Best Investment Tracking Apps in 2026
TLDR
Investment tracking is different from account aggregation. Most apps show your brokerage balance. The best investment trackers show performance attribution, allocation analysis, and portfolio-level insights. The top apps for investment tracking in 2026 are Thalvi, Empower, Kubera, Copilot (basic), and Monarch Money (basic).
| App | Annual Cost | Portfolio Analytics | Equity Comp Tracking | Alternative Assets |
|---|---|---|---|---|
| Thalvi | $99 | Full | Yes (RSU, ESPP) | Roadmap |
| Empower | Free | Good (allocation, fees) | No | No |
| Kubera | $150 | Balance + basic | No | Yes (crypto, RE, intl) |
| Copilot | $95 (iOS only) | Balance only | No | No |
| Monarch Money | $99.99 | Balance only | No | No |
Thalvi
Investment-first portfolio tracker for high-earning professional women. Designed around wealth aggregation across brokerage accounts, 401(k)s, Roth IRAs, and equity compensation — not transaction management. The investment tracking is the product, not a feature.
Pros
- ✓ Investment tracking as the core product, not an add-on to budgeting
- ✓ Equity compensation tracking (RSUs, ESPPs, stock options)
- ✓ Multi-account portfolio view across all investment account types
- ✓ Built for users who think in terms of portfolios, not transactions
- ✓ Clean subscription: no advisory upsells, no ads
Cons
- × No free tier
- × Newer product — feature set still expanding
- × Limited alternative asset coverage (crypto and real estate on roadmap)
Pricing: $9/month or $99/year
Verdict: Best investment tracker for high-earning women with standard US investment accounts and equity compensation. Investment analytics are first-class, not a sidebar.
Empower
Free investment dashboard with genuine portfolio analytics — allocation view, fee analyzer, and retirement projections. The most substantive free investment tracking available. Business model is wealth management advisory upsells at 0.89% AUM.
Pros
- ✓ Free portfolio analytics — allocation, fee analysis, retirement calculator
- ✓ Investment checkup feature compares your allocation to age-appropriate targets
- ✓ Fee analyzer identifies expensive mutual funds and ETFs in your portfolio
- ✓ Monte Carlo retirement projections with scenario analysis
Cons
- × Advisor solicitations are built into the free product experience
- × 0.89% AUM advisory fees are expensive at scale ($8,900/year on $1M portfolio)
- × Portfolio analytics don't go deep on individual position performance
- × Interface quality lags newer apps
Pricing: Free; 0.89% AUM for wealth management
Verdict: Best free investment tracker. Portfolio analytics are substantive for a free product. The advisory model is the trade-off you accept.
Kubera
Net worth tracker with the broadest asset class coverage. Investment tracking extends beyond standard accounts to crypto wallets, real estate equity, international accounts, and private funds. Performance analytics are less deep than Empower but asset breadth is unmatched.
Pros
- ✓ Connects all asset classes including crypto, real estate, and international
- ✓ Multi-currency support for international investors
- ✓ Beneficiary access for estate planning
- ✓ Manual entry for any asset type
Cons
- × Investment analytics are less comprehensive than Empower or Thalvi
- × Most expensive at $150/year
- × UI prioritizes data over analysis — shows numbers without interpretation
- × No budgeting or cash flow features
Pricing: $150/year individual
Verdict: Best for investment tracking across complex portfolios with alternative assets. Analytics depth is secondary to breadth — know what you own, not how it's performing.
Copilot
Design-forward iOS finance app with investment account connections and a net worth view. Investment tracking is balance aggregation — clean presentation, limited analytics. Best for iOS users who want beautiful visualization of account balances.
Pros
- ✓ Best app design in the category
- ✓ Clean investment account balance display
- ✓ AI-powered transaction categorization for comprehensive financial picture
- ✓ Competitive price at $95/year
Cons
- × iOS only — excludes Android users
- × Investment tracking is balance view only — no analytics
- × Budget-first architecture with investment balances added
- × No portfolio allocation, return tracking, or investment-specific features
Pricing: $95/year or $13/month
Verdict: Best visual presentation of investment balances for iOS users. Not a real investment tracker — shows balances, not performance or allocation.
Monarch Money
The dominant Mint replacement with investment account connections included in the net worth view. Investment tracking is account balance aggregation. Better for users who want a combined budget-plus-investment view than for users who want investment analytics.
