The Best Net Worth Tracker Apps in Australia (2026)

19 August 2026  ·  8 min read

If you've searched for a net worth tracker, you've probably noticed most "best apps" lists are written for Americans — full of tools that have never heard of superannuation, HECS or franking credits. This is the Australian version: the options people here actually use, what each is genuinely good at, and how to choose between them.

The short answer: there is no single best app — it depends on what your wealth looks like. If you mainly want budgeting with net worth attached, PocketSmith is the strongest. If you're a share investor who cares about tax, Sharesight is built for exactly that. If you want debts and credit score front and centre, WeMoney is free and does it well. And if you want your whole position — property, super, shares, cash, debts — in one place, projected forward to the year work could become optional, that's the job Compound was built for.

One thing to declare before anything else: we make Compound. This comparison is still honest — each of these tools is genuinely the best choice for somebody, and we say plainly below who shouldn't use ours.

What should a net worth tracker do for an Australian?

Before comparing apps, it's worth being clear about what "good" looks like here, because the Australian wealth picture has quirks that imported tools mishandle:

• Superannuation is usually your first or second largest asset — and it's locked until preservation age. A tracker that treats super like an ordinary brokerage account will mislead you about when you could actually stop working.
• Property carries most household wealth, often with an offset account, equity you can't spend, and holding costs. A single "house value" field undersells it.
• HECS/HELP is a real liability with unusual repayment rules.
• Wealth is often split across structures — joint names, trusts, companies, SMSFs — and across couples.
• Tax matters — capital gains treatment and super rules change what a projection honestly says.

Judge any tracker — including ours — against that list, not against a generic feature grid.

How the main options compare

Now the honest detail on each.

PocketSmith — best for budgeting with net worth attached

PocketSmith is the most mature personal-finance app in this part of the world, and its calendar-based budgeting and cashflow forecasting are genuinely excellent. It connects to Australian banks, tracks balances across accounts, and will show you a net worth figure and history. If your main problem is "where does my money go, and what will my accounts look like in six months?", it's the strongest tool on this list.

Where it's weaker is the wealth side: property, super and investment holdings are trackable but shallow — closer to balances on a list than assets with their own behaviour. There's no meaningful retirement or financial-independence projection built on Australian rules.

Choose PocketSmith if budgeting is the job and net worth is a bonus. Look elsewhere if your net worth lives mostly in property, super and investments rather than bank accounts.

Sharesight — best for share investors, especially at tax time

Sharesight isn't a net worth tracker and doesn't pretend to be — it's a portfolio tracker, and for ASX and global shares it's the best there is in Australia. Dividend tracking with franking credits, capital gains reports your accountant will actually thank you for, and performance calculated properly (most apps get this quietly wrong). It's free for small portfolios.

But shares are all it sees. Your home, your mortgage, your super fund, your cash — none of it belongs there, so it can't tell you what you're worth, only how your portfolio is doing.

Choose Sharesight if you're an active share investor and tax reporting is a pain point — plenty of people run it alongside a net worth tracker. Look elsewhere if you want one number for your whole position.

WeMoney — best free option for the debt side

WeMoney comes at money from the opposite direction: debts, credit score and accounts, connected through open banking and free to use. For someone whose immediate goal is get on top of what I owe, that framing is genuinely motivating — seeing every liability in one feed does for debt what net worth tracking does for wealth.

The asset side is thinner: it will show connected balances, but property, super and investments aren't the focus, and there's no projection of where you're heading.

Choose WeMoney if the debt side of your ledger needs the attention first. Look elsewhere once the question flips from "what do I owe?" to "what am I building?"

Frollo — best free open-banking budgeter

Frollo was one of the first movers on Australian open banking and remains a solid free way to see your transaction accounts, categorise spending and set budgets. As a net worth tracker it's partial for the same reason as WeMoney — the wealth that isn't in a bank (property, super, portfolios, entities) is where the picture thins out.

Choose Frollo if you want free, bank-connected budgeting with no upsell pressure. Look elsewhere if you're tracking wealth, not spending.

The spreadsheet — best for control, worst for staying current

We'd never talk anyone out of a spreadsheet on principle — a well-built one is a perfectly honest net worth tracker, and building it teaches you your own finances. Our step-by-step guide to tracking net worth works entirely in a spreadsheet if you want it to.

The failure mode is universal though: spreadsheets go stale. Share prices need re-entering, the property value is whatever you typed last year, super is a guess between statements, and history only exists if you've been disciplined about saving snapshots. Most people update it enthusiastically for two months and then never again — and a stale number quietly stops being true.

Choose a spreadsheet if you enjoy maintaining it — genuinely, some people do. Look elsewhere if you've already built and abandoned one. That's not a discipline failure; it's the tool's failure.

Compound — best for whole-of-wealth tracking and the "when could I stop?" question

This is ours, so judge the framing accordingly — but here's what it's built to do that the others above aren't.

Compound tracks your entire position — property (with equity, loans and holding costs modelled properly), super, shares and ETFs with live prices, cash, crypto, business interests and every debt — across individuals, couples, trusts, companies and SMSFs. And rather than stopping at the number, it projects it forward to your Freedom Year: the year work could become optional, using a two-phase model built on Australian rules — tax and capital gains actually modelled, super correctly locked away until preservation age rather than pretended to be spendable at 45.

Because we're comparing honestly: what Compound doesn't do. There's no transaction-level budgeting like PocketSmith or Frollo — it's a wealth tracker, not a spending app. Bank balances are entered manually today (automatic feeds are on the roadmap), so the trade-off is a few minutes a month against tools that sync but see less. And it's paid — a full-featured 14-day trial, then A$149/year (about A$2.87/week) or A$14.99/month at current early-access pricing.

Choose Compound if your wealth is spread across property, super and investments — especially as a couple or across entities — and you want one honest number plus the year it's all pointing at. Look elsewhere if day-to-day budgeting is the job, or you want bank-feed automation above all else.

So which one should you pick?

Match the tool to the question you're actually asking:

• "Where does my money go?" → PocketSmith (paid) or Frollo (free)
• "How is my share portfolio performing, and what do I owe the ATO?" → Sharesight
• "How do I get on top of my debts?" → WeMoney
• "What am I worth, and when could work become optional?" → Compound
• "Can I do this myself for free?" → Yes — here's how, until keeping it current gets old

They also combine well: Sharesight for trade-level tax detail alongside a whole-of-wealth tracker is a common pairing, and nothing stops a budgeting app and a wealth tracker covering their own ends of the same household.

Whatever you choose, the fundamentals of net worth tracking don't change: one honest number, updated regularly, watched as a trend. The tool's job is just to make that easy enough that you still do it in a year — pick the one that fits how your wealth is actually held, and let the trend do the talking.