How we make this list: we compare pricing pages, product documentation and public user reviews. Rankite is independent; if a vendor ever pays for a featured spot, that listing is clearly labeled Partner.
Key takeaways
- Empower, formerly Personal Capital, remains the best free all-in-one tracker for US investors with retirement planning built in.
- Sharesight leads for dividend investors and multi-currency portfolios with proper tax reporting.
- Kubera tracks everything including real estate, crypto and private investments on one balance sheet.
- Simply Wall St, Stock Rover and Morningstar add research depth beyond tracking.
- Delta, SigFig and Snowball Analytics cover mobile-first tracking and automated portfolio insights.
Investment tracking software shows your whole portfolio in one place: performance, allocation, dividends and fees. Some tools are pure trackers; others bundle research or planning. These nine cover the main approaches.
Quick comparison
| Tool | Best for | Starting price | Free plan |
|---|
 Empower | Free US portfolio tracking | Free | Yes |
 Sharesight | Dividend and tax reporting | See website | Yes |
 Kubera | Net worth across all assets | See website | Free trial |
 Simply Wall St | Visual stock analysis | See website | Yes |
 Stock Rover | Research plus tracking | See website | Free trial |
 Morningstar Investor | Fund research and tracking | See website | Free trial |
 Delta | Mobile portfolio tracking | See website | Yes |
 SigFig | Automated portfolio insights | Free | Yes |
 Snowball Analytics | Dividend-focused tracking | See website | Yes |
Is your product missing or out of date?
We review this list regularly. Vendors can request a listing, send updated pricing or ask about featured placement.
The best software for tracking investments
Starting priceFree
Free planYes
Empower's free dashboard, formerly Personal Capital, aggregates investment accounts, shows allocation and fees, and includes a respected retirement planner. US investors get institutional-grade insight free.
Expect pitches for the paid wealth management service. If you can ignore the upsell, the free tools are excellent.
Empower users should run the fee analyzer annually; the findings often justify switching funds. The retirement planner deserves real inputs, honest spending estimates produce honest projections. Ignore the wealth management pitches unless you actually want an advisor.
What we like- Free dashboard with retirement planner
- Fee analyzer
- All accounts in one view
Watch out for- Wealth management upsells
- US-focused
Starting priceSee website
Free planYes
Sharesight calculates real returns including dividends and corporate actions, with tax reporting for Australia, the UK, the US and more. Dividend investors and international portfolios get accuracy most trackers skip.
Some brokers need manual CSV imports. For performance truth and tax time, it is the specialist pick.
Sharesight users should connect brokers where supported and use CSV imports elsewhere; the effort pays off at tax time. The dividend reports alone justify the subscription for income investors. Check that your country's tax report format is supported before committing.
What we like- True performance including dividends
- Multi-currency
- Tax reports for many countries
Watch out for- Manual entry for some brokers
- Free plan limited holdings
Starting priceSee website
Free planFree trial
Kubera is the balance sheet for everything: public investments, crypto, real estate, vehicles, loans and private holdings in one net-worth view. Wealthy individuals with diverse assets finally see it all.
There is no free plan. For complex portfolios where spreadsheets break, the consolidation justifies the subscription.
Kubera subscribers should add every asset class, including the boring ones like cash and property; net worth accuracy needs completeness. Update real estate values annually. The consolidated view changes how you think about allocation.
What we like- Tracks stocks, crypto, real estate, private equity
- Clean balance sheet view
- Multi-currency
Watch out for- Subscription only
- No free tier beyond trial
Starting priceSee website
Free planYes
Simply Wall St makes stock analysis visual and approachable: infographics on valuation, risk and dividends, plus portfolio tracking. Beginners understand their holdings faster.
Serious analysts will want more depth. As a tracker that teaches while it shows, it excels.
Simply Wall St users should use the portfolio tracking alongside the analysis, not instead of a proper tracker. The visual reports make great second opinions on holdings. Free tier limits mean prioritizing your most important positions.
What we like- Beautiful visual analysis
- Portfolio tracking included
- Community insights
Watch out for- Analysis depth thinner than professionals need
- Upsell to paid
Starting priceSee website
Free planFree trial
Stock Rover combines serious stock research, screening, charting and fair-value modeling, with portfolio tracking and analytics. Self-directed investors get professional-grade tools.
