly net worth number | No, manual entry | Free for 3 snapshots; $6/mo or $50/yr |
| A spreadsheet | Full control, no subscription | No | Free |
Frollo
Free, Australian-built, and the best starting point if you're comfortable connecting your banks.
Frollo connects through CDR open banking, categorises spending, and lets you add assets and liabilities (property, vehicles, loans) to calculate net worth. There's no premium tier and no ads, which is rare enough to be worth saying twice.
The catch is that free consumer finance apps in Australia have a track record of disappearing. Frollo's money comes from its business side, so the app is a shopfront rather than the product. That's not a prediction, just a thing to know.
Super typically needs to be added manually, since most funds aren't CDR data holders.
WeMoney
Free, with a credit score attached.
WeMoney connects your accounts and shows balances, budgets and bills together, plus a free credit score, which is the actual reason most people install it. Net worth is part of the picture rather than the point of it. Pro is $9.99/mo or $99/yr and adds custom categories, desktop access and automatic goal tracking.
If you want one free app doing spending, debt and a credit score, this is the one. If you only want net worth, most of it is surplus.
PocketSmith
The most capable tool here, and the most expensive.
PocketSmith does budgeting, cashflow forecasting and net worth tracking, with open banking feeds to the major Australian banks. The forecasting is genuinely unusual. It projects your cashflow years ahead, which no free app does.
Pricing is tiered on bank connections and forecast horizon:
- Free: 2 accounts, 6-month projection, manual imports
- Foundation: $9.99/mo billed annually ($14.95 monthly), 6 connected banks, 10-year projection
- Flourish: $16.66/mo billed annually ($24.95 monthly), 18 connected banks, 30-year projection
- Fortune: $26.66/mo billed annually ($39.95 monthly), unlimited banks, 60-year projection
Worth it if you'll use the forecasting. Expensive if you want a number once a month.
Sharesight
Not a net worth tracker. The best portfolio tracker in the country.
Sharesight handles shares, ETFs and funds: trades, dividends, corporate actions, and Australian tax reports at the end of the financial year. It doesn't track your mortgage, your home, or your savings account, so it can't tell you your net worth on its own.
- Free: 10 holdings, 1 portfolio
- Basic: $9/mo billed annually ($12 monthly), 30 holdings
- Standard: $29/mo billed annually ($38.67 monthly), unlimited holdings, tax reports included
- Premium: $49/mo billed annually ($65.33 monthly), 10 portfolios
There's also a Tax Pack at $59/yr if you want the tax reports without the subscription.
Most people who use Sharesight pair it with something else. It's the investments layer, not the whole balance sheet.
Perch
Ours. Manual monthly snapshots, and deliberately not much else.
Perch does one thing: you enter your balances once a month and it shows you the trend. No bank linking, no credentials handed to anyone, ten minutes a month. First three snapshots are free, then $6/mo, $50/yr, or $150 once for a lifetime licence while the early-bird spots last.
Where it loses:
- No budgeting or transaction categorisation. If you want to know where your money went, this is the wrong tool.
- No bank feeds. That's the design, but it does mean you have to show up each month.
- No tax reporting. Sharesight wins that outright.
- No forecasting. PocketSmith wins that outright.
What you get instead is depth on the one thing it does. Every snapshot is broken down by asset and liability, so you can see which parts of your position are carrying the growth and which are standing still: super compounding, a mortgage shrinking, a savings account going nowhere.
Pick Perch if you've decided the monthly trend is the number that matters and everything else is noise. Don't pick it if you want an app that watches your money for you.
What about a spreadsheet?
Still the honest default, and free.
A spreadsheet does everything a net worth tracker does. The failure mode is well known: people build one, update it two or three times, and stop. If you've kept one alive for a year, you don't need any of the tools above.
Why don't Monarch, Empower or Copilot work here?
They can't connect to Australian banks. Monarch operates in the US and Canada; Empower can't link international accounts. They come up constantly in search results because the American personal finance web is enormous, but they're not options if you bank in Australia.
Tiller is a partial exception. It's spreadsheet-based, but its feeds are US-centric too.
Which should you pick?
- You want automatic and free: Frollo.
- You also want a credit score: WeMoney.
- You want to plan ahead, not just look back: PocketSmith.
- Your wealth is mostly shares and you dread tax time: Sharesight.
- You want a monthly number and no bank connections: Perch.
- You already have a spreadsheet you actually maintain: keep it.
One more thing worth weighing: Pocketbook shut down in August 2022, taking about 800,000 Australian users with it, and Westpac closed MoneyBrilliant that December. Free apps owned by someone with a different core business are the ones that vanish. Whatever you choose, export your history occasionally.
The best tracker isn't the one with the most features. It's the one you'll still be using in three years, because net worth only means anything as a trend.
Perch is the narrow option on this list on purpose: a monthly snapshot, a clear trend line, and nothing asking for your bank login.