Best net worth tracker for real estate: seven tools compared by what you own

The short answer

• Best for one total across accounts and property: Kubera if you want automatic syncing and complex holdings, Monarch Money if you also want budgeting.^[1][2]
• Best free place to see accounts and plan retirement: Empower.^[3]
• Best for running rentals: Stessa (free plan, bank feeds) or Landlord Studio (free for three units, per-unit pricing).^[4][5]
• Best for rental money organized inside the bank account: Baselane.^[6]
• Best for comparing physical assets on a map: Owned Map, which we make.

Most owners with real estate end up with two tools, one for the money that moves and one for the assets that sit still. The rest of the page explains how to choose, with the facts each tool publishes.

How we compared them

We did not build a score, because a score hides the question that matters: what do you want from it? Instead we compared each tool on six things a real estate owner cares about.

1. Does it put property in a net worth? And how does it value it.
2. Does it show how each property performs? Yield, cash flow, equity, not just a balance.
3. Does it run the rental? Rent, tenants, bookkeeping, tax reports.
4. Does it need your bank logins? Some do, some hold the account, some never connect.
5. Does it handle shared ownership and other assets? A half-share of a house, a boat, land.
6. What does it cost as the portfolio grows?

For each tool we used what it publishes on its own website, and we link every claim in the Sources. We have not used a paid account of any of them. Where we found nothing we say “not listed”, which is different from “not available”. And a disclosure: we make Owned Map, so treat our description of it as the vendor’s, and check the others for yourself.

The seven at a glance

The names link to our detailed comparison with each tool, with its sources and a worked example.

Net worth with your accounts

If you want a single total that includes your bank, brokerage and property, you want a tool that connects accounts. There are three in this list.

Kubera advertises thousands of banks and brokerages through several aggregators, crypto wallets, alternatives and physical assets such as real estate, vehicles, gold and watches, with sharing and a beneficiary feature.^[1] Its Black plan is listed at $2,500 a year on its own page.^[7] It is the broadest of the three and the most expensive.

Monarch Money is a budgeting app that also tracks net worth. It says it connects with more than 13,000 institutions and lets you collaborate with a partner at no extra cost.^[2] For property it syncs Zillow Zestimates and lets you add manual accounts.^[14]

Empower says its financial tools, including net worth, budgeting and a retirement planner, are completely free, and it earns its money from advisory services for larger investors.^[3] On the pages we read, we did not find real estate or vehicles listed, so check in the app.

Kubera and Monarch both describe their account connections as read-only, and each of the three is a reasonable choice if you are comfortable linking accounts. If you are not, or if most of your wealth is physical, read our net worth tracker without linking bank accounts page.

Best app to track rental properties

Net worth is not what most landlords lose sleep over. Rent, receipts and tax time are. Three tools in the list are built for that.

Stessa offers automatic bookkeeping from bank feeds, per-property reports, online rent collection and tax package reports, with a free Essentials plan and unlimited properties on every plan.^[4][11]

Landlord Studio adds tenant listings and screening, rent collection, receipt scanning and a Schedule E report, with a free Go plan for three units and paid plans that add bank feeds and Xero.^[5][12] It charges per unit, so many units in few buildings cost more than they would on a per-asset model.

Baselane is the one that holds the money: unlimited property-specific accounts, rent into them, transactions tagged by property and tax category, and a tax package and Schedule E report on its free Core plan. It says it is not an FDIC-insured bank and that banking services are provided by Thread Bank, Member FDIC.^[6][13]

Pick among these by how you want to work: Stessa and Landlord Studio sit beside your bank, Baselane replaces part of it. If you already know you want a bookkeeping tool, our Stessa vs Owned Map page explains what you would still want on top of it.

Comparing the assets themselves

Here is a gap in most of the list. A bookkeeping tool tells you what happened in an account. A net worth tool tells you a total. Neither is built to answer: of everything I own, what is worth keeping?

That is the question Owned Map is built for. For each property it shows gross yield, net yield on current value, yield on cost, cash flow after the loan, payback, equity and loan-to-value, ranks properties by net yield, and simulates what you would keep if you sold. It also tracks land, vehicles, boats, aircraft and heavy equipment on the same map, shows your net worth on your ownership share and after debt, and keeps documents and renewal dates on each asset. It does not connect to your bank, collect rent or produce tax forms, and it asks you to enter the figures yourself.

It is not the cheapest or the broadest tool here. It is the one that compares assets on one basis and puts everything you own, not only rentals, in front of you. We describe it in depth on our rental property portfolio tracker page.

How each one values a property

This matters more than people expect, because every number downstream depends on it.

• Monarch syncs Zillow Zestimates for real estate.^[14]
• Kubera tracks real estate as an asset alongside your accounts; we did not find on the pages we read how it sets the value.^[1]
• Empower, Stessa, Landlord Studio and Baselane did not list property valuation on the pages we read. Stessa, Landlord Studio and Baselane are about the income and expenses of a rental, not what it is worth.
• Owned Map uses the value you enter and keeps a history each time you update it.

An automated estimate is convenient, but it is an estimate. Zillow publishes a median error for its Zestimate of roughly 7% for homes that are not on the market, and wider in some metros.^[15] On a $400,000 house, 7% is $28,000 either way. A value you chose from an appraisal, a broker or a comparable sale, dated and kept in a history, is often the better number for a decision, as long as you refresh it, say once a quarter.