The density intimidates beginners. Research-driven investors who outgrow free tools find it worth learning.
Stock Rover investors should learn the screening syntax; it is the power feature. Build a watchlist process around the fair value estimates. The learning curve pays off in better-organized research.
What we like- Deep screening and research
- Portfolio analytics
- Dividend tracking
Watch out for- Interface dense
- Learning curve
Starting priceSee website
Free planFree trial
Morningstar Investor pairs portfolio tracking with the industry's most trusted fund research: analyst ratings, portfolio X-ray and style analysis. Fund investors get the full picture.
The subscription is premium-priced. For fund-heavy portfolios, the research quality is unmatched.
Morningstar subscribers should run the portfolio X-ray quarterly to catch style drift and overlap. The analyst reports justify the price for fund investors. Use the watchlists to monitor potential additions patiently.
What we like- Best fund and ETF research
- Portfolio X-ray
- Trusted ratings
Watch out for- Pricey
- Interface traditional
Starting priceSee website
Free planYes
Delta, now part of eToro, is the polished mobile investment tracker: stocks, crypto and funds with live prices, alerts and clean charts. The free tier covers most tracking needs.
Deep analysis requires the Pro subscription. Mobile-first investors who check portfolios on the go love it.
Delta users should connect exchanges for automatic syncing rather than manual entry; accuracy depends on it. Set price alerts for positions you would actually act on. The mobile experience is the reason to choose it.
What we like- Excellent mobile app
- Multi-asset including crypto
- Exchange connections
Watch out for- Advanced analytics need Pro
- Desktop experience thinner
Starting priceFree
Free planYes
SigFig offers free portfolio tracking with automated insights on fees, allocation and diversification, plus an optional managed service. The free analysis flags issues many investors miss.
Coverage centers on the US. For a free second opinion on your portfolio, it is a quick win.
SigFig users should treat the free analysis as a starting point for questions, not answers. The fee insights often surprise. If the managed service appeals, compare its fees against the value of your time.
What we like- Free portfolio analysis
- Fee and allocation insights
- Managed option available
Watch out for- US-focused
- Analysis high-level
Starting priceSee website
Free planYes
Snowball Analytics serves dividend investors: income calendars, payout forecasting and yield analytics across brokers. The dividend focus brings clarity income investors crave.
Total-return investors get less. For living off dividends, the specialized view beats general trackers.
Snowball Analytics users should build the dividend calendar into their income planning; the forecasting helps smooth lumpy payouts. Import all brokers for the complete picture. The niche focus is the strength, so use it for what it does best.
What we like- Dividend calendar and forecasting
- Multi-broker import
- Clean interface
Watch out for- Niche focus
- Smaller company
How we chose
We verified each vendor's homepage and kept tools with genuine portfolio tracking, noting Empower's former Personal Capital branding and Delta's eToro ownership. We excluded pure brokerages without tracking depth. Free plan status comes from vendor sites.
What to get right before you buy
Connect, do not type. Automatic broker connections beat manual entry; confirm your brokers and banks are supported before committing.
Check the asset coverage. Stocks-only trackers fail investors with crypto, real estate or private holdings; match the tool to your actual portfolio.
Mind the tax reporting. If you file in Australia, the UK or elsewhere outside the US, confirm tax reports cover your jurisdiction.
Frequently asked questions
What is the best free portfolio tracker?
Empower offers the most capable free dashboard for US investors; Sharesight and Simply Wall St have strong free tiers internationally.
Can I track crypto and stocks together?
Yes. Kubera and Delta handle multi-asset portfolios including crypto; most stock-focused trackers do not.
Do portfolio trackers replace financial advisors?
No. Trackers show what you own and how it performs; advisors provide planning, tax strategy and behavioral coaching.
Is it safe to connect my brokerage accounts?
Reputable trackers use read-only connections through established aggregation providers. Check security practices and enable two-factor authentication.
What is the difference between tracking and research tools?
Trackers show your portfolio's performance and allocation. Research tools analyze individual investments. Stock Rover and Morningstar do both.
