If you have money spread across multiple brokerages, retirement accounts, and investment platforms, you already know the frustration: logging into four different apps to piece together a picture that should be available in one place. The right investment tracking tool pulls all of it together — automatically — so you can see how your portfolio is actually performing, not just what one account is showing you today.
The best tool for most investors is Quicken Simplifi. It connects to more than 14,000 financial institutions, tracks every major account type, and calculates both Internal Rate of Return (IRR) and Time-Weighted Rate of Return (TWR) so you see the full picture of your performance. It pairs that investment depth with retirement planning, projected cash flows, and day-to-day money management — at a price that undercuts most comparable alternatives.
Here’s how Simplifi and seven other tools stack up, based on what each one actually does and who it’s built for.
At a glance
- Best overall: Quicken Simplifi
- Best for self-employed professionals and small business owners: Quicken Business & Personal
- Best free option: Empower Personal Dashboard
- Best for Apple and web users: Copilot Money
- Best for complex and alternative asset portfolios: Kubera
- Best for dividend-focused investors: Snowball Analytics
- Best for global and multi-market portfolios: Sharesight
- Best for automated, hands-off investing: Betterment
Quicken Simplifi — best overall investment tracker
Price: $3.99/month (billed annually)
Quicken Simplifi gives you a complete, real-time view of your portfolio — across every account, every brokerage, and every asset type — in one dashboard that also shows your spending, savings goals, and projected cash flow. For investors who want depth without complexity, it’s the most complete option available.
What sets it apart for investment tracking
Simplifi calculates two performance metrics that, together, tell the whole story of how your portfolio is doing:
- Time-Weighted Return (TWR): Strips out the impact of when you deposited or withdrew money to show how well your actual investment selections performed — the metric financial professionals use to evaluate investment decisions independently of cash flow timing
- Internal Rate of Return (IRR): Accounts for the timing and size of your contributions and withdrawals to show your actual dollar-weighted return as an investor
Having both in one view means you can see whether your investment strategy is working (TWR) and whether your contribution timing and amounts are helping or hurting overall (IRR). Most brokerage apps show neither.
Investment tracking features:
- Connects to 401(k)s, traditional and Roth IRAs, brokerage accounts, 403(b)s, and other retirement accounts at more than 14,000 financial institutions
- Tracks stocks, ETFs, mutual funds, bonds, and cryptocurrency in one unified portfolio view
- Real-time market prices updated throughout the trading day
- Drill into any holding, account, or asset class to view balance history and performance over any time period
- Total costs and gains to help identify tax implications across your holdings
- Personalized news feed delivering updates tied to your specific portfolio positions
Beyond investments:
Simplifi’s investment tracking doesn’t exist in a silo. The built-in Retirement Planner lets you model up to 15 variables — contributions, tax rates, expected pre- and post-retirement returns, life expectancy, Social Security income, inflation, and more — so you can connect your portfolio today to a concrete retirement timeline. Projected cash flows show expected account balances weeks or months ahead, and unlimited savings goals let you plan toward specific targets alongside your investment picture.
Named Best Overall by PC Magazine (2024, 2025), PC Magazine’s Reader’s Choice for Top Personal Finance Software (2025, 2026), Best App for Planners by CNBC Select (2024, 2025, 2026), and Most Comprehensive Portfolio Management Software Tools by Investopedia (2025), Quicken Simplifi also earned the FinTech Breakthrough Personal Finance App of the Year award in 2026.
Best for: Investors who want sophisticated portfolio analytics — TWR, IRR, full multi-account tracking — alongside a complete personal finance picture, at an accessible monthly price.
Quicken Business & Personal — best for self-employed professionals and small business owners
Price: $4.99/month (billed annually)
For freelancers, contractors, and small business owners, investment tracking doesn’t happen in isolation — it’s part of a financial picture that includes client invoices, business expenses, and quarterly estimated taxes. Quicken Business & Personal is the only tool that brings all of it together in one place.
Built on the same foundation as Quicken Simplifi, Business & Personal includes every personal finance and investment tracking feature Simplifi offers — TWR and IRR calculations, a full real-time portfolio view, a Retirement Planner with up to 15 variables, projected cash flows, unlimited savings goals, and the personalized news feed — and adds a complete business finance layer on top.