Pros
- ✓ Reliable sync across all major banks and brokerages
- ✓ Investment accounts included in comprehensive net worth view
- ✓ Budget tracking and investment visibility in one app
- ✓ Strong product with active development
Cons
- × Investment view is account balances — no analytics
- × Budget-first architecture — investment tracking is additive, not core
- × No portfolio allocation analysis or performance tracking
- × Designed for couples, less relevant for solo investors
Pricing: $99.99/year or $14.99/month
Verdict: Acceptable investment balance tracking within a full budgeting app. Not designed for users who want investment analytics as a primary feature.
Looking for something built for investors?
Thalvi is From $9/month — no budgeting required, all accounts in one view.
The Difference Between Balance Aggregation and Investment Tracking
Most apps described as “investment trackers” are account balance aggregators. They connect to your Fidelity or Vanguard account and show you a number. That number updates daily. The app knows your account’s value.
What it doesn’t know: whether that value represents good or bad performance relative to the market, whether your allocation is appropriate for your age and risk tolerance, whether you’re paying more in fees than you should, or whether you’re on track for your long-term goals.
Real investment tracking provides context for the number, not just the number itself.
This comparison distinguishes between apps that show investment account balances and apps that provide investment analysis. The ranking weights analysis depth.
Why Budget Apps Fall Short for Investors
The top-ranked personal finance apps in most comparison articles — YNAB, Mint (when it existed), Monarch Money — are budget apps. They’re designed to help you understand spending, build budgets, and manage cash flow. Investment accounts are included in the financial picture, but they’re context for a budgeting tool, not the product itself.
For users who have solved the budgeting problem and are now primarily focused on investment growth, the budget-first architecture creates friction. You’re navigating a spending management system to find the investment balance view that’s actually what you care about.
Investment-first apps (Empower, Kubera, Thalvi) flip this architecture. Spending is context for the investment picture, if it appears at all.
The Equity Compensation Gap
Equity compensation — RSUs, ESPPs, and stock options — is a significant component of compensation for many high earners at technology, finance, and large-cap companies. For a tech employee with $50,000-$200,000 in unvested RSUs, that’s a meaningful portion of their wealth picture.
Most personal finance apps handle equity compensation poorly. They can connect to equity plan administrators (Fidelity NetBenefits, Schwab Stock Plan Services, E*TRADE Stock Plan Account) and show balances. They don’t provide vesting schedule visibility, grant-by-grant tracking, or dedicated RSU/ESPP analysis.
Thalvi is designed to address this gap with equity compensation tracking as a first-class feature. For users whose compensation structure includes significant equity components, this specialization matters.
Practical Evaluation Criteria
When evaluating investment trackers, test these specifically:
- Connect your actual accounts — particularly any non-major-brokerage accounts, employee stock plans, or international accounts
- Verify the investment view — does it show balances only, or does it show allocation and performance?
- Check equity compensation — if you have RSUs or ESPPs, does the app represent them accurately?
- Evaluate the advisory model — if using Empower, are you comfortable with the advisor solicitation experience?
No app performs perfectly on all dimensions. The right choice is the one that covers your specific portfolio composition best.
Q&A
What is the best app for tracking multiple investment accounts?
For users with multiple US investment accounts (brokerage, 401k, Roth IRA, taxable accounts), Thalvi provides investment-depth tracking across all account types designed for high-earning professionals. For users who also have crypto, real estate, or international accounts, Kubera has the broadest aggregation. Empower covers standard accounts well for free. All three outperform budget apps like Monarch or Copilot for actual investment analysis.
Q&A
Do personal finance apps track investment performance?
Most personal finance apps track investment account balances, not investment performance. Showing a $47,000 balance in a brokerage account is balance tracking. Showing that the account is up 12.4% year-to-date, concentrated 70% in tech, with a 0.45% average expense ratio is performance tracking. Empower and Thalvi provide performance analytics. Most other apps in this comparison show balances only.
Q&A
Can apps track RSUs and equity compensation?
RSU and equity compensation tracking is a specialized feature that most personal finance apps don't address well. Thalvi includes equity compensation tracking for RSUs, ESPPs, and stock options as part of the investment tracking feature set. Empower and Kubera can connect to major equity plan administrators (Fidelity, Schwab, E*TRADE stock plans) but don't provide dedicated vesting schedule visibility. Apps like Monarch show equity account balances without compensation-specific features.
See your full financial picture
What's the difference between investment tracking and net worth tracking?
Is Empower's investment analysis useful?
Do investment trackers support all brokerage types?
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