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The best habit tracker with net worth tracking

Looking for the best habit tracker with net worth tracking built in? Todoku is one. It tracks your habits and your net worth in the same app, on your phone, with no sign-up needed. Tick your habits each day. Log your accounts, investments, crypto, gold and debts, and watch one number move over time. Because both live in one place, Todoku can show you whether your good habit weeks and your good money weeks line up. It is free, with as many habits and accounts as you like.

Updated September 2026

What does the habit side do?

• Track three habits or thirty. Daily, so many times a week, or every few days.
• Link habits into routines. Your morning runs as one flow, with a timer on each step. The timer runs off the clock, so it keeps going when the screen goes dark.
• Off Mode pauses the schedule when you are away or ill. Nothing is due, your streaks are safe, and it starts again on its own.
• Tick a habit from a widget on your home screen, without opening the app.
• Break a habit too. A quit counter keeps your clean days next to the habits you are building.

What does the net worth side do?

• Log cash, property, cars, investments, crypto, gold, silver and every debt. Todoku adds them into one number and keeps the history behind it.
• Deposits and returns sit side by side. Money you paid in is never counted as growth.
• Trading 212 connects with your own key, straight from the phone. It only reads your balance and holdings, and the key never goes into a backup.
• Crypto is priced by the amount you hold, or by wallet address. Gold and silver are priced by weight. All at live rates, on your phone.
• Import a bank statement or a net worth history as a CSV file. Most bank and broker exports work as they are.

How do habits and net worth fit together?

• Todoku opens on today. Which habits are still open, what you spent, and how long you focused, on one screen.
• The Patterns card looks at your habits, mood, focus and spending across every day you have logged. It tells you which ones move together.
• Your month and your year become recap cards, with your habit check-ins and your net worth on them, made on your phone.

Where does my data live?

• On your phone. No server holds it. The Play Store data safety page says no data collected.
• Export any time, with a password on the file if you like. A backup is saved to your phone every week on its own.
• Everything is worked out on the device. Only live prices need a signal.

What does Todoku cost?

Putting your data in, taking it out, and every share card are free for good. You pay through Google Play, so a new phone gets your purchase back and Todoku never sees your card.

The short version

Todoku is the habit tracker with your net worth in it, on your own phone. For the longer case for one app over five, read what the best life tracker has to do. To see Todoku next to a named app, start at Todoku compared.

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