Define what you actually want to track
Before picking an app, write down what 'net worth' means to you. The standard definition is the sum of cash, investments, pensions and crypto, minus debts. The complications are: which of those does the app actually surface? Most spend-tracking apps under-deliver on investments. Most investment trackers under-deliver on cash and crypto. Few apps are equally good at both ends of the picture.
If you bank in the UK and the EU, throw 'multi-jurisdiction coverage' onto the list. Many UK-only and DE-only PFMs do not handle a French PEA or an Italian dossier titoli well, and vice versa.
What good coverage looks like
A serious net-worth tracker in 2026 should connect via PSD2-licensed AISP partners to:
- Major UK banks (Monzo, Starling, HSBC, Barclays, NatWest, Lloyds, Santander UK, Nationwide).
- Major EU banks across the launch markets (BNP Paribas, Société Générale, Credit Agricole, Deutsche Bank, Commerzbank, ING, Intesa, UniCredit, Santander, BBVA).
- Major brokers and Depots (Hargreaves Lansdown, AJ Bell, Trading 212, Trade Republic, Scalable Capital, Saxo, Boursorama, Fineco).
- Crypto exchanges (Binance, Coinbase, Bitpanda, Kraken, Crypto.com).
Refresh cadence and reliability
Daily refresh, automatic, with the 90-day PSD2 consent renewal handled cleanly is table stakes. Apps that still rely on screen-scraping or CSV imports will visibly fall behind for any active investor. When the consent renewal hits, the app should walk you through reconnecting in one tap, not lose your historical data and ask you to start over.
Reliability of a connection is something you can only measure after using the tool. Ask in the app's reviews whether connections to the brokers you care about are stable, or look for whether the app publishes a connector-status page. The big AISPs (Powens, Tink, Yapily, Plaid) all have it; absence is a soft warning.
Tax wrappers as first-class metadata
If you live in the UK or the EU and you are tracking investments, the wrapper is part of the holding. A FTSE 100 tracker held inside an ISA, inside a SIPP, or inside a GIA has different tax mechanics, different liquidity, and different decision-relevance. An app that lumps them together as 'investments' is missing the most useful piece of information you have.
The same applies to PEA, assurance-vie, PER, Depot, PIR and cuenta de valores. A serious EU-aware tracker treats them as distinct wrappers, not as a generic 'investment account' bucket.
AI on top, or not
The category of 'AI you can ask portfolio questions to' is genuinely new in 2026. The pre-AI apps surface dashboards: charts, totals, allocation. The AI-native ones add a chat layer that can answer questions like 'how much did I pay in fund fees this year' or 'where am I overexposed to US tech across all my brokers'.
Bank AI is in the second category. Sharesight, Snowball Analytics, Parqet, Emma, Snoop, Finanzguru and Bankin' are mostly in the first today. There is space for both shapes - the dashboard is good for the questions you know to ask; the AI is good for the questions you didn't.