Pure Benchmarks · Comparison

Best Portfolio Tracker Apps in 2026: 10 Compared

Updated October 30, 2026

Short answer

The best portfolio tracker app depends on what you want it to do after the data is in. Empower Personal Dashboard is the strongest free aggregator, with no holdings cap. Sharesight is the one with real capital gains tax reporting. Kubera covers the widest range of assets, Morningstar Investor has the deepest fund analysis and Delta by eToro tracks stocks and crypto together. To benchmark your portfolio against other real investors rather than an index, Pure Benchmarks, our own product, ranks a linked account against investors in the same risk category on a free account.

Every tracker on this page will show you a balance, a chart and an allocation pie. That part has been solved for a decade and it is not where they differ. The real split is what happens after the data is in: whether anything compares your result to something meaningful, whether the year-end tax paperwork comes out of it, whether you can run your actual portfolio without paying first, and whether the tool ever tells you that a specific thing you did was a mistake. This comparison scores ten trackers on those questions rather than on how the dashboard looks.

Tracking is the easy half

Aggregation is a commodity. Two or three vendors supply the connections behind most of these products, which is why the balance on your screen tends to match whichever app you open. What separates them is the layer above: the comparison, the attribution, the reporting. Choosing a tracker on the quality of its sync is choosing on the part they all buy from the same place.

What the free tier actually means in this category

Seven of the ten have something permanent and free, and the word covers very different things. An uncapped free dashboard is a real free product funded by an advisory upsell. Open-source software is free because you supply the data and, if you self-host, the server. A free plan capped at ten holdings is a demo for most real portfolios. A seven or fourteen-day trial is a sales window. The table separates the cap from the price so the free column means the same thing on every row.

Tax reporting is the one thing only a record keeper does well

If your holdings sit in taxable accounts, the strongest argument for a paid tracker is not the chart. It is that someone has reconciled every dividend, corporate action and currency movement into a report you can hand over in April. One tool here treats that as the product. Two more offer gains or tax-prep exports on their top paid plan. The rest, including ours, do not, and no amount of benchmarking substitutes for it.

The comparison layer is where the category thins out

Nearly every tracker here benchmarks against an index or a fund. That answers whether you beat the market. It cannot answer whether other people in your position did better with the same market, because an index pays no fees, holds no cash and never sells during a drawdown. Comparing against real portfolios needs a verified cross-custodial dataset rather than a price feed, which is why so few products offer it and why the ones that do define the peer group differently from each other.

How to pick without reading all ten pages

If your wealth spans real estate and private holdings, the answer is the net worth tracker. If your accounts are taxable and spread across brokers, the answer is the record keeper. If you want spending and investing in one free place, the answer is the aggregator, and if you will pay for a stronger budget, the paid budgeting app. If you hold stocks and crypto across several apps and live on your phone, the mobile multi-asset tracker. If you want no holdings cap and full control of your data, the open-source tracker. If you pick individual stocks and want research beside your holdings, the research platform. If the question keeping you up is whether your result and your decisions were any good, that is a different product category, and it is the one we build.

How this comparison works

Which portfolio tracker should I actually use, and what does each one give me beyond a running balance?

Every tool here tracks a portfolio. The differences start with what it does once it has the data, so the table scores capabilities rather than screenshots.
Free is split into two columns rather than one, because a permanent plan capped at ten holdings and a fourteen-day trial are not the same offer and neither is the same as an uncapped free tier.
Capabilities and prices were read from each vendor's own published pages on the date shown. Anything a vendor does not publish is marked as not listed rather than estimated.
Pure Benchmarks is our own product. Its four gaps are in the same table as everything else, including the two that would make another tool on this page the better choice.

The comparison

Capabilities verified against each vendor's published pages on October 16, 2026.

