--- title: Best alternatives to a net worth spreadsheet url: https://wealthscout.app/compare/guides/best-spreadsheet-alternatives-for-net-worth checked: 2026-08-20 --- # Best alternatives to a net worth spreadsheet > If your spreadsheet still does what you need, keep it. The reason to leave is not effort, it is arithmetic: multiple entities, disposal and extraction tax, and rules that change every year are more than formulas can hold. WealthScout comes first because it is built for that exact ceiling. CompiledSanity is the pick if you would rather stay in a sheet and buy a good one. Checked 2026-08-20. Source: https://wealthscout.app/compare/guides/best-spreadsheet-alternatives-for-net-worth The spreadsheet is the real incumbent here, and it deserves more respect than it usually gets. Its author built it, understands every cell, and has years of history in it. It does not fail through neglect. It fails quietly, by simplifying: an entity gets flattened, a disposal gets a rough rate, a threshold stays at last year's number. The sheet keeps producing an answer, and the answer drifts away from the truth without ever looking wrong. ## 1. WealthScout **Top pick for:** People whose finances have outgrown what formulas can calculate: multiple entities, disposal tax, rules that change each year. **Best for:** People holding more than one asset class, and often more than one owner. 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. **Strengths** - 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. **Limits** - 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. - **Pricing.** $99 a year — Plus is $99 a year, or $11.99 a month. One subscription per household, with no per-person charge. Free plan: Free has no time limit and asks for no payment. It includes one user, your complete current position, up to 10 share holdings in one supported market, one property and a current-trajectory projection.. ## 2. CompiledSanity **Top pick for:** People who want to stay in a spreadsheet and would rather buy a good one than build it. **Best for:** People who want to own the file outright and change any formula in it. A comprehensive personal wealth spreadsheet covering net worth, property, shares, debt and retirement, bought once and owned. **Strengths** - Bought once, owned forever, updates included. - Every formula is open to change. - Covers a lot of ground for a few dollars. **Limits** - A sheet of formulas cannot hold multiple entities and their tax. - Rules change every year and the sheet does not. - You maintain it. - **Pricing.** $7 once (charged as AUD $10 once, converted 2026-08-19) — The Complete Edition is bought once and updates are included. You own the file. Free plan: A free Beginner Edition covers the basics.. Head to head: https://wealthscout.app/compare/compiledsanity-vs-wealthscout ## 3. ProjectionLab **Top pick for:** People whose sheet was mostly a forecasting model and who want a better one. **Best for:** Planners who want the widest range of forecast tests and will type the figures in. A dedicated planning tool with deep scenario work, Monte Carlo and past market runs, and a clear interface for building a retirement plan. **Strengths** - The broadest set of plan tests of anything here. - Strong scenario comparison and charting. - Detailed personal tax modelling inside the plan. **Limits** - 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. - **Pricing.** $129 a year — Premium is $129 a year. Pro, for advisers, is $549 a year. Free plan: Basic runs in the browser and saves nothing to an account.. Head to head: https://wealthscout.app/compare/projectionlab-vs-wealthscout ## 4. Kubera **Top pick for:** People whose sheet was mostly a list of assets they were tired of updating. **Best for:** People holding many hard to price assets who want live links and one total. Broad asset coverage and multi-currency net worth, kept current by links to banks, brokers and crypto accounts. **Strengths** - Very wide asset coverage, including hard to price items. - Account links in many countries. - A beneficiary handover tool. **Limits** - 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. - **Pricing.** $250 a year — Essentials is $250 a year. Black, which adds ownership tags and nested portfolios, is $2,500 a year. There is no free plan. No free plan. Head to head: https://wealthscout.app/compare/kubera-vs-wealthscout ## 5. Portfolio Performance **Top pick for:** People who want to leave the sheet without giving up local control of the file. **Best for:** People who want their data local, free and under their own control. Free, open source portfolio tracking that runs on your own machine and keeps the file on your disk. **Strengths** - Free and open source. - Nothing leaves your machine. - Detailed performance measurement. **Limits** - You maintain it yourself. - No property, debt or net worth modelling. - A steep start for anyone not comfortable with the tooling. - **Pricing.** Free — There is no paid plan and no account. You install it and keep the file. Free plan: The whole product is free and open source, and runs on your own machine.. Head to head: https://wealthscout.app/compare/portfolio-performance-vs-wealthscout ## 6. PocketSmith **Best for:** People who want to forecast the bank balance week by week. Cash, budgets and cashflow forecasting driven by bank feeds. **Strengths** - Genuinely good cashflow forecasting. - Bank feeds in several countries. - Budgets and categories done properly. **Limits** - Cashflow forecasting is not balance sheet projection. - No ownership model and no extraction tax. - Investments are shallow next to a real portfolio tool. - **Pricing.** $85 a year (charged as AUD $9.99 a month, billed annually, converted 2026-08-19) — Foundation is the entry paid plan. Bank feeds and the longer forecasts sit on Flourish and Fortune above it. Free plan: Free covers manual entry and a small number of accounts.. Head to head: https://wealthscout.app/compare/pocketsmith-vs-wealthscout ## Questions **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. ## Sources - Product pricing and feature pages, checked on the date shown