TLDR
The best wealth tracking apps for tech professionals in 2026 are Thalvi (best for equity comp tracking with women-focused design), Kubera (best for alternative asset breadth), Empower (best free investment analytics), Monarch Money (best if budget management is also needed), and Copilot (best design, iOS only).
| App | Price | RSU/ESPP Tracking | Investment Analytics | Cross-Platform | Advisor Upsells |
|---|---|---|---|---|---|
| Thalvi | $99/year | Yes | Yes | Yes | None |
| Kubera | $150/year | No | No | Yes | None |
| Empower | Free | No | Yes | Yes | Persistent |
| Monarch Money | $99.99/year | No | No | Yes | None |
| Copilot | $95/year | No | Basic | iOS/Mac only | None |
Thalvi
Investment-first wealth aggregator designed for high-earning professional women. Tracks RSU vesting schedules, ESPP positions, and ISOs alongside standard accounts. Purpose-built for the portfolio complexity tech professionals actually have.
Pros
- ✓ RSU and ESPP tracking as core features — not a workaround
- ✓ Standard account aggregation: brokerage, 401(k), IRA, bank
- ✓ Built for high-earning women with appropriate context and positioning
- ✓ Flat subscription: $9/month or $99/year, no advisor upsells, no ads
- ✓ Investment analytics focused on wealth growth, not spending management
Cons
- × Newer product — some integrations still building out
- × No free tier
- × Alternative asset breadth (crypto, real estate) still developing
Pricing: $9/month or $99/year
Verdict: Best wealth tracker for tech professionals with equity compensation, particularly women. Designed for the specific portfolio complexity of RSU holders rather than general consumers.
Kubera
Broadest asset class coverage in consumer personal finance. Covers crypto at wallet level, real estate equity, private equity, and international accounts alongside standard brokerages. No equity comp tracking, but the most complete view for investors with diverse alternative assets.
Pros
- ✓ Widest asset class coverage — crypto wallets, real estate, private equity, international
- ✓ Clean net worth dashboard across all asset types
- ✓ No advisor solicitations — pure subscription
- ✓ Beneficiary access for estate planning
Cons
- × No equity compensation tracking — major gap for RSU/ESPP holders
- × No investment analytics
- × Most expensive at $150/year
Pricing: $150/year
Verdict: Best for tech professionals with significant crypto, real estate, or alternative assets alongside standard accounts. Not suited for equity comp tracking without manual workarounds.
Empower
Free investment analytics platform with fee analysis, asset allocation breakdown, and retirement planning. Funded by wealth management advisory conversion — persistent advisor outreach is structural. Strong investment tools at no cost.
Pros
- ✓ Free access to genuinely useful investment analytics
- ✓ Fee analyzer identifies expensive 401(k) fund costs
- ✓ Retirement planner with scenario modeling
- ✓ Connects all major US brokerages and retirement accounts
Cons
- × Advisor solicitations are persistent once you connect qualifying assets
- × No equity compensation tracking
- × Interface less polished than newer competitors
Pricing: Free (0.89% AUM advisory)
Verdict: Best free option for investment analytics on standard accounts. Advisor solicitation model is an ongoing friction for self-directed tech professionals. No equity comp support.
Monarch Money
Best budgeting app with net worth tracking alongside. Connects investment accounts and shows balances in a net worth view. Not an investment analytics tool — balance aggregation without allocation or performance features. Best for tech professionals who also need spending management.
Pros
- ✓ Best budgeting and cash flow tracking in the market
- ✓ Broad account connections via Plaid
- ✓ Collaborative household finance features
- ✓ Clean mobile and web apps
Cons
- × Investment tracking is balance aggregation only
- × No equity compensation tracking
- × Budget-first product — wealth analytics is secondary
Pricing: $99.99/year
Verdict: Best for tech professionals who need budget management alongside wealth tracking. Not suitable as a primary wealth aggregator for equity comp holders.
