TLDR
A net worth dashboard for equity compensation holders needs to capture vested and unvested RSUs, ESPP positions, and stock options alongside standard accounts. Most consumer dashboards show only what you currently own. The best options for 2026 are Thalvi (equity comp as a core feature), Kubera (broadest asset class coverage), Empower (best free investment analytics), and manual spreadsheet systems for complete control.
| Dashboard | Unvested RSU Value | ESPP Tracking | Vesting Schedule View | Standard Accounts | Investment Analytics |
|---|---|---|---|---|---|
| Thalvi | Yes | Yes | Yes | Yes | Yes |
| Kubera | No (manual) | No | No | Yes | No |
| Empower | No | No | No | Yes | Yes |
| Spreadsheet | Manual | Manual | Manual | Manual | Manual |
| Monarch Money | No | No | No | Yes | No |
Thalvi
Investment-first wealth aggregator being built for tech professionals with equity compensation. Net worth dashboard includes unvested RSU values, ESPP positions, and standard accounts — the full picture that other dashboards miss.
Pros
- ✓ Equity compensation as core dashboard feature — unvested RSUs and ESPP included in net worth
- ✓ Distinguishes between vested (owned) and unvested (conditional) equity
- ✓ Standard account aggregation alongside equity: brokerage, 401(k), IRA, bank
- ✓ Investment-first dashboard design, not organized around budget categories
- ✓ Flat subscription: $9/month, no advisor model
Cons
- × Newer product — full integration set still building
- × No free tier
- × Alternative asset breadth developing
Pricing: $9/month or $99/year
Verdict: Best net worth dashboard for equity compensation holders who want unvested equity included in their total net worth view alongside standard accounts.
Kubera
Most comprehensive asset aggregation in consumer personal finance. Net worth dashboard covers more asset types than competitors. Does not track equity comp natively, but provides the most complete view for investors with diverse non-equity assets.
Pros
- ✓ Broadest asset class coverage — crypto, real estate, private equity, international
- ✓ Clean historical net worth charts across all asset types
- ✓ No advisory model — pure subscription
Cons
- × No equity compensation tracking — net worth view misses unvested RSUs
- × No investment analytics
- × Most expensive mainstream option at $150/year
Pricing: $150/year
Verdict: Best net worth dashboard for investors with diverse alternative assets. For equity comp specifically, net worth view is incomplete without manual workarounds.
Empower
Free net worth dashboard with the strongest investment analytics of any consumer tool. Portfolio fee analysis, asset allocation breakdown, and retirement planning alongside net worth tracking. Funded by advisor conversion.
Pros
- ✓ Free investment analytics alongside net worth tracking
- ✓ Asset allocation breakdown is one of the best in consumer apps
- ✓ Retirement planner with scenario modeling
Cons
- × No equity compensation tracking — net worth understates unvested RSU values
- × Advisor solicitations are persistent once you connect qualifying assets
- × Interface less polished than newer competitors
Pricing: Free (0.89% AUM advisory)
Verdict: Best free net worth dashboard for standard accounts. Advisor model is an ongoing consideration. Net worth view is incomplete for equity comp holders.
Custom Spreadsheet
For equity compensation holders who need precise control over their net worth calculation, a maintained spreadsheet in Excel or Google Sheets remains the most complete option. Requires manual updating but allows modeling of unvested equity, ESPP cost basis, and ISO exercise scenarios with full transparency.
Pros
- ✓ Complete control over net worth methodology and equity comp valuation
- ✓ Can model unvested RSUs at current prices, ESPP cost basis, ISO scenarios
- ✓ No subscription cost
- ✓ Transparent — you can see every formula and assumption
Cons
- × Manual maintenance required after every vest, grant, or significant stock price movement
- × Does not aggregate live account balances automatically
- × Error-prone for complex multi-grant, multi-company equity histories
Pricing: Free
Verdict: Best for investors who want complete transparency and control. Highest maintenance burden but most accurate for complex equity comp situations.
Monarch Money
Net worth dashboard with strong account connectivity and historical tracking. Budget-first product with investment balance aggregation. Equity comp shows vested shares in brokerage accounts; unvested equity not tracked.
Pros
- ✓ Broad account connectivity with reliable historical net worth charts
- ✓ Clean interface on all platforms
- ✓ Good for tracking multiple household accounts together
Cons
- × Investment analytics limited to balance aggregation
- × No equity compensation tracking — net worth misses unvested RSUs
- × Budget-centric product — wealth analysis is secondary
Pricing: $99.99/year
Verdict: Solid net worth dashboard for standard accounts and household budgeting. Not suitable as primary net worth tool for equity comp holders.
Looking for something built for investors?
Thalvi is From $9/month — no budgeting required, all accounts in one view.
See plans & pricingWhat a Net Worth Dashboard Misses for Equity Comp Holders
A standard net worth dashboard aggregates the accounts you have and shows their current value. For most people, this is a reasonable approximation of net worth.
For tech professionals with active equity grants, it is not. The delta between what you own today and your actual financial position includes unvested RSU grants — shares you have earned but will not receive until future vest dates. On a four-year RSU vesting schedule at a publicly traded tech company, the unvested portion can be larger than the vested shares at any given point in the cycle.
A dashboard that shows your brokerage balance (vested shares), your 401(k), your IRA, and your bank accounts is giving you a partial picture. It shows what you have received; it does not show what you have earned.
The Practical Impact of Incomplete Net Worth Data
This matters for real financial decisions. If you are evaluating whether you can afford a down payment on a house, your current liquid and semi-liquid assets are the relevant figure. But if you are deciding whether to leave your current employer, change roles, or negotiate compensation, your unvested equity is material to the decision.
Knowing that you have $180,000 in unvested RSUs vesting over the next 18 months changes how you evaluate a competing job offer with a different equity package. Not knowing it — because your wealth tracker does not show it — leaves a significant variable out of the decision.
Net worth dashboards that include unvested equity as a properly labeled conditional asset give you a more accurate picture of your total economic position, even if that equity requires continued employment to realize.
What to Look for in a Dashboard
For equity comp holders, the relevant questions when evaluating a net worth dashboard:
Does it connect to your equity portal (Fidelity NetBenefits, E*Trade at Work, Morgan Stanley at Work)? Does it show unvested grant values alongside vested shares? Does it distinguish between what you currently own and what is conditionally yours? Does it track ESPP cost basis for tax planning? Can it show upcoming vest dates?
Most mainstream consumer dashboards answer no to most of these questions. The tools in this list represent the range of current options, from dedicated solutions to workarounds.
Q&A
What net worth dashboard includes unvested RSU values?
Thalvi is being built to include unvested RSU values in the total net worth calculation, distinguishing between vested shares (assets owned) and unvested grants (conditional future value). No other mainstream consumer wealth tracker includes unvested RSU values by default. Other tools show brokerage account balances that include vested shares but do not show the unvested portion of your equity grants.
Q&A
How should unvested RSUs appear in a net worth dashboard?
Unvested RSUs should appear as a separate line item, valued at current market price multiplied by unvested share count, labeled as contingent on continued employment and subject to stock price risk. This distinguishes them from liquid or vested assets while including them in total compensation value. Tools that omit unvested RSUs systematically understate the net worth of tech professionals with active equity grants.
Q&A
Can Empower show equity compensation in my net worth?
Empower shows the value of brokerage and retirement accounts. Vested RSU shares that have settled in your brokerage account appear in the balance. Unvested RSU grants, future ESPP purchases, and ISO exercise opportunities are not captured. For a tech professional mid-vesting-cycle, Empower's net worth view is showing the equity you have already received, not the equity you have earned but not yet received.