Best Net Worth Tracker Apps in New Zealand (2026): 6 Compared
Six apps that track net worth in New Zealand compared on KiwiSaver, property and mortgages, bank feeds and price, with who each one suits and where each falls short.
The best net worth tracker for New Zealanders depends on what you own. PocketSmith suits people who want net worth beside long range cash flow forecasts. BudgetBuddie and SortMe bring banks, KiwiSaver and investments onto one screen. Sharesight is the specialist for share portfolios. Fireball links KiwiSaver, property and mortgages to a financial independence plan.
Disclosure: this comparison is published by Fireball, which is one of the six apps reviewed. We describe every app, including our own, by what it does and where it falls short. Features and prices were checked on each provider's own website on 5 October 2026. They change, so confirm with the provider before signing up. This is general information, not personal financial advice.
What is net worth and why track it?
Net worth is everything you own minus everything you owe. Assets include cash, KiwiSaver, investments and property. Liabilities include your mortgage, student loan, car loan and credit cards.
A budget shows where this month's money went. Net worth shows whether you are getting ahead. Tracking it over time is the simplest way to see if saving, investing and paying down debt are working.
Net worth tracker apps compared
| App | What it counts | Automatic NZ feeds | Net worth included on | Paid plans from |
|---|---|---|---|---|
| PocketSmith | Cash, property, investments, vehicles and linked debts | Yes | All plans | $9.99 a month, billed yearly |
| BudgetBuddie | Banks, KiwiSaver and share portfolios | Yes | Pro plan only | $13.80 a month for Pro |
| SortMe | Net worth, mortgage, KiwiSaver and investments | Yes | Both plans | $99 a year |
| Sharesight | Shares, funds and other investments only | No bank feeds | Not a full net worth tool | Free for 10 holdings |
| YNAB | Budget accounts plus tracking accounts you update yourself | No | Its one plan | US$109 a year |
| Fireball | Banks, KiwiSaver, investments, property, mortgages and loans | Yes, on the Paid plan | Free and Paid plans | $99 a year |
All prices are in NZ dollars unless stated.
What should a net worth tracker do for New Zealanders?
A good one counts KiwiSaver, your home and your mortgage correctly, because that is where most household wealth sits.
- KiwiSaver is included. It belongs in your net worth, but it is locked until 65 in most cases, so it should not look like spending money.
- Property and mortgage sit together. You want to see equity, which is the home's value minus what you still owe.
- Home equity is separate from investable wealth. You cannot spend your house while you live in it, so a plan to stop work needs to know the difference.
- Joint assets count at your share. If you own a home or an account with a partner, half is not all.
- Balances update themselves. Connected accounts keep the figure current without a monthly spreadsheet session.
- History is kept. The trend matters more than any single number.
The apps in detail
PocketSmith
What it is: A long established personal finance platform founded in New Zealand, built around a calendar and cash flow forecasting.
Key features:
- Tracks property, investments and vehicles as well as cash
- Debts such as hire purchases, loans and mortgages can be linked to the asset they paid for
- Cash flow projections from 6 months on the free plan up to 60 years on the top plan
- Collaborator access for a partner, family member or coach, each with a separate login
Price: Free plan available. Foundation is $9.99 a month billed yearly or $14.95 monthly. Flourish is $16.66 or $24.95. Fortune is $26.66 or $39.95.
NZ bank feeds: Yes. Foundation covers 6 connected banks, Flourish 18 and Fortune is unlimited.
Strengths: Net worth sits beside one of the most detailed forecasting tools available, so you can see where your balances are heading.
Limitations: There is a lot to learn, and longer projections and more connections need the dearer plans. A long forecast is not a retirement plan: it does not set a financial independence target.
Best for: Detail minded people who want net worth and long range cash flow in one tool.
BudgetBuddie
What it is: A New Zealand dashboard that brings banks, KiwiSaver and share portfolios into one place, with budgets and goals.
Key features:
- One view of bank accounts, KiwiSaver and share portfolios
- Net worth tracker and retirement planner on the Pro plan
- Budgets, goals and cash flow
- Partners can be added to an account
Price: Free plan with 1 goal. Basic is $9.50 a month, Standard $10.35 and Pro $13.80. There is a 14 day free trial.
NZ bank feeds: Yes. Basic allows 2 connections, Standard 5 and Pro is unlimited.
Strengths: Good visibility when your money is spread across several providers.
Limitations: The net worth tracker is only on the Pro plan, so the cheaper plans do not answer the question this article is about.
Best for: People whose main problem is scattered accounts and who are happy to pay for Pro.
SortMe
What it is: A New Zealand money app with an AI assistant, connected through Akahu.
Key features:
- Net worth, mortgage, KiwiSaver and investments on one screen
- Connects KiwiSaver balances and investment providers such as Sharesies, Kernel and Hatch
- Household sharing with separate logins for you and your partner
- Budgeting, subscription tracking and cash flow forecasting
Price: Boost is $29 a month or $99 a year. Pro is $49 a month or $299 a year. There is a 7 day trial for $1 and a 30 day money back guarantee.
NZ bank feeds: Yes, including ANZ, ASB, BNZ, Kiwibank, Westpac, TSB and SBS.
Strengths: Net worth is included on both plans and sits in the same view as everyday spending.