Investment and portfolio tracking: Identical to Quicken Simplifi — all account types connected automatically, real-time market data, full performance analytics, and retirement modeling.
Business tools that complete the picture:
- Business and personal accounts in one view, with clear and accurate separation between the two
- Invoicing with online payment integration via Stripe
- Business cash flow management and forecasting
- Business reports including P&L, cash flow, balance sheet, and Schedules C, E & F
- Manage up to 10 businesses under a single subscription
- Automatic categorization of business vs. personal transactions
- Year-round tax readiness with built-in business tax schedules
For self-employed investors, seeing how business income, personal savings, and investment performance interact in one dashboard — without juggling multiple apps or paying for separate subscriptions — is a meaningful advantage. The completeness of the personal finance features within Business & Personal is what sets it apart: other business finance tools may include some personal finance categories, but none include a full personal finance suite like the one built into Quicken Business & Personal.
Best for: Freelancers, contractors, and small business owners who want to track their investment portfolio and business finances together, with full functionality on both sides.
Empower Personal Dashboard — best free investment tracking tool
Price: Free (wealth management advisory services are separate and fee-based)
The Empower Personal Dashboard is the most capable free investment tracking tool available. It connects all your financial accounts — IRAs, 401(k)s, other retirement plans, investments, mortgages, loans, savings accounts, checking accounts, credit cards, and more — and delivers portfolio analysis, net worth tracking, budgeting, and retirement planning tools at no cost.
Named “Best budget app for tracking wealth and spending” by NerdWallet (January 2026), and “Best Budgeting App for Tracking Net Worth” by Forbes Advisor (2025), Empower’s dashboard gives you a meaningful overview of where your investments stand.
What the free dashboard includes:
- Portfolio analysis: track performance vs. benchmarks, review asset allocations, and assess your risk level
- Net worth tracking across all connected accounts
- Budgeting and cash flow monitoring
- Retirement Planner for modeling future scenarios
- Savings Planner, debt paydown tracker, emergency fund calculator, and transaction history
The free tools are genuinely useful for getting a consolidated view of your financial picture. It’s worth knowing how Empower’s model works: the dashboard is the entry point to Empower’s paid wealth management services, which carry advisory fees and require substantial balances for personalized financial planning. The free tools will give you portfolio visibility, but they won’t integrate your daily spending plan, savings goals, and investment view the way a dedicated personal finance platform does.
Best for: Investors who want solid portfolio analysis, retirement modeling, and net worth tracking without a subscription cost — and who aren’t looking for budgeting and spending management alongside their investment view.
Copilot Money — best for Apple and web users
Price: $13/month (monthly billing); save 39% billed annually
Copilot Money takes a design-first approach to personal finance and investment tracking. The app brings spending, budgeting, investments, and net worth together in an interface built for clarity and speed. It’s available on iPhone, iPad, Mac, and web (web support launched December 2025).
Investment and wealth tracking features:
- All accounts on one screen: investment accounts, cryptocurrency, and real estate (tracked via Zillow address)
- Allocation view across equity, crypto, ETF, and cash
- Live performance estimates throughout the trading day
- Automatic transaction categorization using AI that learns your spending patterns
- Cash flow tracking with monthly summaries and trend visibility
- Subscription detection and upcoming bill alerts
Copilot uses AI to surface relevant financial insights across your accounts. A personal money assistant — in beta as of April 2026 — proactively flags patterns and changes across your spending, budgets, and account activity without requiring you to dig for them. The platform also added two-factor authentication in March 2026 and crypto exchange connectivity in web in April 2026.
Note that Copilot does not currently offer an Android app — based on the platform’s availability page, support is limited to iPhone, iPad, Mac, and web. Investors who use Android devices or want identical experiences across all platforms should factor this in.
Best for: Investors who prioritize a visually polished, intuitive interface and primarily use Apple devices or web browsers, and want spending, budgeting, and investments tracked together.
