Best alternatives to a net worth spreadsheet

The options, ranked by fit

1. 1

   WealthScout

   $99 a year USDchecked August 20, 2026

   The pick for: People whose finances have outgrown what formulas can calculate: multiple entities, disposal tax, rules that change each year.

   Records shares, property, cash, debt, retirement accounts, income and spending against the owner of each asset, then projects their value over time, calculating tax on returns while assets are held and again when money is paid out to a person.

   Strong at

   • Share and crypto prices update automatically, so your net worth reflects current market values without a bank connection.
   • An owner on every asset, including trusts, companies and retirement structures.
   • Projections use the figures you already track, so you do not retype them.
   • Thirteen countries with local tax treatment.
   • Reports and projections use the same dated figures, so they cannot disagree.

   Where it stops

   • No bank or broker connections. Broker files are imported and checked before they post.
   • No tax returns and no jurisdiction tax reports.
   • Opens to the public country by country.

   WealthScout pricing
2. 2

   CompiledSanity

   $7 once USDchecked August 20, 2026

   The pick for: People who want to stay in a spreadsheet and would rather buy a good one than build it.

   A comprehensive personal wealth spreadsheet covering net worth, property, shares, debt and retirement, bought once and owned.

   Strong at

   • Bought once, owned forever, updates included.
   • Every formula is open to change.
   • Covers a lot of ground for a few dollars.

   Where it stops

   • A sheet of formulas cannot hold multiple entities and their tax.
   • Rules change every year and the sheet does not.
   • You maintain it.

   AUD $10 once, converted on August 19, 2026CompiledSanity pricingCompiledSanity vs WealthScout
3. 3

   ProjectionLab

   $129 a year USDchecked August 20, 2026

   The pick for: People whose sheet was mostly a forecasting model and who want a better one.

   A dedicated planning tool with deep scenario work, Monte Carlo and past market runs, and a clear interface for building a retirement plan.

   Strong at

   • The broadest set of plan tests of anything here.
   • Strong scenario comparison and charting.
   • Detailed personal tax modelling inside the plan.

   Where it stops

   • Every value is entered and maintained by hand, so the plan becomes out of date between updates.
   • It keeps no ledger of trades, property costs or debt.
   • It does not model an entity's own tax or what extraction costs.

   ProjectionLab pricingProjectionLab vs WealthScout
4. 4

   Kubera

   $250 a year USDchecked August 20, 2026

   The pick for: People whose sheet was mostly a list of assets they were tired of updating.

   Broad asset coverage and multi-currency net worth, kept current by links to banks, brokers and crypto accounts.

   Strong at

   • Very wide asset coverage, including hard to price items.
   • Account links in many countries.
   • A beneficiary handover tool.

   Where it stops

   • It records a balance without recording who owns the asset.
   • It cannot project your net worth into the future.
   • No budgeting, and no free plan.

   Kubera pricingKubera vs WealthScout
5. 5

   Portfolio Performance

   Freechecked August 20, 2026

   The pick for: People who want to leave the sheet without giving up local control of the file.

   Free, open source portfolio tracking that runs on your own machine and keeps the file on your disk.

   Strong at

   • Free and open source.
   • Nothing leaves your machine.
   • Detailed performance measurement.

   Where it stops

   • You maintain it yourself.
   • No property, debt or household modelling.
   • A steep start for anyone not comfortable with the tooling.

   Portfolio PerformancePortfolio Performance vs WealthScout
6. 6

   PocketSmith

   $85 a year USDchecked August 20, 2026

   Best for: People who want to forecast the bank balance week by week.

   Cash, budgets and cashflow forecasting driven by bank feeds.

   Strong at

   • Genuinely good cashflow forecasting.
   • Bank feeds in several countries.
   • Budgets and categories done properly.

   Where it stops

   • Cashflow forecasting is not balance sheet projection.
   • No ownership model and no extraction tax.
   • Investments are shallow next to a real portfolio tool.

   AUD $9.99 a month, billed annually, converted on August 19, 2026PocketSmith plansPocketSmith vs WealthScout

Questions people ask

Why leave a spreadsheet that works?

Only when it has stopped calculating something correctly. The usual triggers are a second entity, a property disposal, or a retirement structure whose tax rules changed. If none of those apply, the sheet is fine.

Can I take my spreadsheet history with me?

WealthScout imports supported CSV and Excel share files and shows every trade before it posts. Historic net worth snapshots are entered rather than imported.

Is there anything as flexible as a spreadsheet?

No, and that is the trade. You give up total flexibility to stop maintaining the tax logic yourself. CompiledSanity is the middle ground: a spreadsheet somebody else keeps updated.