Limitations: There is no free plan, and paying monthly costs far more than paying yearly.
Best for: People who want spending insights and net worth together and will pay yearly.
Sharesight
What it is: An investment portfolio tracker. It is not a budgeting app and does not track your whole net worth.
Key features:
- Tracks shares, exchange traded funds, managed funds and unlisted investments
- Multi currency portfolios and cash accounts
- Portfolio sharing on every plan
- Performance, dividend tracking and tax reporting
Price: Free for 10 holdings in 1 portfolio. Starter is $12 a month billed yearly for 30 holdings. Standard is $29 a month billed yearly for unlimited holdings. Premium is $49 a month billed yearly.
NZ bank feeds: No. It tracks investments, not bank accounts.
Strengths: Built only for investments, with performance, dividend and tax reporting that budgeting apps do not offer.
Limitations: It leaves out everyday accounts, your home and your mortgage, so you need something else for the full picture.
Best for: Investors who want detailed portfolio reporting alongside a separate net worth tool.
YNAB (You Need A Budget)
What it is: A budgeting app built around zero based budgeting, with a net worth report.
Key features:
- Net worth report covering all accounts, including tracking accounts
- Tracking accounts for assets such as investments and for debts such as loans
- One subscription can be shared by up to six people
Price: US$14.99 a month or US$109 a year. There is a 34 day trial.
NZ bank feeds: No. YNAB does not import directly from NZ banks, so balances are entered by hand or imported from files.
Strengths: A clear method that many people find changes their habits.
Limitations: Without NZ feeds, every asset balance has to be kept up to date by you. It is priced in US dollars and has no KiwiSaver connection.
Best for: People already committed to the YNAB method who do not mind manual updates.
Fireball
What it is: A budgeting and financial independence app built for New Zealand. Net worth is part of the Free plan.
Key features:
- Tracks bank accounts, KiwiSaver, investments, property, mortgages and loans
- KiwiSaver balances from supported providers, including Kernel, Simplicity, Fisher Funds, Generate, Booster, Pie, SuperLife and Milford
- A mortgage can be linked to its property, and home equity is kept separate from investable wealth. Mortgage also considered in budgeting.
- Joint accounts can be marked with your share, so only your part is counted
- A read only Interactive Brokers(IBKR) link brings in holdings, cash and margin loans once a day
- Net worth feeds a financial independence projection that includes KiwiSaver and NZ Super
Price: The Free plan includes net worth and investment tracking with accounts you enter yourself. The Paid plan is $10.99 a month or $99 a year and adds automatic connections.
NZ bank feeds: Yes, through Akahu on the Paid plan.
Strengths: Net worth is not a separate report. It drives the plan, so a change in your mortgage or KiwiSaver moves your projected date.
Limitations: Automatic connections need the Paid plan. It is newer than PocketSmith and YNAB. If you only want a single net worth figure, the planning tools may be more than you need.
Best for: People who want KiwiSaver, property and debts counted properly and tied to a long term plan.
Which net worth tracker should you choose?
- You want established platform: PocketSmith.
- Your accounts are scattered across providers: BudgetBuddie Pro or SortMe.
- You mainly hold shares and funds: Sharesight, beside another tool for the rest.
- You already use YNAB and accept manual balances: YNAB.
- You want net worth tied to KiwiSaver, your home and a financial independence date: Fireball.
- You want to see how your net worth connects to your financial future: Fireball brings your KiwiSaver, home, debts and other assets together, and helps you track progress towards financial independence.
Common questions
What is the best net worth tracker app in New Zealand?
It depends on what you own. PocketSmith is strongest for forecasting, BudgetBuddie Pro and SortMe bring banks, KiwiSaver and investments together, Sharesight is best for share portfolios, and Fireball ties KiwiSaver, property and mortgages to a financial independence plan.
Is there a free net worth tracker in New Zealand?
Yes. Fireball's Free plan includes net worth and investment tracking with accounts you enter yourself, and PocketSmith has a free plan with limits. Sharesight is free for up to 10 holdings but covers investments only. A spreadsheet also works if you update it regularly.
Should KiwiSaver count toward my net worth?
Yes. KiwiSaver is your money, so it is an asset. Keep in mind that it is generally locked until 65, with limited exceptions such as a first home withdrawal, so it should not be treated as money you can spend now.
Should I include my home in my net worth?
Yes, count the value of the home as an asset and the mortgage as a debt. It also helps to look at net worth without the home, because equity in the house you live in cannot pay your bills.
How do I calculate my net worth?
Add up what you own: cash, KiwiSaver, investments, property and vehicles. Subtract what you owe: mortgage, loans, student loan and credit cards. The result is your net worth. For a joint asset, count only your share.
How often should I check my net worth?
Once a month is enough for most people. Markets move daily, so checking more often adds noise. An app with connected accounts keeps the figure current, which makes the monthly check quick.
Summary
There is no single best net worth tracker for every New Zealander. PocketSmith leads on forecasting, BudgetBuddie Pro and SortMe on bringing accounts together, and Sharesight on investments. If you want KiwiSaver, your home and your debts counted properly and connected to a financial independence plan, Fireball is built for that.
Features and prices checked 5 October 2026. Fireball publishes this comparison and is included in it.
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