Kubera — best for complex and alternative asset portfolios
Price: $250/year (Essentials); $2,500/year (Black, for complex ownership structures)
Trial: 14 days, fully loaded; no credit card required to start
Kubera was built for investors whose wealth doesn’t fit in a standard brokerage account. If your portfolio includes cryptocurrency, real estate, private equity, alternative investments, or assets held across multiple entities and currencies, Kubera brings all of it into one unified balance sheet.
What Kubera tracks:
- Banks and brokerages (using multiple aggregators for broader and more reliable connectivity than single-provider solutions)
- Digital assets: cryptocurrency, DeFi positions, NFTs, staking, and lending across major blockchains and exchanges
- Alternative investments: private stocks, LP positions, and Carta-integrated equity with support for capital calls and IRR
- Physical assets: gold, real estate, vehicles, jewelry, and other tangible holdings with AI-assisted appraisals
- Multiple entities: trusts, LLCs, subsidiaries, and partnerships (Kubera Black tier)
Other features:
- Multi-currency support built around global wealth management from the ground up
- Portfolio sharing with family members, advisors, and accountants with granular access control
- Cash management and forecasting to monitor liquidity across accounts
- Proof of wealth documentation for accredited investor verification and proof of funds
- Dead Man’s Switch: securely delivers portfolio access to designated beneficiaries after a defined period of silence
- No ads, no data selling — revenue comes entirely from subscriptions
Kubera doesn’t track daily spending, budgets, or bills. It’s a wealth tracker and balance sheet tool, not a personal finance platform. For investors with conventional brokerage and retirement accounts who also want day-to-day money management, a more comprehensive tool serves better.
Best for: High-net-worth investors and those with alternative, crypto-heavy, global, or multi-entity asset portfolios who want a sophisticated balance sheet view without routing it through a financial advisor.
Snowball Analytics — best for dividend-focused investors
Price: Free tier available; paid plans with a 14-day free trial, no credit card required
Snowball Analytics was built around dividend investing. Where most portfolio trackers show you what your holdings are worth today, Snowball adds a layer of analytics specifically around dividend income: current yield, projected future payments, dividend growth trends over time, and a Dividend Rating metric that evaluates each holding’s financial health across 13 fundamental parameters to assess the likelihood of dividend continuation or reduction.
Tracking scope:
- Automatic brokerage connections with more than 1,000 brokers
- 70+ exchanges worldwide
- 25+ currencies
- Asset types: stocks, funds and REITs, precious metals, currency, and custom assets
- Internal Rate of Return (IRR) calculation for true portfolio return
- 4.8 rating on App Store (4,200 ratings) and Google Play (2,300 ratings)
Dividend analytics:
- Dividend calendar: tracks upcoming payout dates and projected payment amounts
- Dividend growth charts: visualizes how company payouts have grown year over year
- Future income forecasting based on current holdings and historical payout patterns
- Dividend Rating: a proprietary metric calculated from 13 fundamental parameters to assess dividend sustainability
Portfolio analytics:
- Benchmarking against S&P 500, NASDAQ, FTSE, TSX, and other major indices
- Sharpe ratio, Sortino ratio, and Beta coefficient for risk-return analysis
- Portfolio rebalancing tool with purchase recommendations to maintain target allocations
- Multi-period performance charts by holding and category
- Contribution analysis by source: capital gains, dividends, and realized P&L
Snowball’s dividend analytics go deeper than any other tool in this list for income-focused strategies. For investors who are not primarily dividend-focused, some of that analytical depth may be underused. The platform does not include budgeting, spending tracking, or retirement planning tools.
Best for: Dividend investors building passive income portfolios who want detailed income forecasting, company dividend health ratings, and multi-exchange tracking in a dedicated tool.
Sharesight — best for global and multi-market portfolios
Price: Free (1 portfolio, up to 10 holdings); Starter $7/month; Standard $18/month; Premium $23.25/month (all billed annually)
Sharesight is designed for self-directed investors who hold positions across multiple markets and want performance reporting that captures the full picture — capital gains, dividends, brokerage fees, and currency fluctuations calculated together, not separately.
More than 500,000 investors track their portfolios with Sharesight. The platform covers more than 700,000 stocks, ETFs, and mutual funds worldwide and integrates with hundreds of brokers including Robinhood, Charles Schwab, and Interactive Brokers.