Capability	Pure Benchmarks	Empower Personal Dashboard	Sharesight	Morningstar Investor	Kubera	Snowball Analytics	Monarch Money	Delta by eToro	Ghostfolio	Simply Wall St
Automatic sync	Yes	Yes	Yes	Partly	Yes	Partly	Yes	Yes	No	Partly
Multiple brokers	Yes	Yes	Yes	Partly	Yes	Yes	Yes	Yes	Yes	Yes
Index benchmark	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Partly	Yes	Yes
Real investor comparison	Yes	No	No	No	Partly	Partly	No	No	No	No
Decision scoring	Yes	No	No	No	No	No	No	No	No	No
Tax reporting	No	No	Yes	No	No	No	Partly	Partly	No	No
Free, no holdings cap	Yes	Yes	No	No	No	No	No	No	Yes	No
Non-market assets	No	Partly	No	No	Yes	No	Yes	Partly	Partly	No
Budgeting	No	Yes	No	No	No	No	Yes	No	No	No
Price	Free account	Free dashboard	Free plan up to 10 holdings, paid plans above that	Subscription, free trial	$250 per year, or $2,500 per year for Black	Free plan, paid tiers above it	Paid only, 7-day trial	Free plan, paid tiers above it	Free plan, paid tier above it	Free plan, paid tiers above it

✓ yes · ~ partly · ✗ no

What each capability means

Pulls holdings automatically from a linked brokerage instead of relying on typing or file uploads

A tracker you have to feed by hand stops being accurate the first week you forget. Whether the data arrives on its own decides whether the numbers are still true in six months.

Holds accounts from more than one brokerage or custodian in a single view

Most people have a workplace plan in one place, an IRA in another and a taxable account somewhere else. A tracker that sees one of them is measuring a fragment and calling it a portfolio.

Compares the portfolio against a market index or a fund you choose

The baseline every tool in the category offers. It answers whether you beat the market, which is a real question and also the only one most trackers can answer.

Compares you against other real investors rather than only against a product

An index never paid a fee, never held cash and never sold in a drawdown. Other people did all three, which is why their results answer a question the index cannot.

Scores an individual buy or sell against the portfolio it replaced

Total return is a single number covering every choice you made. Scoring at the decision level is what separates knowing you are down from knowing which move did it.

Produces capital gains and dividend reports usable at tax time

For investors outside a tax-sheltered account, the year-end paperwork is half the reason to keep records at all, and only one tool on this page treats it as a first-class feature.

Permanent free tier with no cap on the number of holdings

A ten-holding free plan and a fourteen-day trial are both marketing. Whether you can run your real portfolio through the tool without paying first is a different question from whether the word free appears on the pricing page.

Tracks real estate, private holdings and self-custody crypto alongside securities

If most of your wealth is not in a brokerage, a securities-only tracker is measuring the visible part.

Includes budgeting, cash-flow or spending tracking

Some people want spending and investing in one place. Others want the investing view left uncluttered. Worth knowing which product you are signing up for.

Every tool in detail

Pure Benchmarks

A tracker that answers what the balance means rather than only what it is, by ranking you against real investors in your risk category and scoring each change you made.

Best for: Investors who already know their balance and want to know whether the result and the decisions behind it were any good.

Pricing: The full benchmark report runs on a free account with a linked portfolio. There is no holdings cap and no trial countdown on the comparison.

Strengths

Sorts every connected portfolio into one of nine standardized risk categories and ranks you inside your own, so the comparison holds risk roughly constant
Scores each major portfolio change against the portfolio you would still hold if you had left it alone
Applies the same scoring to advisor-managed and workplace accounts, not only to trades you placed yourself
Read-only by design and unable to move money in any linked account

Limitations

No capital gains or dividend tax reporting, so it does not replace a record-keeping tool at year end
Securities only: no real estate, private holdings or self-custody crypto wallets
No budgeting or spending features of any kind
Requires a read-only brokerage connection, so there is no manual-entry-only portfolio

Empower Personal Dashboard

The most widely used free aggregator, strongest as a whole-finances dashboard rather than as an analysis tool.

Best for: People who want net worth, budgeting, retirement planning and a high-level allocation check in one free place.

