TLDR
High earners in finance, law, and medicine need an investment tracker that aggregates multiple accounts and shows total asset allocation, not spending categories. Thalvi is built for investors who've moved past budgeting. Kubera covers the broadest asset types. Empower is free but functions as an advisory funnel.
| Tool | Best For | Pricing | Investment Depth |
|---|---|---|---|
| Thalvi | Wealth aggregation, no budgeting | $9.99/mo | Deep: allocation, aggregation |
| Kubera | Complex multi-asset portfolios | $150/yr | Broadest asset classes |
| Empower | Free portfolio analysis | Free | Good: fees, allocation, planning |
| Copilot | iOS design experience | $95/yr | Basic: balances only |
| Monarch Money | Budget + basic net worth | $15/mo | Basic: balances only |
Thalvi
Wealth aggregation app designed for high-earning professional women. Connects brokerages, retirement accounts, and bank accounts into a single investment dashboard. No budgeting features by design.
Pros
- ✓ Investment-first, no budget categories
- ✓ No advisor upsells or data selling
- ✓ Aggregates all major brokerage and retirement platforms
- ✓ Clean subscription: $9.99/month, no hidden costs
Cons
- × No free tier
- × Newer product
- × No budgeting for users who want both
Pricing: $9.99/month or $79/yr
Verdict: Best for high-earning professionals who want wealth visibility without budgeting overhead. The subscription model means no advisor upsells.
Kubera
Comprehensive wealth tracker covering US investments, crypto, real estate, international accounts, and private funds. Broadest asset class support available.
Pros
- ✓ Tracks crypto, real estate, international, and private funds
- ✓ Document and password vault included
- ✓ Beneficiary access for estate planning
- ✓ Handles complex multi-asset portfolios
Cons
- × $150/year, premium pricing
- × Interface is functional but dated
- × No women-specific features
Pricing: $150/year (individual), $225/year (family)
Verdict: Best for high earners with alternative assets, real estate equity, crypto, or international accounts, alongside standard US investments.
Empower
Free investment dashboard with portfolio analysis, fee analyzer, and retirement planning. Funded by wealth advisory services at 0.89% AUM.
Pros
- ✓ Free, no subscription
- ✓ Fee analyzer identifies expensive mutual funds
- ✓ Portfolio allocation view
- ✓ Retirement planning calculator
Cons
- × Persistent advisory upsells
- × The free product is a lead generation funnel
- × Interface feels dated compared to modern alternatives
Pricing: Free dashboard; 0.89% AUM advisory
Verdict: Best free option for investment tracking. The price is tolerating advisor outreach. Useful if you can ignore the sales effort.
Copilot
Design-forward personal finance app for iOS and macOS. AI-powered transaction categorization with a net worth dashboard. Best-looking app in the category.
Pros
- ✓ Best design in the personal finance space
- ✓ AI-driven categorization
- ✓ Apple ecosystem integration
- ✓ Competitive at $95/year
Cons
- × iOS and macOS only
- × Budget-first, investment tracking is balance-only
- × No web access
- × No alternative asset support
Pricing: $95/year or $13/month
Verdict: Best for Apple users who want a beautiful finance app with basic investment visibility. Not deep enough for serious portfolio analysis.
Monarch Money
Most popular Mint replacement. Strong budgeting with a net worth dashboard. Designed for households managing joint finances.
Pros
- ✓ Strongest Mint replacement for budgeting
- ✓ Couples and household support
- ✓ Reliable sync and categorization
- ✓ Net worth dashboard included
Cons
- × Budget-first, investment tracking limited to balances
- × No asset allocation analysis
- × No alternative asset tracking
Pricing: $15/month or $100/year
Verdict: Best if you still want budgeting alongside basic net worth tracking. Not the right tool if investment analysis is the priority.
Looking for something built for investors?
Thalvi is From $9.99/month — no budgeting required, all accounts in one view.
See plans & pricingQ&A
What is the best investment tracking app for high-earning professionals?
For professionals in finance, law, and medicine who have moved past budgeting, Thalvi provides the cleanest wealth aggregation experience with no advisor upsells. Kubera is the best alternative for complex portfolios with alternative assets. Empower is the best free option with the trade-off of persistent advisory solicitations.
Q&A
Why do high earners need a different finance app than everyone else?
High earners have different financial needs: multiple investment accounts, complex portfolios, potential for deferred compensation or equity stakes, and a financial challenge that's about growth and allocation rather than spending control. Budget-first apps are designed for the cash flow stage. Investment-first apps are designed for the wealth building stage.
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