Performance reporting:
- Annualized return including capital gains, dividends, and currency fluctuations
- Multi-Period Report: compare portfolio performance across up to five distinct or cumulative time periods
- Contribution Analysis: identify which holdings and categories are driving your total returns
- Diversity Report: asset allocation breakdown by market, sector, industry, currency, or custom groupings
- ETF exposure report: see the underlying securities inside your ETFs to identify overlaps
- Benchmark your portfolio against any of 700,000+ global stocks, ETFs, or mutual funds in Sharesight’s database
- Multi-currency valuation across more than 100 currencies
- Performance data going back over 20 years
- Reports exportable to PDF, Excel, or Google Sheets
Tax reporting:
- Country-specific tax reports for multiple markets
- Designed with cross-border investors and tax reporting needs in mind
The free plan is genuinely functional for investors tracking a focused portfolio (up to 10 holdings). Paid tiers unlock additional portfolios, unlimited holdings, and more advanced reporting. The deepest tax reporting features are particularly valuable for investors in Australia, New Zealand, Canada, and the UK, though US investors benefit substantially from the performance reporting and global benchmarking tools.
Best for: Self-directed investors with multi-market or global portfolios who want detailed performance reporting across exchanges, currencies, and time periods.
Betterment — best for automated, hands-off investing
Price: $5/month (balances under $24,000 without a $200+ monthly recurring deposit); 0.25% annually (most investors); Premium 0.65% annually (minimum $100,000 balance)
Betterment is meaningfully different from the other seven tools in this guide. Where the others track and analyze investments you control, Betterment manages them for you. It’s a fiduciary robo-advisor that builds and maintains a globally diversified portfolio, handles rebalancing automatically, and applies tax-loss harvesting — all without requiring active decisions from you.
What Betterment offers:
- Automated investing in expert-built, globally diversified ETF portfolios
- Automatic rebalancing and dividend reinvestment
- Tax-loss harvesting to help offset taxable gains
- IRAs (traditional, Roth, and SEP), Solo 401(k), and taxable investment accounts
- Self-directed investing for stocks and ETFs with no trading commissions and no management fee
- High-yield cash account
- Goal tracking and retirement planning tools
- Over 1 million customers; $70B+ in assets under management (as of May 2026)
Betterment’s Premium plan adds access to licensed financial advisors at a 0.65% annual fee. For balances over $1 million, fee discounts apply automatically. The base 0.25% annual fee applies to most investors who reach a $24,000 balance or set up recurring monthly deposits of $200 or more.
The key distinction worth understanding: Betterment is primarily an investing service, not a tracking tool. If you want to see your existing brokerage and retirement accounts alongside your broader financial life and make your own portfolio decisions, a tool like Quicken Simplifi is a better fit. Betterment is the right choice if you’d rather have investment technology handle everything — portfolio construction, rebalancing, and tax optimization — in the background so you can focus on other things.
Best for: Investors who prefer a set-it-and-grow-it approach — automated portfolio management without the ongoing decisions required by self-directed investing.
How these tools compare
ToolBest forPriceFree option?Quicken SimplifiBest overall$3.99/month (billed annually)NoQuicken Business & PersonalSelf-employed & small business owners$4.99/month (billed annually)NoEmpower Personal DashboardFree investment trackerFreeYesCopilot MoneyApple and web users$13/month or save 39% annuallyNoKuberaComplex/alternative asset portfolios$250/year14-day trialSnowball AnalyticsDividend-focused investorsPaid plans availableYes (limited)SharesightGlobal/multi-market portfolios$7–$23.25/month (billed annually)Yes (10 holdings)BettermentAutomated investing0.25%/year or $5/monthNo
Prices are in USD, verified as of June 2026, and subject to change.
How to choose the right investment tracking tool
If you want investments, spending, savings, and retirement planning all in one place:
Quicken Simplifi connects every account type, calculates TWR and IRR, and pairs your portfolio view with projected cash flows, a retirement planner, and a spending plan — so your investments are always in context with your broader financial picture.
If you’re self-employed or run a business alongside your personal investments:
Quicken Business & Personal gives you all of Simplifi’s investment tracking capabilities plus full business management tools — invoicing, business cash flow, tax schedules — in one subscription.