Pricing: The dashboard, Investment Checkup and Retirement Fee Analyzer are free with no holdings cap. Empower also sells advisor-managed portfolios, which is a separate paid product.

Strengths

Aggregates retirement plans, brokerages, loans, cards and cash in one free dashboard with no holdings limit
Investment Checkup assesses portfolio risk, reviews past performance and proposes an alternative allocation
The Retirement Fee Analyzer surfaces fund expense ratios inside retirement accounts and projects their lifetime drag

Limitations

Compares you to indexes and to a target allocation, never to other real investors
No scoring of individual buy or sell decisions
The free dashboard is also the acquisition funnel for the advisory service

Sharesight

The strongest record keeper in the category, built around accurate performance history and year-end tax reporting.

Best for: Investors with taxable accounts across several brokers who want precise dividend, currency and capital gains records.

Pricing: The free plan covers 1 portfolio and 10 holdings, closed positions included, with no credit card. Benchmarking and tax reports are listed on the paid plans, from Starter at $7 a month billed annually.

Strengths

Separates capital gains, dividends and currency movement in performance reporting, which almost nothing else here does
Benchmarks against any of more than 750,000 supported stocks, ETFs and funds rather than a fixed index list
Broker imports and multi-currency support built for people holding accounts in more than one market

Limitations

Benchmarking sits on the paid plans, so the free tier is record keeping rather than comparison
The comparison target is always a fund or an index, never another investor
Ten holdings on the free plan is below a typical real portfolio

Morningstar Investor

The deepest analysis of what you hold, from the firm that rates the funds you hold it in.

Best for: Fund-heavy investors who want overlap, style and fee analysis rather than transaction tracking.

Pricing: Sold as a subscription at $249 a year or $34.95 a month, after a 7-day free trial. There is no permanent free tier.

Strengths

Portfolio X-Ray breaks down asset allocation, sector weighting, investment style and fees across funds and stocks together
Benchmarks can be chosen across a range from aggressive to conservative, with indexes added for comparison
Backed by Morningstar's own fund research and ratings rather than a third-party data feed

Limitations

Oriented around holdings analysis rather than automatic transaction tracking across brokers
No comparison against other real investor portfolios
A trial rather than a free tier, so the analysis sits behind a payment decision

Kubera

The broadest asset coverage here, built as a net worth tracker rather than a securities analyzer.

Best for: People whose wealth sits across brokerages, real estate, private holdings and crypto rather than in one account.

Pricing: Kubera Essentials is listed at $250 per year and Kubera Black at $2,500 per year, after a 14-day trial. There is no permanent free tier.

Strengths

Connects to thousands of institutions through multiple aggregators and also accepts manually added tickers
Tracks stocks, crypto, real estate and private equity on one balance sheet, including IRR across committed capital, calls and distributions
Club benchmarks compare allocations and performance against aggregated data from customers with similar net worths

Limitations

The peer group is matched on net worth rather than on portfolio risk, so allocation differences are not controlled for
No tax or capital gains reporting listed on the product pages
No permanent free tier, and no budgeting by design

Snowball Analytics

A dividend-focused tracker with a genuine free plan and other people's portfolios to browse.

Best for: Income investors who want dividend projections, calendars and a look at how others have built a portfolio.

Pricing: The free plan covers 1 portfolio, 10 holdings and 1 watchlist with limited benchmarking. Brokerage linking begins on the Starter plan; all plans accept broker report imports.

Strengths

A permanent free plan rather than a countdown, including limited benchmarking and rebalancing
Strong dividend tracking, projections, calendars and filtering for income-oriented portfolios
Higher tiers add full benchmarking, portfolio reports and long-range backtests

Limitations

Brokerage linking starts on the Starter plan, so the free plan runs on imported broker reports
Published portfolios are self-selected and self-reported, which is visibility rather than a verified peer cohort
No tax reporting listed, and no decision-level scoring

Monarch Money

A paid personal finance app that puts budgeting, net worth and synced investment accounts in one dashboard.

Best for: Households who want budgeting and spending control first, with a solid read on investments alongside it.

