Net worth tracking comparison: PortfolioPilot vs Lunch Money (2025)

According to the Federal Reserve’s 2022 Survey of Consumer Finances, the share of US families holding stocks directly rose to 21%, and more than half held retirement accounts. As more households accumulate multiple accounts across employers, brokers, and banks, tracking net worth has become both more important and more complex. The challenge is that not all “net worth” tools solve the same problem. Some focus on day-to-day budgeting, while others emphasize long-term portfolio analysis. This article compares Lunch Money (budgeting-first) with PortfolioPilot (investing-first) to show how each fits different needs.

Key Takeaways

1. Different focus: Lunch Money is a budgeting-first app with multi-currency and crypto support; PortfolioPilot is an investing-first platform with free net-worth tracking plus portfolio diagnostics.
2. Cost model: Lunch Money requires a paid subscription ($10/month or $100/year after trial). PortfolioPilot offers completely free net worth and portfolio tracking.
3. Depth: Lunch Money emphasizes spending plans, categorization, and recurring expenses; PortfolioPilot emphasizes diversification, fee visibility, and tax impact—plus a free portfolio “report card.”
4. Scope: Both connect to financial accounts, but PortfolioPilot aggregates brokerage, retirement, real estate, crypto, and liabilities for household-level analysis, while Lunch Money remains budgeting-centric.

Lunch Money: Budgeting engine with a clean net-worth view

Lunch Money is designed for daily money management: link accounts, categorize transactions, and track progress with a net worth calculator. Its features page highlights multi-currency, a crypto portfolio tracker, rules, recurring expenses, and analytics. Pricing is transparent: $10/month or $100/year, after a 30-day trial. 

Where it stands out

• Strong spending plan and categorization rules
• Net-worth charting paired with day-to-day cash-flow tools
• Web-first experience with a lightweight mobile companion 

Trade-offs to note

• Core tracking requires a paid subscription
• Investment analysis is lighter than dedicated portfolio tools (useful snapshots, not deep portfolio diagnostics)

PortfolioPilot: Free tracking plus AI portfolio analysis

PortfolioPilot takes an investing-first approach. Unlike budgeting apps, it delivers a household-level portfolio view designed to highlight risks, taxes, and diversification - not just balances.

• Completely free tracking: No subscription required for full portfolio tracking, with an optional paid tier that includes monthly recommendations.
• Portfolio “report card”: Free assessment and score that benchmarks you against peers.
• Flexible importing: Connect to over 12,000 brokerages, crypto wallets, and banks, or import data via screenshot, manual entry, or copy/paste.
• Independent advice: Neutral analysis, not continuous upsells into portfolio management.
• From tracking to action: Surfaces prioritize recommendations on what to do next, instead of stopping at dashboards.
• Multi-asset coverage: Monitor investments, retirement accounts, real estate, crypto, commodities, liabilities, and cash in one place.

So what? For long-term savers and investors, PortfolioPilot’s free suite transforms the net worth number into actionable insights on diversification, tax drag, and fees, helping households see not just what they own, but how it’s working.

The comparison is based on publicly available information from each provider’s website as of 09/22/2025. Features, fees, and methodologies may change over time.