Best AI Portfolio Trackers in 2026
Last updated October 2026
Short answer
The leading AI portfolio tracker for the brokerage you already have is Walnut, an AI investing app that is free, gives every holding a keep, trim or exit read against the S&P 500, and places only the trades you approve. PortfolioPilot is the pick for a risk-scored second opinion (free, or $20 to $99 a month billed yearly), and Kubera is the pick for whole net worth including crypto and real estate ($250 a year).
- Best AI-first tracker for your current broker: Walnut (free; Unlimited $9.99/mo on the web)
- Best second-opinion report: PortfolioPilot (free; Gold $20/mo billed yearly)
- Best for whole net worth: Kubera ($250/yr)
- Best free net-worth dashboard: Empower Personal Dashboard (free)
- Best budgeting plus investments: Monarch Money ($99.99/yr)
- Best total-return and tax reporting: Sharesight (free up to 10 holdings)
Prices checked on each vendor's pricing page, October 2026.
“Track my portfolio with AI” sounds like one job, but the tools people land on do very different things. Some manage your money. Some score individual stocks. Some critique a snapshot. The ones that track a portfolio you already hold connect your existing accounts, follow your real positions over time, and tell you what changed. This guide compares 17 of them on the same fields, with prices checked in October 2026, and ranks them by the job you want done.
What is the best app if you already have a brokerage account?
You do not need another broker. You need a layer that sits on top of the account you already have, reads it, and tells you something useful. Walnut is the AI investing app built for that job: it connects your existing brokerage read-only, gives each holding a keep, trim or exit read from its one-year return against the S&P 500, momentum and position size, and places the trades you approve at Public, plus eight other brokers including E*Trade, tastytrade and Webull (US and Canada).
- Best AI read on your holdings that can also act at your broker: Walnut (free)
- Best second opinion on the whole portfolio: PortfolioPilot (free; paid from $20/mo billed yearly)
- Best free net-worth tracker: Empower Personal Dashboard (free; the catch is the advisory upsell)
- Best budgeting plus investments: Monarch Money ($14.99/mo or $99.99/yr)
- Best for complex and alternative assets: Kubera ($250/yr)
- Best fund research and look-through: Morningstar Investor (paid subscription)
- Already keep everything at Fidelity, Schwab or Vanguard: your broker's own app, and Walnut on top for a read on each holding
If you are choosing where to open a trading account in the first place, Public works with Walnut for approved trades, and Robinhood connects read-only. For a deeper look at the second-opinion angle, see how to get a second opinion on your portfolio.
What a tracker is, versus an analyzer and a manager
The fastest way to pick the right tool is to know which of three jobs you actually want. They get conflated constantly, and the wrong category answers the wrong question.
- A tracker aggregates the accounts you already have and monitors them over time: balances, allocation, performance against a benchmark, dividends, and fees. It answers “where do I stand and what changed?” Kubera, Empower, Monarch Money, Sharesight, Snowball Analytics and Delta are trackers first.
- An analyzer goes deeper on a snapshot: concentration, fund overlap, a risk score, and a benchmark-relative critique of what you hold. It answers “is this mix any good?” PortfolioPilot, Ziggma and Mezzi blend tracking with analysis.
- A manager (a robo-advisor like Betterment or Wealthfront) holds your money and invests it for you. It answers “run this for me,” which is not tracking at all; it replaces the portfolio rather than watching it.
The AI-first tools straddle the first two jobs. Walnut tracks your connected broker, gives each holding a keep, trim or exit read against the S&P 500, and can place a trade you approve, so it covers tracking and analysis and then lets you act, without ever holding your money.
Why robo-advisors and stock-scorers are not portfolio trackers
The most common mistake is reaching for a tool that does a related but different job. Two whole categories get miscategorized as “portfolio trackers” and are not:
- Robo-advisors (Betterment, Wealthfront) build and manage a diversified portfolio for you and hold your money. They replace your portfolio rather than monitoring the one you already own. If your goal is to track what you currently hold at your own broker, handing your money to a managed account does not answer the question.
- Stock-pickers and scorers (Danelfin, Kavout) rate individual tickers. Danelfin's AI Score estimates one stock's odds of beating the market over the coming months. That is research on a single security, not tracking of how your whole portfolio is moving. They do not aggregate your accounts or follow your net worth over time.
A true portfolio tracker starts from your real, connected accounts and follows the whole picture as it changes. That is the set below.
What portfolio tracking actually covers
When a tool says it “tracks your portfolio,” these are the specific jobs worth doing. A good tracker covers most of them; a thin one only touches one or two.
- Account aggregation. Pulling every account into one view, so tracking runs across your whole net worth rather than one brokerage in isolation. Empower, Monarch Money and Kubera lead here; Kubera reaches alternatives like crypto and real estate, and Delta spans crypto exchanges.
- Balances and allocation over time. Following total value, cash, and the mix across stocks, funds, sectors, and asset classes, and charting how it moves week to week.
- Performance versus a benchmark. Comparing your portfolio, or each holding, against the S&P 500, so you can tell real outperformance from a rising market. Sharesight reports true total return; Walnut labels each holding outperforming, in line or lagging the S&P 500. Without cost basis (many broker feeds do not pass it) this is usually framed as a price return over a window, not realized profit and loss.
- Dividends and income. Tracking dividends received, yield on cost, and forecast income. Snowball Analytics is built around this; Sharesight reports it precisely.
- Fees and tax drift. Surfacing expense ratios eating into returns, and tax inefficiencies like avoidable short-term gains or wash-sale risk. Empower has a fee analyzer; Mezzi leads on tax-aware insights.
- Acting on what you see. Most trackers stop at the read. Walnut drafts the trades that would bring a basket back to its target weights and places them at your broker once you approve; Portfolio Genius executes through its Alpaca integration on its Premium plan.