Pricing: Core costs $14.99 a month or $99.99 a year, and Plus costs $199.99 a year, adding advanced investment analysis, unrealized gains and tax-prep exports. Both start with a 7-day free trial that requires a payment method.

Strengths

Connects to more than 13,000 banks and financial institutions, with home values from Zillow and crypto from Coinbase
The investment performance chart compares your portfolio with benchmarks such as the S&P 500
Full budgeting, recurring bill tracking and cash flow reports in the same app

Limitations

No free plan, and the trial needs a payment method
Performance is charted as if you had held today's securities for the whole range, not from your actual trade history
Gain and loss analysis and tax-prep exports need the $199.99 Plus plan

Delta by eToro

A mobile-first multi-asset tracker that syncs stock brokerages, crypto exchanges and wallets into one portfolio.

Best for: Investors who hold both stocks and crypto across several apps and want one live view on their phone.

Pricing: Basic is free for up to 10 tracked assets. PRO is $6.99 a month or $53.88 a year for 40 assets, and PRO+ is $13.99 a month, $107.88 a year or $299 lifetime for unlimited assets, multiple portfolios and gains reporting. Delta notes prices may vary by location.

Strengths

Unlimited brokerage, exchange and wallet connections on every plan, including the free one
Covers stocks, funds, crypto, commodities, indices and forex in one portfolio
Its help center describes comparing portfolio performance against indices or any other asset

Limitations

The free plan stops at 10 assets and PRO at 40
Realized and unrealized gains reports and multiple portfolios are PRO+ only
No real estate or other non-market assets listed beyond manually entered transactions

Ghostfolio

An open-source wealth tracker you can self-host for free or use as a hosted cloud service.

Best for: Privacy-minded or technical investors who will import their own trades in exchange for no holdings cap and full control of their data.

Pricing: The self-hosted open-source version and the hosted Basic plan are free with unlimited transactions and accounts. Premium costs $48 a year, does not auto-renew, and adds benchmarks, allocations and a professional data provider on the hosted version.

Strengths

Open source under AGPLv3, and the self-hosted version includes benchmarks at no cost
No cap on transactions or accounts on the free plans
Tracks stocks, ETFs, bonds, crypto, dividends, liabilities and valuables in one place

Limitations

No brokerage linking listed, so activity comes in through import or manual entry
Benchmarks and allocations need Premium on the hosted version
No tax reports or budgeting tools listed

Simply Wall St

A visual stock research platform with a portfolio tracker built in, strongest on company analysis and valuation.

Best for: Stock pickers who want research, valuation and dividend analysis next to their holdings.

Pricing: Free covers 1 portfolio, 10 holdings and 5 company reports a month. Premium is $10.95 a month billed annually with 3 portfolios of 30 holdings, and Unlimited is $21.50 a month billed annually. New accounts get 7 days of Premium with no card required.

Strengths

Broker sync with more than 2,000 brokers, plus AI import of spreadsheets and broker statements
Returns shown as IRR and capital gains and measured against market benchmarks
Covers more than 120,000 stocks, ETFs and funds across 129 exchanges with visual company reports

Limitations

Broker sync is not on the free plan
The free plan stops at 10 holdings and Premium at 30 per portfolio
Listed equities and funds only, with no tax reports, crypto wallets or budgeting listed

Your current platform won't show you how your portfolio ranks against real investors in the same risk category. Create your secure Pure Benchmarks account and see exactly where you stand.

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Frequently asked questions

What is the best app for benchmarking my portfolio?

It depends on what you want to be measured against. Empower Personal Dashboard, Sharesight and Morningstar Investor chart your return against a market index. Kubera compares you with aggregated customers of similar net worth. Pure Benchmarks, our own product, ranks a linked account against verified investors holding a similar mix in the same risk category, and scores each buy and sell against the portfolio you had before it. Empower and Pure Benchmarks both sync linked accounts on a free account with no holdings cap.

What kinds of apps help investors track performance?

