The Best Net Worth Apps in Australia
We compared the five most-used wealth apps for Australians on property valuation, superannuation, SMSF look-through, Up Bank support, crypto, and AI. Here's what we found.
| Feature | Auravest | Sharesight | PocketSmith | WeMoney | Kubera |
|---|---|---|---|---|---|
| Property valuation | |||||
| Super (APRA) | |||||
| SMSF look-through | |||||
| Up Bank direct API | |||||
| Crypto wallet sync | |||||
| AI assistant | |||||
| AU tax rules native | |||||
| Monte Carlo retirement |
App-by-app breakdown
#1
Auravest
The all-Australian wealth dashboard with AI
Best for
Total household net worth across property, super, SMSF, shares, crypto, Up Bank
Watch out for
AU-only focus (not relevant if you live overseas)
#2
Sharesight
Investment portfolio tracker with strong tax reporting
Best for
ASX share investors who care about tax reporting
Watch out for
Investments only — doesn't track property, super or full net worth
#3
PocketSmith
Cashflow forecasting with budget calendar
Best for
Households focused on cashflow forecasting and budgeting
Watch out for
Cashflow-first; net worth across investments and property is thin
#4
WeMoney
Free credit score, debt and budgeting
Best for
Free credit score monitoring and getting started with debt visibility
Watch out for
Credit and debt focus; partner offers throughout; no SMSF, no property, limited investments
#5
Kubera
Global wealth tracker with crypto and private equity
Best for
Globally-mobile households with assets across multiple countries
Watch out for
USD-priced ($150/yr USD), no Australian tax context, no direct Up Bank
Frequently asked questions
What is the best net worth app in Australia?
The best net worth app depends on what you need to track. For total household net worth across property, super, SMSF, shares, crypto and Up Bank, Auravest is purpose-built for Australia. Sharesight remains strong for investment-only tracking with tax reporting. PocketSmith leads on cashflow forecasting. WeMoney is free and good for credit/debt visibility. Kubera covers globally-mobile households.
Is there a free net worth app for Australians?
Yes. Auravest offers a free trial and a free ungated Australian Net Worth Calculator at /tools/net-worth-calculator-australia. WeMoney is free (ad-supported with partner offers). Most full-featured wealth trackers in Australia (Sharesight, PocketSmith, Auravest paid plans) cost between $10 and $40 AUD per month.
Which net worth app handles SMSFs best?
Auravest is built around SMSF look-through — track the fund as a member balance line, plus the underlying holdings (shares, property, crypto, cash) for accurate allocation. Sharesight handles share holdings inside an SMSF but doesn't track property or member balance natively. Kubera, PocketSmith and WeMoney don't model SMSFs.
Which app connects to Up Bank?
Auravest connects directly to Up Bank using the official Personal Access Token API (read-only). Some other Australian apps connect via aggregators like Yodlee or Basiq, which work but add a layer of credential management. WeMoney connects to Australian banks via aggregator. Sharesight and Kubera do not connect to Australian retail bank accounts.
How do I pick a net worth app?
Three questions: (1) Do you own property or have an SMSF? If yes, pick an app that values both. (2) Do you want monitoring or forecasting? Monitoring leans Auravest/Sharesight; forecasting leans PocketSmith. (3) Do you want AI in the loop? Only Auravest currently offers a conversational AI assistant trained on your own AU wealth data.
Ready for the all-Australian view?
Auravest unifies what other apps split across three or four subscriptions.