Best net worth trackers in the UK (2026)

A net worth tracker adds up everything you own and subtracts everything you owe, so you can see whether you are moving in the right direction. In the UK that means current accounts, savings, ISAs, a pension, perhaps a property and a mortgage. The best net worth trackers for UK users in 2026 are Era, Aureli and PocketSmith, with Emma and Snoop as lighter options, and the right one depends on how many kinds of account you need to include.

What should a UK net worth tracker include?

A good UK tracker covers the accounts that make up a typical household: current accounts and cards, savings and cash ISAs, investments and stocks and shares ISAs, pensions, the value of a home and its mortgage, and loans. Some of these connect through open banking, and the rest you add by hand or from a statement.

The best trackers let you do both and keep the history, so you can see the trend rather than a single number.

The best net worth trackers in the UK

Era tracks net worth across everything you can connect or add, and your assistants can answer from it: "what changed in my net worth since March?" or "how much of my wealth is in my pension?" Manual accounts are free, so you can build the full picture before connecting a single bank, and the document library reads statements from your pension, ISA and mortgage providers. It adds a financial health view and shared spaces for a household.

Aureli is a UK net worth tracker with a free tier that includes a connector for Claude, ChatGPT, Gemini and Grok, and it connects named UK banks. It is a good choice if net worth is the one thing you want to track.

PocketSmith has net worth alongside its forecasting calendar, is billed in US dollars, and has an official connector for Claude, ChatGPT and other assistants. See PocketSmith alternatives.

Emma and Snoop show balances across your connected UK banks, and each is a lighter choice for people who mostly want to see current accounts and spending. See Emma app alternatives and Snoop alternatives.

Why choose Era for net worth?

Era's edge is that the figure is something every assistant can talk about. Tell Claude that you are saving for a deposit and ChatGPT knows it the next day, because the memory is shared. If you hold money abroad, it fits in the same view as your UK accounts.

Era connects accounts across the US, the UK, Canada, France, Germany, Spain, and 40+ countries in all.

How do the best net worth trackers compare?

The trackers differ in how many kinds of account they take and in what they let you do with the figure afterwards. Era takes any account you can connect or add by hand and lets your assistants talk about it. The table shows how the main options line up for a UK saver.

How do I count a pension, a house and a mortgage?

Count each asset at its best current value and each debt at the amount you still owe. For a pension, use the latest statement value. For a property, use a sensible estimate of what it would sell for, and update it once or twice a year. For a mortgage, use the outstanding balance on your latest statement.

In Era you add each of these as a manual account and upload the statement to the document library, which reads it and files it. The assistant can then tell you where each figure came from and show you the page. When a new statement arrives, upload it and the number moves, so the history shows the trend and not just a single figure.

Which accounts should I include for a true picture?

Include everything that has a value you could put a number on. That means current accounts, savings and cash ISAs, stocks and shares ISAs, any general investment account, a workplace pension and any personal pension, a property, cars if they matter to you, and the debts that come with them, from credit cards to student loans.

A fuller list gives a truer figure, and it gives your assistant more to work with. Ask it how much of your wealth sits in your pension, how your savings compare with your debts, or what would happen to your net worth if your property fell in value. Those questions need the whole picture and not a single account, which is why a tracker that takes manual accounts and statements earns its place beside one that only reads live connections. Neither is complete alone, and the combination is what gives an honest figure.

What does a good net worth habit look like?

The best habit is a monthly check, and it takes only a few minutes. On the first of the month, or the day after payday, ask your assistant for your net worth and what changed since last time. The change matters more than the total, and the explanation matters more than the change.

Era's financial health view shows in figures how your finances are doing, with the measures behind them and the analysis that explains what is moving them. Over a few months you can see whether saving, investment growth or debt repayment is doing the work, and you can decide where to put effort.

Can I track net worth with a partner?

Yes. Era's shared spaces let you and a partner combine chosen balances into one view, so you can see the household figure while keeping accounts that are yours alone out of it. Everyone sees the same figures for whatever has been shared, and your assistants can answer questions about it.

That suits a mortgage held jointly, a shared savings pot or a family plan, and it means each of you can ask your own assistant about the same household figure without sending screenshots. Each person decides what to show, and anything not shared stays private. If you are helping a parent with their money, the guide to helping a parent with money explains how guardian access works.

How do I start tracking my net worth?

Create a free Era account, add your main accounts as manual accounts, and upload your most recent statements to the document library. Connect your banks through open banking when you want live balances, then ask an assistant for your net worth.

The guide to adding manual accounts walks through the first step, and the pricing page lists what each plan includes.