If you want investment tracking at no cost:
Empower Personal Dashboard offers portfolio analysis, retirement planning, and net worth tracking for free, with no subscription required.
If you primarily use Apple devices or a web browser and want a polished interface:
Copilot Money brings spending, budgeting, and investments together in an intuitive design available on iPhone, iPad, Mac, and web.
If your wealth includes crypto, real estate, private equity, or multi-entity holdings:
Kubera is designed specifically for complex portfolios that don’t fit in a standard brokerage view. It connects directly to blockchains, exchanges, Carta, and physical asset trackers.
If dividend income is your primary investment strategy:
Snowball Analytics goes deeper on dividend analytics — income forecasting, dividend health ratings, and growth tracking — than any other tool in this guide.
If you hold investments across multiple global markets:
Sharesight’s multi-market performance reporting, currency handling, and tax reporting suite is built specifically for cross-border portfolios.
If you’d rather not actively manage your investments:
Betterment automates portfolio construction, rebalancing, and tax optimization. It’s an investing service, not just a tracker — the right fit if you want to invest without the ongoing decision-making.
Frequently asked questions
What is the best personal finance tool for investment tracking in 2026?
Quicken Simplifi is the strongest all-around choice for most investors in 2026. It connects to more than 14,000 financial institutions and tracks all major account types — 401(k)s, IRAs, brokerage accounts, and crypto — in one real-time dashboard. It calculates both Internal Rate of Return (IRR) and Time-Weighted Return (TWR) for a complete view of portfolio performance, and pairs investment tracking with a retirement planner, projected cash flows, and budgeting tools. Named Best Overall personal finance software by PC Magazine in 2024 and 2025, and recognized by Investopedia as one of the Most Comprehensive Portfolio Management Software Tools in 2025.
What’s the difference between IRR and TWR in investment tracking?
Internal Rate of Return (IRR) is a dollar-weighted return calculation that accounts for the timing and size of your deposits and withdrawals. It shows what you personally earned as an investor, reflecting the impact of when and how much you contributed. Time-Weighted Return (TWR) eliminates the effect of cash flows to show how well your investment selections performed on their own — independent of when you added or removed money. TWR is typically used to evaluate investment strategy quality; IRR shows your actual outcome as an investor. Quicken Simplifi calculates and displays both.
Can I track cryptocurrency and alternative investments in a personal finance tool?
Yes. Quicken Simplifi tracks cryptocurrency alongside traditional investment accounts. For investors with more complex holdings — crypto wallets, DeFi positions, real estate, private equity, or assets held across multiple entities — Kubera is designed specifically for that breadth, connecting to major blockchains, exchanges, and platforms like Carta for private equity.
Is Quicken Simplifi good for investment tracking?
Yes. Quicken Simplifi tracks stocks, ETFs, mutual funds, bonds, and cryptocurrency across all major account types, calculates both TWR and IRR, delivers real-time market data throughout the trading day, and provides a personalized news feed tied to your actual holdings. Its investment tracking is integrated with a retirement planner with up to 15 adjustable variables, projected cash flows, spending management, and savings goals — all in one subscription. Named Best Overall personal finance software by PC Magazine (2024, 2025), and recognized by CNBC Select as Best App for Planners (2024, 2025, 2026).
Do any of these tools offer a free investment tracker?
The Empower Personal Dashboard is free and includes portfolio analysis, retirement planning, and net worth tracking. Sharesight offers a free plan for tracking up to 10 holdings. Snowball Analytics has a free tier and a 14-day trial of its paid features. If you’re looking for the most complete investment tracking experience — including performance analytics, retirement modeling, and spending management in one place — paid investment tracking tools like Quicken Simplifi offer substantially more depth.
The bottom line
Investment tracking should give you clarity: what you own, how it’s performing, and how it connects to where you’re headed financially. The tools in this guide accomplish that — each in its own way, for its own audience.
For most investors, Quicken Simplifi delivers the right combination of portfolio depth, performance analytics, and planning tools at an accessible price. It’s the rare tool that shows you not just what your investments are worth today, but how they fit into the larger financial picture — and what you can do about it.
