The free net worth tracker that shows your real progress.
Income changes monthly. Spending changes daily. Net worth shows the trend that matters. EMOH Pay is Canada’s free net worth tracker — assets minus liabilities, charted over time, synced via Plaid or tracked manually. Free forever. No ads.
Your number: $29,010 and climbingYou check your balance daily. Your progress? Never.
A chequing balance is a snapshot. Net worth is the movie — and most Canadians have never seen theirs.
Chequing, TFSA, RRSP, mortgage, car loan — the full picture lives in five different logins.
Updated once a year, abandoned by February — progress you can’t see is progress you can’t steer.
A good salary with rising debt can mean falling net worth — and nothing on a payslip warns you.
Partners each see their own accounts — nobody sees what you’re building together.
One number, tracked beautifully
A personal wealth tracker that does the math, draws the chart, and keeps the whole household looking at the same picture.
Net worth over time
A clear graphical chart of your net worth month by month — see the trend, not just today’s number.
Track every asset
Cash, TFSA, RRSP, investments, property, vehicles — synced via Plaid where possible, added manually where not.
Watch liabilities shrink
Mortgage, loans, credit cards — every payment moves the chart. Debt payoff finally feels like progress.
Household net worth
One combined picture of what your family owns, owes, and is building — with separate logins for each member. Family budgeting →
Ask AI about your wealth
“How much did our net worth grow this year?” Instant answers from your real numbers. Explore Ask AI →
Any currency, one total
Assets in CAD, USD or anywhere else — converted at live rates into one clear net worth figure. Multi-currency →
Know your number in 4 steps
Ten minutes to set up. A lifetime of knowing where you stand.
Assets up, liabilities downReal progress, really tracked
From the first dollar saved to the mortgage paid down — Canadians watch their net worth grow on EMOH.
Every EMOH Pay feature — all free
The complete smart daily money tracking toolkit, around your net worth — the full toolkit, free.
Net worth milestones worth celebrating
Forget comparing to averages — these are the milestones that actually change how money feels.
| Milestone | Why it matters | EMOH helps by |
|---|---|---|
| $0 (out of the red) | Assets finally outweigh debts | Charting the crossover day |
| First $10,000 | A real emergency cushion exists | Goal bars & smart tips |
| Debt-free day (non-mortgage) | Cash flow becomes yours again | Watching liabilities hit zero |
| One year of expenses | Genuine breathing room | Net worth vs spending view |
| Household six figures | Compound growth takes over | One combined family chart |
Milestones are personal — track yours from wherever you’re starting. The chart doesn’t judge; it just climbs.
Free tracking vs the paid dashboards
More in our free budgeting app guide and money management app page.
| What matters | EMOH Pay | Monarch | Wealthsimple | Spreadsheet |
|---|---|---|---|---|
| Price | Free | ~US$99/yr | Free core | Free (your time) |
| Net worth chart over time | Partial | Manual | ||
| Manual assets (home, car) | — | |||
| Household combined view free | Paid | — | — | |
| Budget + expenses in same app | Basic | Manual | ||
| CAD-native & Français | — | — |
Comparison based on publicly listed pricing and features as of June 2026 — verify current details with each provider.
Net worth tracker FAQ
What is the best free net worth tracker in Canada?
EMOH Pay is a free net worth tracker built in Canada. Add your assets, debts and savings — or sync accounts via Plaid — and watch your net worth chart grow over time, in CAD or any of 148 currencies, with no subscription and no ads.
How do I calculate my net worth?
Net worth = everything you own (cash, savings, investments, property, vehicles) minus everything you owe (credit cards, loans, mortgage). EMOH does the math automatically and tracks how the number changes month to month.
Can I track assets and liabilities automatically?
Yes. Connect Canadian bank accounts and cards through Plaid with read-only access and balances update automatically. Property, vehicles and other assets can be added manually and updated anytime.
Can my household track net worth together?
Yes. With family account sharing, your household sees one combined net worth picture — what you own, what you owe, and how it’s trending — with separate logins for each member.
Is my financial data safe?
Yes. EMOH uses AES-256 encryption, biometric login and read-only bank connections, is PIPEDA and GDPR compliant, never sells data and never shows ads.
Build your full picture with EMOH Pay
The chart that shows progressKnow your number. Watch it grow.
Your net worth is ten minutes away — free forever, no card required.
Fed by your daily moneyWhat should you know about everyday budgeting?
Everyday budgeting comes down to three habits: know what comes in, decide where it goes, and check in daily. EMOH Pay makes all three effortless — free expense tracking and budgets on phone and web, a Daily Money Digest each morning, and bank-grade AES-256 security throughout.
Everyday budgeting: the essentials
Money works better as a team sport — shared live numbers end the guesswork and the arguments.
You can start everyday budgeting today at $0 — no card required, on iPhone, Android or the web.
The first win in everyday budgeting is simply seeing where money goes. Tracking alone typically surfaces 10–15% of easy savings.
AES-256 encryption, read-only bank connections and PIPEDA-grade privacy keep your data yours.
One app for everyday budgeting — on every screen.
Track on your phone in the checkout line, review on the web app at your desk. EMOH Pay keeps everyday budgeting in sync the second anything changes, so the numbers you act on are always current.
Start free on the web➜ Explore all features➜Real spending, really tracked
From the morning coffee to the monthly rent — Canadians log, tag and learn from every expense on EMOH Pay.
More from EMOH Pay
Start free today
Free on iPhone, Android and the web. Upgrade to EMOH Pro anytime — bank sync and advanced AI for just $4.99/month.
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