Best net worth tracker for high net worth individuals
There is no single best tracker. The right one depends on where your wealth sits: in one country or several, in listed shares or private assets, in a household budget or a balance sheet. Four tools, compared on the same rows.
Last updated: 3 November 2026
We make Sovereign, so read this as a comparison by an interested party. Every fact about the other tools comes from their own pages, linked on each comparison page, and we write "Not stated on their site" when we could not find one.
The short answer
- Sovereign: best for wealth that crosses borders: several currencies or countries, and tax rules for 165 countries next to your net worth.
- Kubera: best for a mature balance sheet: thousands of bank connections, private funds, entity structures and sharing with family or advisers.
- Monarch: best for a US or Canadian household: budgets, cash flow and goals, with net worth alongside.
- Delta: best for listed stocks and crypto on a phone: alerts, market news and a free plan for 10 assets.
Side by side
Scroll across the table to see all columns.
| Feature | Sovereign | Kubera | Monarch | Delta |
|---|---|---|---|---|
| Price | Free plan. Tracker ($10/mo or $96/yr) and Sovereign ($29/mo or $290/yr). Paid tiers have not opened yet: during the open beta every account gets the full product. | Essentials $250 a year. Black $2,500 a year, for multi-entity wealth. | $14.99 a month or $99.99 a year. Plus, with forecasting and business tracking, is $199.99 a year (pricing page, 6 November 2026). | PRO $53.88 a year, PRO+ $107.88 a year. Prices may vary by location. A lifetime option is offered. |
| Free plan or trial | Free forever: up to 20 manual holdings with live prices, 1 crypto exchange connected by API and 1 year of history. | No free plan listed. Try it for 14 days, then choose a plan. | No free plan: paid subscriptions only. The first week is free. | Free Basic plan: up to 10 assets. |
| Crypto | 17 exchanges by read-only API (Binance, Coinbase, Kraken, OKX, Bybit and more), plus wallet and DeFi sync for EVM chains and Solana. | Major blockchains, exchanges and wallets, including DeFi, NFTs, staking and lending. | Crypto can be tracked as investment holdings. | Yes. Crypto, NFTs and on-chain signals. |
| Banks and brokers | Interactive Brokers, Trading 212, DEGIRO by statement PDF, and 30+ brokers through SnapTrade (Fidelity, Schwab, Vanguard, AJ Bell and more). | Thousands of banks and brokerages worldwide through several aggregators, plus Web Sync for sites that do not connect. | 13,000+ institutions through Plaid, Finicity and MX, including banks, cards, loans and investment accounts. | 200+ exchanges, brokers and crypto wallets, according to its App Store listing. |
| Real estate and private assets | Real estate, businesses and collectibles, entered by hand with optional appreciation rates. | Real estate, vehicles and valuables with live price feeds and an AI appraiser. Alternatives, private stocks and LP positions with capital calls, distributions and IRR. | Home values from Zillow and vehicles from VinAudit (US only), company equity, and manual accounts for other assets. | Manual transactions for assets that no broker or exchange tracks. |
| Multi-currency | Yes. Holdings can use different currencies, with FX. | Yes. Multi-currency runs through the whole product. | No. All amounts show with $ and are not converted. Monarch recommends USD or CAD accounts only. | Not stated on their site. |
| Tax across countries | Tax engine for 165 countries: capital gains, dividends, crypto rules, foreign income and residency thresholds, compared side by side. | Not stated on their site. | No country tax rules stated. CSV downloads for your tax records; Plus adds business tracking. | No country tax rules stated. Gains Reporting (PRO+) exports realized gains and cost basis for your records or taxes. |
| Residency and relocation | Days-in-country tracker with residency tests and Schengen 90/180, a sovereignty index, and a relocation copilot. | Not stated on their site. | Not stated on their site. | Not stated on their site. |
| Simulations and stress tests | Projections after tax and inflation, stress tests (deep falls, 2008, Covid 2020, 2022 rates, or your own), a Monte Carlo band, sandbox scenarios, and an AI what-if bar. | Fast Forward runs scenarios such as selling a company or buying a house. Cash forecasting, and AI what-ifs. | Forecasting tools on the Plus tier. | Not stated on the pages we checked. Portfolio analytics include risk, P/E and diversity. |
| AI features | AI chat over your portfolio, a tailored AI monitor, and an MCP connector for your own AI agent. | Works with Claude, ChatGPT, Grok and Muse. AI appraiser for assets. | AI assistant chat, AI transaction categories, and an MCP connector for Claude, ChatGPT and other AI tools. | Delta AI: 3 uses a month free, 10 on PRO, unlimited on PRO+. AI explanations of moves and an AI daily recap. |
| Platforms | Web app, plus Telegram and email digests. | Web, iPhone and Android. | Web, iOS and Android. | iPhone, iPad and Mac (App Store), a desktop app and web. |
| Import and export | Screenshot and PDF statement imports. Export your full dataset to JSON. | Not stated on the pages we checked. | CSV import of transactions and balances. CSV download of transaction and balance history. | CSV import. Gains reports export. |
Prices are in US dollars and can change. We read each provider's pages on 3 November 2026.
What matters at high net worth
- Private assets. Property, a business or fund positions are often most of the total. Check how each tool values them and whether it tracks capital calls.
- Currencies. A tracker that adds 10,000 CAD and 10,000 USD as $20,000 is wrong by the exchange rate on every line.
- Connections. Count the banks, brokers and exchanges you actually use, not the total a tool claims.
- Countries. If you live, or may live, in more than one country, the tax and residency rules change what the same portfolio is worth to you.
- Access. Read-only keys and a clear list of who sees your data. See our read-only API key guides.
What is the best net worth tracker for high net worth individuals?
It depends on where your wealth sits. Kubera is the most complete balance sheet for banks, private funds and entities. Sovereign fits wealth across several countries, with tax rules for 165 countries. Monarch fits a US or Canadian household budget. Delta fits a phone-first stock and crypto portfolio.
Which net worth tracker handles several currencies?
Sovereign and Kubera both store holdings in different currencies and convert them. Monarch's help center says it does not convert currencies and recommends USD or CAD accounts only. Delta's site does not state it.
Which net worth tracker shows tax across countries?
Sovereign. Its tax engine covers capital gains, dividends, crypto rules, foreign income and residency thresholds in 165 countries. Kubera, Monarch and Delta do not describe country tax rules on their sites. It is decision support, not a filed tax return.
Is there a free net worth tracker for high net worth individuals?
Sovereign and Delta have free plans. Kubera lists a 14-day trial and paid plans. Monarch is paid only, with the first week free.
Detailed comparisons
- Sovereign vs Kubera, with every source
- Sovereign vs Monarch, with every source
- Sovereign vs Delta, with every source
- International net worth tracker: what Sovereign does
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