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

According to the Federal Reserve’s most recent Survey of Consumer Finances, real median US household net worth jumped 37% between 2019 and 2022 - the largest three-year increase on record. Many people respond by downloading a budgeting app and calling it a day. The concern: Budgeting screens often show spending, not the drivers of long-term wealth - assets, liabilities, taxes, and risk. This article explains how Rocket Money and PortfolioPilot differ on that front, and where each product may fit.

Key Takeaways

1. Rocket Money: Net worth tracking and several “premium” tools typically require a monthly subscription (generally $6–$12/month, with Rocket Money’s Terms listing $4–$12 depending on platform). 
2. PortfolioPilot: Net worth and portfolio tracking are available on the free tier; paid plans add tax optimization and deeper analytics.
3. Different cores: Rocket Money centers on budgeting, bill cancellation, and subscription control; PortfolioPilot centers on investment analysis, diversification, and planning. 

Rocket Money: Budgeting-first, with paid net worth features

Rocket Money (formerly Truebill) is a personal-finance app known for budgeting, subscription tracking, and bill negotiation. The core app is free to download; Premium unlocks expanded tools and human help. The company’s help center and Terms indicate that Premium generally ranges from $6 to $12/month, with a “choose-your-price” enrollment option. Net worth tracking and controls (for example, including checking in total assets) are described as Premium features.

What this means in practice:

• Scope: Link accounts and manually add assets or debts to view net worth over time. 
• Service layer: Optional bill negotiation charges a success fee (35% - 60%) of the first-year savings. This can be convenient for busy households, but it’s a separate cost. 

So what? For many households focused on spending control, Rocket Money’s workflow can reduce friction. But investors who want tax awareness or portfolio diagnostics may still need an investing-specific tool.

PortfolioPilot: Free net worth & portfolio tracking, with investing depth

PortfolioPilot is an AI financial advisor product from Global Predictions, an SEC-registered investment advisor. The free tier includes net worth and portfolio tracking; paid tiers add tax optimization, fee analysis, scenario modeling, and personalized investment insights.

What stands out for investors:

• Completely free tracking: Full portfolio and net worth tracking at no cost.
• Portfolio “report card”: A free assessment and score that benchmarks portfolios against peer groups.
• Flexible importing: Connect to over 12,000 brokerages, crypto wallets, and banks - or add data manually via screenshot, copy/paste, or entry.
• Independent advice: No continuous upsell into portfolio management services, unlike Personal Capital / Empower.
• From tracking to action: Surfaces diversification, fee, and tax insights with prioritized “what to do next” recommendations.
• Multi-asset coverage: Investments, retirement accounts, real estate, crypto, commodities, cash, and liabilities can all be tracked in one place.

So what? For long-term savers, the free tracking plus actionable insights can provide a clearer picture of net worth drivers without subscription barriers.

Why the difference matters

Hypothetical: Imagine a 34-year-old building net worth across a 401(k), brokerage account, and a mortgage. If they choose Rocket Money Premium at $6–$12/month, that’s $72–$144 per year for net worth controls and concierge-style tools; some Terms list as low as $48/year. Over 10 years, that’s $480–$1,440 before any bill-negotiation success fees. If they instead use PortfolioPilot’s free tracking and only add paid planning later, the out-of-pocket timeline looks different. Neither path is “right” for everyone; it depends on whether budgeting automation or investing analysis is the priority.

• Behavioral angle: People stick with tools that match their main pain point. Choosing a tracker that aligns with the primary job - controlling spend vs. improving portfolio decisions—beats chasing features that rarely get used.

The comparison is based on publicly available information from each provider’s website as of 11/19/2025. Features, fees, and methodologies may change over time.