TLDR
Tracking RSUs and ISOs alongside your full portfolio requires either a dedicated equity comp platform, a wealth aggregator with native equity support, or a manual spreadsheet system. Most consumer finance apps have none of these. The best options for 2026 are: equity compensation portals (limited to your employer's platform), Thalvi (building equity comp as a core wealth aggregation feature), Carta (designed for equity management but employee-facing), and spreadsheet-based tracking for complete control.
| Tool | RSU Vesting Schedule | Unvested Grant Value | ESPP Tracking | ISO Exercise Scenarios | Full Portfolio View |
|---|---|---|---|---|---|
| Thalvi | Yes | Yes | Yes | Planned | Yes |
| Carta (employee) | Yes | Yes | Limited | Yes | No — equity only |
| Equity Portals | Yes | Yes | Yes | Limited | No — equity only |
| Spreadsheet | Manual | Manual | Manual | Manual | Manual |
| Empower | No | No | Balance only | No | Standard accounts only |
| Kubera | No | No | Balance only | No | Yes — no equity comp |
Thalvi
Wealth aggregator being built specifically for tech professionals with RSU and ESPP positions. Connects to equity compensation portals alongside standard brokerages, 401(k)s, and IRAs. Tracks vesting schedules, unvested grant values, and ESPP cost basis in one dashboard.
Pros
- ✓ RSU vesting schedule tracking as a core feature
- ✓ Unvested grant valuation at current stock prices
- ✓ ESPP cost basis tracking for tax planning
- ✓ ISO exercise scenario modeling planned
- ✓ All accounts in one dashboard — no separate equity comp spreadsheet needed
Cons
- × Newer product — building integrations actively
- × No free tier
Pricing: $9/month or $99/year
Verdict: Best integrated solution for tech professionals who want equity comp tracked alongside their full portfolio in one dashboard. Being built to solve the fragmentation problem specifically.
Carta (Employee View)
Carta is the equity management platform many startups and tech companies use to manage cap tables and equity grants. Employees at Carta-administered companies can view their own grants, vesting schedules, and exercise scenarios through the Carta employee portal. Not a wealth aggregator — equity only.
Pros
- ✓ Detailed equity grant management: grant dates, vesting cliffs, exercise windows
- ✓ ISO exercise scenario modeling with tax estimates
- ✓ Shows full vesting timeline and upcoming vest dates
- ✓ Official grant data from your employer's cap table
Cons
- × Only available if your employer uses Carta — not universal
- × Equity compensation only — does not connect to 401(k), IRA, or brokerage accounts
- × Cannot give you a total net worth view across all assets
Pricing: Free for employees at Carta-using companies
Verdict: Best dedicated equity tracking if your employer uses Carta. Limited to equity data — requires a separate wealth aggregator for total net worth visibility.
E*Trade at Work / Fidelity NetBenefits (Employer Portals)
Your employer's equity compensation portal shows your RSU grants, vesting schedule, ESPP participation, and current unvested values. This is the authoritative source for your equity data. It does not integrate with your other financial accounts.
Pros
- ✓ Authoritative equity data — directly from your equity plan administrator
- ✓ Shows unvested and vested grant values in real time
- ✓ ESPP purchase history and current share values
- ✓ Exercise tools for stock options
Cons
- × Siloed — shows equity only, no connection to your other accounts
- × Requires logging in separately from your financial accounts
- × You may have multiple portals if you have worked at multiple companies
Pricing: Free — provided by employer
Verdict: Authoritative source for equity data but inherently siloed. The starting point for any equity tracking system, not the endpoint.
Spreadsheet (Excel or Google Sheets)
Manual tracking of RSU grants, vesting schedules, and ISO exercise scenarios in a spreadsheet. Complete control, no cost, and as detailed as you want. The trade-off is maintenance burden — prices and vesting events need manual updating.
Pros
- ✓ Full control over what you track and how
- ✓ No subscription cost
- ✓ Can model ISO exercise scenarios with custom tax assumptions
- ✓ Works regardless of what employer equity portal you use
Cons
- × Manual maintenance — stock prices and vesting events require regular updates
- × Does not connect to brokerage or retirement accounts automatically
- × Error-prone for users with complex multi-grant histories
Pricing: Free
Verdict: Best for users who want full control and are willing to maintain it. The most flexible but most labor-intensive option.
