Published 11 June 2026 · By James Chandler · 9 min read

Best net worth tracker UK (2026): Emma, Snoop, Aureli & Wealthly compared

Most "money apps" in the UK are really budgeting apps — they're brilliant at telling you where last month's salary went, and silent on what you're actually worth. Here's an honest look at the apps that try to track your net worth in 2026, including my own, and how to pick the right one.

I should declare my bias up front: I build Wealthly, one of the apps in this comparison. I've tried to keep this fair — where a competitor does something better, I've said so, and I've included a feature Wealthly doesn't have yet. The aim is to help you choose the right tool, which won't always be mine.

First, the 2026 landscape

The UK personal-finance app market has thinned out. Money Dashboard, for years the default recommendation, closed its consumer apps in October 2023 and pivoted to business open-banking services. Moneyhub is winding down its consumer offering in 2026. That churn has left a real gap, and a clearer split has emerged between two kinds of app:

• Budgeting / aggregation apps — built around your bank transactions: spending categories, subscriptions, bills. Net worth, if it appears at all, is a side feature limited to accounts you can link.
• Dedicated net worth trackers — built around your balance sheet: everything you own and owe, including the illiquid assets (home, pension, car) that never show up in a bank feed.

Which camp you want depends on the question you're trying to answer. "Where does my money go?" is a budgeting question. "Am I building wealth, and how fast?" is a net worth question. Let's look at the main contenders.

Emma

Emma is the big name in UK money apps, with over three million users. At its core it's a budgeting and aggregation tool: connect your banks via Open Banking and it categorises spending, tracks subscriptions, flags wasteful direct debits, and nudges you to save. It's genuinely good at that.

Emma does have a net worth feature, but it sits on the paid tiers (net worth and investment tracking come in on Emma Pro at £9.99/month, with cheaper Plus and pricier Ultimate plans either side; pricing as of mid-2026). Because it's aggregation-led, its net worth is strongest for things it can link to — bank accounts, some investment and crypto platforms — and weaker for assets that aren't connectable, like your home's value, your car, or an old defined-benefit pension.

Best for: people who primarily want budgeting and spending insight, with a net worth figure as a bonus.

Snoop

Snoop, now owned by Vanquis Banking Group, is a money-saving and switching app. It watches your spending for ways to cut bills, spots price rises, and surfaces deals. It's free and well-made for what it does.

It isn't really a net worth tracker, though. There's no concept of a balance sheet that brings in property, pensions and vehicles. If your goal is to lower your outgoings, Snoop is worth a look; if it's to see your total wealth over time, it's the wrong category of tool.

Best for: cutting bills and catching price increases, not measuring wealth.

Aureli

Aureli is the closest thing to a direct peer of Wealthly: a UK-native, dedicated net worth tracker that treats assets, debts, pensions, property and investments as the main event, deliberately leaving budgeting noise out. ISAs, SIPPs, workplace pensions and property equity are first-class, which makes it a genuine option for UK savers. Pricing is around £7/month or £60/year, with a free tier (as of mid-2026).

If you want a pure net worth tracker and Wealthly isn't to your taste, Aureli is the obvious alternative to try — they share a philosophy. The differences come down to the specifics of how each one values your assets, which is where I'd point you to test both.

Best for: people who want a budgeting-free, balance-sheet view of UK wealth.

Wealthly

Wealthly is a dedicated net worth tracker built around one idea: most apps stop at the bank balance, and your real wealth is mostly outside it. So the things other apps skip are the things Wealthly treats as core.

• Property valued with the official Land Registry House Price Index applied to your actual purchase price — the same index lenders use — rather than an opaque portal estimate.
• Vehicles valued from DVLA data plus a depreciation model, so your car is tracked as the depreciating asset it is.
• Pensions across all three UK types — DC pots, defined-benefit schemes, and the State Pension — with a retirement-income projection using the 4% rule.
• Plus the usual: cash, ISAs, investments, debts, and a net worth history chart over time.

It's £7.99/month or £59.99/year, on iOS, Android and web. Here's the honest weakness: Wealthly doesn't yet have live bank-account auto-sync — that Open Banking integration is built and in testing but not switched on, so for now bank balances are entered or updated manually. Emma and Snoop, being aggregation-led, are ahead there. If automatic transaction syncing is your top priority today, factor that in.

Best for: homeowners and pension-holders who want their whole balance sheet — property, car and pensions included — not just their current account.

The comparison at a glance

Competitor features and pricing are as published in mid-2026 and may change — check each app for current details. "Some" / "Partial" reflect features that exist but are limited or tier-dependent.

So which should you choose?

Forget "best" in the abstract — it depends entirely on the job you're hiring an app for.

• You want to control spending and cut bills: Emma for budgeting, Snoop for savings and switching. Net worth isn't really the point of either.
• You want a clean, budgeting-free picture of your total UK wealth: a dedicated net worth tracker — Aureli or Wealthly. Try both; they share the philosophy and differ in the details.
• Your wealth is mostly in your home, pension and other illiquid assets: this is exactly where Wealthly is built to be strongest — Land Registry property valuation, DVLA vehicle values, and all three pension types with a retirement projection.
• Automatic bank syncing is non-negotiable today: an aggregation-led app (Emma) has the edge right now, since Wealthly's live bank feed is still in testing.

The honest summary: if your financial life is mostly visible in your bank feed, a budgeting app will serve you well. If most of your wealth sits outside the bank feed — in bricks, pensions and a car on the drive — you want a dedicated net worth tracker, and that's the gap Wealthly was built to fill.

Want a 60-second sense of your own number before installing anything? Try the free Wealthly net worth calculator — no signup, includes property and pension fields.

Frequently asked questions

What's the difference between a budgeting app and a net worth tracker?

A budgeting app (Emma, Snoop) is organised around your transactions — where money comes in and goes out. A net worth tracker is organised around your balance sheet — everything you own and owe at a point in time, including assets that never appear in a bank feed like your home, pension and car. Budgeting answers "where did my money go?"; net worth answers "am I building wealth, and how fast?"

Is there a free net worth tracker in the UK?

Yes — Emma, Aureli and Wealthly all have free tiers, though the more advanced net-worth features (investment tracking, projections, property valuation) usually sit on paid plans. If you just want a quick figure with no signup, a free net worth calculator is the fastest start.

What happened to Money Dashboard?

Money Dashboard closed its consumer apps in October 2023 and now focuses on business open-banking services. If you used it, you'll need to move to an alternative — Emma for budgeting, or a dedicated net worth tracker like Aureli or Wealthly if your priority is total wealth rather than spending.

Can one app track my pension and my property together?

Most can't — budgeting apps typically skip both. Dedicated net worth trackers are the place to look: Wealthly values property with the Land Registry House Price Index and handles DC, defined-benefit and State pensions with a retirement projection, all alongside your savings and debts.

Do UK net worth apps connect to my bank automatically?

Budgeting-led apps (Emma, Snoop) are built on Open Banking, so yes. Dedicated net worth trackers vary: some offer bank linking, others lean on manual updates for accuracy. Wealthly's live bank sync is built and in testing but not switched on yet, so bank balances are entered manually for now.

More reading: Your real UK net worth: 5 assets every other app misses · Land Registry HPI vs Zoopla · DB, DC and State Pension: tracking all three