What it costs at 3, 10 and 25 properties

Prices change, so treat this as a snapshot of what each publishes. We count one unit per property to keep it simple. For Landlord Studio the calculation is ours, from the $15 and $1.20 per extra unit it lists.

Read it honestly: for a small portfolio Owned Map is the most expensive tool in the list, and several of the others are free. What you are paying for is different (the map, the per-asset returns, the shares, the documents and the dates), not more of the same. If you do not need those, one of the free tools is the right answer. For many owners the sensible combination is a free landlord tool plus Owned Map once the portfolio is big enough, or shared enough, to need a real overview.

Picking by situation

Notice how often the answer is two tools. A net worth view, a rental tool and an asset comparison are different jobs, and the tool that does one best rarely does the others.

Questions to ask before you subscribe

Whichever you are considering, these seven questions save the most regret.

1. How is a property valued? By an automated estimate, by you, or not at all?
2. Can I enter a share? If you own half of something, does every figure reflect your half?
3. Does it show cash flow after the loan, or only the rent?
4. What happens to my data if I cancel? Can I export it?
5. Do I have to link a bank account, and who holds the credentials?
6. How does the price change as I add properties? Per unit, per asset, or flat?
7. Who else can see it, and who can find it if something happens to me? In Caring.com’s 2025 survey of US adults, only 24% said they have a will, down from 33% in 2022, so someone else finding your records is a real question.^[16]

Write the answers down for the two or three tools you are comparing. The differences usually become obvious.

How we checked

We wrote this page on November 5, 2026. Each tool is described from its own public pages, listed under Sources, except the entry price of Kubera, which comes from a price tracker that says it confirmed it on kubera.com on October 29, 2026, and the Zillow accuracy figure, which comes from Zillow’s published information as shown in search results. The Landlord Studio figures are our arithmetic from its listed prices. We make Owned Map, so this page is not neutral, and we have tried to compensate by saying where each alternative is better and by citing every claim.

Every outside claim is numbered and listed under Sources below. Products change. If you spot something out of date, email support@ownedmap.com and we will correct it.

Sources

1. Kubera: homepage, Kubera. Features, asset types, sharing, beneficiaries and the 14-day trial. Read November 3, 2026.
2. Monarch: homepage, Monarch. Budgeting, goals, 13,000+ institutions, collaboration with a partner or advisor at no extra cost, web, iOS and Android. Read November 3, 2026.
3. Empower: financial tools, Empower. The tools are described as completely free: retirement planner, net worth, budgeting and cash flow, portfolio analysis; wealth management for $1M+ and advisory above $250,000, with fees based on assets managed. Read November 3, 2026.
4. Stessa: homepage, Stessa. Automated bookkeeping, a bank account per property, income statement, net cash flow and tenant ledger reports, tax package reports and online rent collection. Read November 3, 2026.
5. Landlord Studio: homepage, Landlord Studio. Property management software for independent landlords: tenant listings and screening, online rent, bank feeds, receipt scanning, P&L and Schedule E reports. Read November 3, 2026.
6. Baselane: homepage, Baselane. Banking and bookkeeping for landlords: unlimited property-specific accounts, automated tagging, rent collection, tax packages; not an FDIC-insured bank; banking services by Thread Bank, Member FDIC. Read November 3, 2026.
7. Kubera Black, Kubera. Kubera Black is priced at $2,500 a year. Read November 3, 2026.
8. Kubera pricing, Toolradar. Lists Essentials at $250 a year; says prices were confirmed on kubera.com on October 29, 2026. Read November 3, 2026.
9. Monarch: pricing, Monarch. Lists $14.99 a month or $99.99 a year, cancel anytime, a money-back guarantee, and a Plus level. Read November 3, 2026.
10. Empower: net worth, Empower. It shows all your accounts in one place; the page does not list account types. Read November 3, 2026.
11. Stessa: pricing, Stessa. Essentials is free; Manage is $12 a month billed annually ($15 monthly) and Pro $28 ($35); unlimited properties; a Schedule E report on Manage; screening, lease and maintenance tools. Read November 3, 2026.
12. Landlord Studio: pricing, Landlord Studio. Go is free for 3 units; Pro $15 a month ($144 a year) and Pro Plus $35 ($336 a year), with $1.20 per extra unit; 14-day trial of Pro. The page shows both pounds and dollars. Read November 3, 2026.
13. Baselane: pricing, Baselane. Core $0; Smart $20 a month on an annual plan with a 30-day trial; fees such as $2 for ACH rent, 3.49% for card rent, tenant screening from $24.99. Read November 3, 2026.
14. Monarch: net worth, Monarch. Real estate by syncing Zillow Zestimates; vehicles listed in net worth; manual accounts for any asset not connected. Read November 3, 2026.
15. What is a Zestimate?, Zillow. Zillow publishes the Zestimate’s median error: roughly 7% for off-market homes, and wider in some metros. Figures as summarized in search results for Zillow’s pages; open the page for the current table.
16. Wills Survey 2025, Caring.com, with YouGov. 24% of respondents have a will, down from 33% in 2022 (more than 2,500 US adults). Read November 3, 2026.