How do I track investments across countries?
Use multi-currency trackers like Sharesight or Kubera, and confirm tax reporting covers each jurisdiction where you file.
Tracking mistakes that cost investors money
Portfolio tracking fails in predictable ways that cost real money. The first mistake is tracking price but not total return: a stock up 5 percent with a 4 percent dividend yield performed very differently than the price suggests. Always use total-return figures, which is why tools like Sharesight exist.
The second mistake is ignoring fees in the tracking. Expense ratios, advisory fees and trading costs compound silently; a portfolio tracked gross of fees looks healthier than reality. Run a fee audit annually and model the lifetime cost. Small percentages over decades are enormous amounts.
The third mistake is stale manual data. Spreadsheets updated quarterly miss the moments that matter, and decisions get made on old numbers. Automatic connections beat manual entry for accuracy; if your tracker cannot connect to a broker, that broker's positions deserve extra skepticism.
The fourth mistake is currency blindness. International investors who track everything in one currency without noting exchange effects misread performance. Multi-currency tracking shows what the assets did versus what the currency did. Both matter for decisions.
Finally, tracking without reviewing is just data collection. Set a quarterly review ritual: allocation versus targets, fees paid, dividends received, and progress toward goals. Thirty minutes with the dashboard beats hours of daily price checking. The tracker's job is to inform decisions, not to feed anxiety.
Rebalancing without overtrading
Rebalancing keeps your portfolio aligned with your plan, but overtrading destroys returns through costs and taxes. Set a rebalancing policy in advance: either calendar-based, such as annually, or threshold-based, such as when an asset drifts five percent from target. Write it down and follow it mechanically.
Prefer rebalancing with new money. Directing contributions to underweight assets rebalances gradually without selling, avoiding transaction costs and taxable events. This works best during the accumulation phase when contributions are large relative to the portfolio.
In taxable accounts, think before selling winners. Realizing gains triggers taxes that often exceed the rebalancing benefit. Use dividends, interest and new contributions first. When selling is unavoidable, harvest losses elsewhere to offset gains.
Review the policy annually, not the portfolio daily. The whole point of a written policy is to remove emotion from the decision. Market volatility tempts intervention; the policy provides the discipline to stay the course.
Finally, track the cost of every rebalance. Commissions, spreads, bid-ask costs on ETFs, and tax impact all subtract from returns. If the rebalancing trade costs more than the drift it corrects, wait. Precision in allocation matters less than most investors believe.
Tax-loss harvesting basics
Tax-loss harvesting turns losing positions into tax savings. The concept is simple: sell investments at a loss to offset gains elsewhere, reducing the tax bill. The portfolio tracker shows unrealized losses clearly, making opportunities visible.
Mind the wash-sale rule. Repurchasing the same or substantially identical security within thirty days disallows the loss. Plan the replacement: a similar but not identical fund keeps market exposure while preserving the deduction. The calendar matters as much as the trade.
Harvest throughout the year, not just in December. Losses appear whenever markets dip; waiting for year-end misses opportunities. Quarterly reviews catch the chances. Automated harvesting services do this continuously, which is part of their appeal.
Weigh the benefit against the costs. Harvesting makes sense when the tax savings exceed transaction costs and effort. Small losses in tax-advantaged accounts gain nothing, since those accounts are already tax-sheltered. Focus harvesting on taxable accounts.
Finally, keep records meticulously. Cost basis adjustments, wash-sale tracking and carryforward losses span years. Your tracking software should maintain this history; verify it does before relying on it. Good records make the tax return straightforward.
Sources we checked (9)
- https://www.empower.com/
- https://www.sharesight.com/
- https://www.kubera.com/
- https://sigfig.com/
- https://simplywall.st/
- https://www.stockrover.com/
- https://www.morningstar.com/
- https://delta.app/
- https://snowball-analytics.com/
Is your product missing or out of date?
We review this list regularly. Vendors can request a listing, send updated pricing or ask about featured placement.
Shihab Mia · Founder, Rankite
Shihab has spent more than a decade helping SaaS and e-commerce brands grow through search. He writes Rankite's software buying guides from pricing pages, documentation and public user reviews. More about Shihab.