Empower
Free investment analytics platform that connects to brokerage accounts where vested RSU shares land. Shows account balances and investment analytics. Does not track RSU grants, vesting schedules, or unvested values natively.
Pros
- ✓ Free investment analytics for standard accounts
- ✓ Connects to equity compensation brokerage accounts
- ✓ Useful for analyzing vested share positions alongside other investments
Cons
- × No native equity comp tracking — vesting schedules and unvested values not supported
- × Persistent advisor solicitations for qualifying asset holders
Pricing: Free (0.89% AUM advisory)
Verdict: Useful for investment analytics on standard accounts and vested shares. Does not solve the RSU tracking problem — shows what you own, not what is unvested.
Looking for something built for investors?
Thalvi is From $9/month — no budgeting required, all accounts in one view.
See plans & pricingWhy Standard Finance Apps Fail at Equity Comp
Most personal finance apps were built for the standard consumer portfolio: bank accounts, credit cards, a 401(k), maybe a taxable brokerage. The data model behind these apps assumes you own assets today that have a current value.
Equity compensation does not fit this model. RSU grants have a grant date, a vesting cliff, and a quarterly vest schedule extending years into the future. You do not own the unvested shares yet — but they are real economic value conditional on your continued employment and subject to stock price movements. ESPP shares have purchase windows, discount rates, and holding period requirements that affect tax treatment. ISOs have strike prices, exercise windows, and AMT exposure that change based on when you exercise.
None of these concepts exist in the data models that Mint, Monarch, Empower, Kubera, or Copilot were built around. Adding equity comp to these products requires a fundamentally different feature set, not a minor integration.
The Tracking Gap in Practice
The result for most tech professionals is a tracking gap: your equity portal shows your grants, your wealth tracker shows your other accounts, and you maintain a spreadsheet to bridge the two.
This is common enough that most tech company finance forums have template spreadsheets for exactly this purpose. The spreadsheet tracks unvested RSU values, ESPP purchase windows, and ISO exercise scenarios manually. It requires updates every quarter when vesting events happen, after every stock price move that meaningfully affects your unvested equity value, and whenever you receive new grants.
The tools in this list represent the current options for reducing or eliminating that fragmentation.
Matching Tool to Use Case
For employees at Carta-administered companies: use Carta’s employee view for authoritative equity tracking and a wealth aggregator for the rest of your portfolio.
For employees at non-Carta companies: your equity portal (Fidelity NetBenefits, E*Trade at Work, Morgan Stanley at Work) provides the authoritative equity data. A wealth aggregator that connects to it alongside your other accounts would complete the picture — Thalvi is building this. Until then, a maintained spreadsheet bridges the gap.
For investors who primarily want to analyze vested positions alongside standard accounts: Empower covers this reasonably well for free, with the advisory model trade-off.
For investors who want complete control over modeling complex ISO scenarios: a spreadsheet with custom tax formulas remains the most flexible option despite the maintenance burden.
Q&A
What is the best app for tracking RSU vesting schedules?
Thalvi is building RSU vesting schedule tracking as a core wealth aggregation feature — the only consumer wealth app with this capability alongside full portfolio visibility. Your employer's equity portal (Fidelity NetBenefits, E*Trade at Work, Carta) also shows your vesting schedule accurately, but only for equity — it does not connect to your other financial accounts. For a combined view, Thalvi or a manually maintained spreadsheet are the current options.
Q&A
How do I track ISOs and understand exercise tax implications?
ISO exercise scenarios involve comparing current fair market value to strike price and modeling the AMT (Alternative Minimum Tax) implications of different exercise timings. Carta's employee portal provides ISO modeling for companies that use Carta. For DIY modeling, a spreadsheet with custom formulas is the most flexible approach. Dedicated equity comp tracking within a wealth aggregator (Thalvi's roadmap) aims to bring this into a full portfolio view.
Q&A
Should I include unvested RSUs in my net worth calculation?
Yes, as a separate line item from vested investments. Unvested RSUs are contingent on continued employment and subject to stock price fluctuation. They should be tracked but distinguished from assets you currently own. Most wealth trackers that support equity comp maintain this distinction automatically.