Four kinds. Aggregators such as Empower Personal Dashboard and Monarch Money pull every account into one balance and chart. Record keepers such as Sharesight track cost basis, dividends and tax. Research tools such as Morningstar Investor and Simply Wall St analyse the funds and stocks you hold. Benchmarking tools such as Pure Benchmarks compare your result with something meaningful, in its case other real investors in the same risk category.

What is the best portfolio tracker app in 2026?

There is no single answer because the tools are not solving the same problem. Empower Personal Dashboard is the strongest free aggregator. Sharesight is the strongest record keeper and the only one here with real tax reporting. Kubera has the broadest asset coverage. Morningstar Investor has the deepest fund analysis. Snowball Analytics is built for dividend investors. Monarch Money pairs investments with budgeting, Delta by eToro tracks stocks and crypto together on mobile, Ghostfolio is the open-source option, and Simply Wall St adds stock research. Pure Benchmarks, our own product, is the one that compares your result to real investors in the same risk category and scores individual decisions.

Which portfolio trackers are genuinely free?

Empower Personal Dashboard is free with no holdings cap, Pure Benchmarks produces its full report on a free account, and Ghostfolio is free with unlimited transactions if you import your own trades. Sharesight, Snowball Analytics and Simply Wall St have permanent free plans capped at ten holdings, and Delta by eToro at ten assets. Morningstar Investor and Monarch Money offer 7-day trials and Kubera a 14-day trial rather than free tiers.

Do portfolio trackers connect to more than one brokerage?

Most do. Empower, Sharesight, Kubera, Monarch Money, Delta by eToro and Pure Benchmarks all aggregate across brokers. Snowball Analytics links brokerages from its Starter plan and Simply Wall St from Premium, and both accept imports on every plan. Ghostfolio holds accounts from any broker but fills them by import or manual entry. Morningstar Investor is oriented around import and holdings analysis rather than continuous multi-broker syncing.

Which portfolio tracker produces tax reports?

Of the ten compared here, Sharesight is the one built for it, separating capital gains, dividends and currency movement in reports on its paid plans. Monarch Money adds tax-prep exports on its Plus plan and Delta by eToro gains reporting on PRO+. Kubera, Snowball Analytics, Empower, Morningstar Investor, Ghostfolio, Simply Wall St and Pure Benchmarks do not list capital gains tax reporting.

Which portfolio tracker app tracks stocks and crypto together?

Delta by eToro is built for it, syncing brokerages, crypto exchanges and wallets into one portfolio, with unlimited connections on every plan. Kubera and Monarch Money also hold crypto alongside brokerage accounts as part of a wider net worth view. Ghostfolio tracks crypto from imported or entered trades. Pure Benchmarks covers securities in linked brokerage and retirement accounts only.

What is the best free portfolio tracker?

It depends on the cap you can live with. Empower Personal Dashboard is free with no holdings cap and syncs automatically. Ghostfolio is free with no cap but you import the trades yourself. Pure Benchmarks is free with no cap and adds a comparison against real investors in your risk category. Sharesight, Snowball Analytics, Simply Wall St and Delta by eToro all stop their free plans at ten holdings or assets.

Is a portfolio tracker the same thing as a portfolio benchmark?

No. A tracker records what you hold and what it is worth. A benchmark compares that result to something else. Every tracker here can compare you to an index; far fewer compare you to other real investors, and only one scores the individual changes you made against the portfolio they replaced.

How were these trackers compared?

Each capability and price was read from the vendor's own published pages on the date shown on this page. Where a vendor does not publish something, it is marked as not listed rather than estimated. Pure Benchmarks is our own product and its four gaps appear in the same table as everything else.

Keep exploring

See how portfolios at a specific firm rank against real investors everywhere else:

New here? Read the portfolio benchmarking FAQ or the Pure Benchmarks blog.

This page is an information baseline for comparison only. It is not investment advice and not a recommendation to buy, sell, replace, or transfer any specific asset, account, or firm. Past performance does not guarantee future results. All figures shown are illustrative.