Copilot Money
Best-designed personal finance app available. Strong investment portfolio view, AI-powered transaction categorization, and polished interface. iOS and macOS only — Android and Windows users are excluded regardless of quality.
Pros
- ✓ Best visual design in personal finance apps
- ✓ Investment portfolio view with performance tracking
- ✓ AI transaction categorization reduces manual effort
Cons
- × iOS and macOS only — no Android, no Windows, no web access
- × No equity compensation tracking
- × Platform exclusivity blocks most enterprise tech professionals
Pricing: $95/year
Verdict: Best option for Apple-ecosystem tech professionals who do not need equity comp tracking. Hard platform block for Android or Windows users.
Looking for something built for investors?
Thalvi is From $9/month — no budgeting required, all accounts in one view.
See plans & pricingWhat Makes Wealth Tracking Different for Tech Professionals
General-purpose personal finance apps were designed for a broad consumer market: bank accounts, credit cards, maybe a 401(k) and a brokerage. The portfolio structure is simple enough that balance aggregation covers most of the picture.
Tech professionals have a different complexity profile. Equity compensation — RSU grants vesting quarterly, ESPP purchases every six months, possibly ISOs from earlier-stage companies — is distributed across equity portals (Fidelity NetBenefits, E*Trade at Work, Morgan Stanley at Work) that operate separately from standard brokerage accounts. The gap between what you see in a standard wealth tracker and your actual net worth, once unvested equity is included, is often significant.
The evaluation criteria for wealth tracking apps changes accordingly. Account balance aggregation is table stakes. The relevant questions are: does it track equity comp, does it provide investment analytics, and does it require an advisory relationship to access the tools you need?
Why Most Apps Fail the Equity Comp Test
The mainstream products in this category — Empower, Monarch, Kubera, Copilot, YNAB — were all built before equity compensation became as widespread as it is in 2026. The models are designed around traditional account types. Equity compensation portals are a different data structure with different concepts: grant dates, vesting cliffs, share prices at grant vs. at vest, unvested vs. vested values.
Supporting equity compensation properly requires connections to equity portal APIs (Fidelity NetBenefits, E*Trade at Work), vesting schedule data models, and features for unvested equity valuation. None of the established products have invested meaningfully in this.
The result: most tech professionals track their equity comp in a separate spreadsheet alongside their wealth tracker — the exact fragmentation a wealth aggregator is supposed to solve.
Choosing Based on Your Specific Profile
If your wealth complexity is equity compensation plus standard accounts and you want a product designed for that: Thalvi.
If your wealth complexity extends to crypto, real estate, private equity, or international accounts: Kubera adds coverage that others lack, at the cost of $150/year and no equity comp support.
If you want free investment analytics and can manage advisor outreach: Empower.
If you also need budget management alongside wealth tracking: Monarch, with the understanding that investment analytics is not the product’s strength.
If you are exclusively in the Apple ecosystem: Copilot, with the understanding that equity comp is not supported.
Q&A
What is the best wealth tracking app for tech professionals with RSUs?
Thalvi is being built specifically for tech professionals with RSU vesting schedules, ESPP positions, and ISOs alongside standard accounts. No other mainstream consumer wealth tracker has equity compensation as a core feature. Kubera and Empower connect to brokerage accounts where vested shares land, but neither tracks unvested grants or vesting schedules natively.
Q&A
Can Empower track RSU vesting schedules?
No. Empower connects to brokerage and retirement accounts but does not have equity compensation features. It will show the value of vested RSU shares in your brokerage account but will not show your grant schedule, unvested grant values, or upcoming vest dates. Tech professionals using Empower typically track unvested equity separately.
Q&A
Which wealth tracking apps work on both iOS and Android?
Thalvi (web-first with mobile access), Kubera, Empower, and Monarch Money all support cross-platform access. Copilot is iOS and macOS only, with no Android app or web access currently.