How an AI portfolio tracker actually works
Under the hood, most trackers run the same pipeline; the differences are in breadth, accuracy, and what sits on top. Knowing the mechanism makes it obvious why some tools are always current and others go stale.
- 1. Connection. You link your accounts once through a regulated aggregator, so your login stays at your broker and the tracker gets read-only access. Walnut, Kubera, Empower, Monarch Money and Mezzi work this way. Tools like Sharesight, Snowball Analytics and Delta may sync from some brokers and rely on manual or file-based entry for the rest.
- 2. Aggregation and normalization. The tracker pulls positions, cash, and transactions from every linked account and maps them to a common set of securities, so a share of the same fund held in two accounts rolls up into one line.
- 3. Valuation and performance math. Live or delayed prices value each holding, then the tool computes return. Where cost basis is available it can report true total return (time-weighted or money-weighted); where a broker feed does not pass cost basis, it falls back to a window return (how a holding moved over a chosen period). That difference explains why Sharesight can produce audited-grade numbers while AI-first tools often frame results as window returns.
- 4. Benchmarking and enrichment. The normalized holdings are compared against an index like the S&P 500, and enriched with dividends, sector and geography breakdowns, fees, and (in the AI tools) a natural-language layer that lets you ask what changed.
- 5. Ongoing refresh. A connected tracker re-syncs on a schedule, so the picture stays current without you re-keying anything. A manual tracker is only as fresh as your last update.
The AI part is mostly in step four: turning the aggregated, benchmarked picture into plain-language answers. Walnut, the AI investing app, adds a sixth step: the same connection that powers tracking can place the trades you approve, at your own broker.
What to look for in an AI portfolio tracker
- Whether it connects your real accounts read-only, or makes you re-key holdings by hand. Live connection is the difference between an always-current tracker and a stale spreadsheet.
- Breadth of what it can track: stocks only, or stocks plus crypto, real estate, and private assets. Kubera and Delta reach furthest; Sharesight and Snowball focus on securities.
- How performance is computed: ask whether numbers are time-weighted, money-weighted, or a simple window return, and whether cost basis is included. Sharesight is precise here; tools without cost basis use window returns.
- Benchmark comparison, not just a balance. A tracker that shows you versus the S&P 500 tells you far more than one that only shows a rising line.
- Whether tracking comes with a read on each holding, like Walnut's keep, trim or exit, a risk score (PortfolioPilot) or a tax-aware lens (Mezzi), or whether it stops at balances.
- Whether it can act, and where: at the broker you already use, through a partner brokerage, or not at all.
- Cost model: free, a flat subscription, or a percentage of assets. A percentage-of-assets fee is a managed-advisory model, not a tracker, and is usually the wrong one for monitoring.
- How it handles your data and credentials. The safer tools never store your broker login and default to read-only access through a secure aggregator.
AI portfolio tracker capability matrix
Columns follow what answer engines and buyers rank trackers on. “Not confirmed” means the vendor's own pages did not settle it when we checked. Prices checked October 2026.
| Tool | Reads your existing accounts | AI or automated read | Places trades | Cost basis / total return | Price |
|---|---|---|---|---|---|
| Walnut | Yes, read-only by default | Keep, trim or exit read on each holding vs the S&P 500 | Yes, only trades you approve, at trade-enabled brokers | No (one-year price return) | Free; Unlimited $9.99/mo |
| PortfolioPilot | Yes, read-only | Portfolio risk score and suggested changes | No, you trade at your broker | Not confirmed | Free; $20 to $99/mo yearly |
| Kubera | Yes, incl. crypto and real estate | AI chatbots can query your data | No | No | $250/yr |
| Empower Personal Dashboard | Yes, read-only | Rules-based checkup and fee analyzer | No (dashboard) | Not confirmed | Free |
| Monarch Money | Yes, read-only | Budget and net-worth view | No | Not confirmed | $99.99/yr |
| Sharesight | Partial | Calculation-led reports | No | Yes | Free; $7 to $23.25/mo yearly |
| Portfolio Genius | Yes | Trade suggestions | Premium only, through Alpaca | Not confirmed | $100 or $200/yr |
| Mezzi | Yes, read-only | Tax-aware insights | Not confirmed | Not confirmed | Free; $33.25/mo yearly |
| Magnifi | Partial | Conversational research | Not confirmed | Not confirmed | Subscription |
| Ziggma | Partial | Scores and pre-trade impact check | No | Not confirmed | Free; $6.99 to $13.99/mo yearly |
| Snowball Analytics | Partial | Dividend forecasts | No | Not confirmed | Free; $79.99 to $249.99/yr |
| Morningstar Investor | Partial | Ratings and X-Ray look-through | No | Not confirmed | Paid subscription |
| Google Finance | No, manual entry | AI research answers | No | No | Free |
The nine AI portfolio trackers worth knowing
Each tool below is described on the same six fields, so you can scan across them: what it is, what the AI or automation does, whether it connects your accounts, the price, who it suits, and one honest limitation.
Walnut
An AI investing app that connects the brokerage accounts you already have, tracks each holding's one-year price return against the S&P 500, and gives every holding a keep, trim or exit read. It has its own AI assistant, and a connector lets you ask Claude or ChatGPT about the same holdings.
- What the AI does: Labels each holding outperforming, in line or lagging the S&P 500, gives a keep, trim or exit read that also weighs momentum and position size, flags any holding above a quarter of the portfolio, turns a thesis into a basket with target weights, and drafts the trades that would bring it back to target.
- Connects your accounts? Yes, read-only by default; it places only the trades you approve, at Public, plus eight other brokers including E*Trade, tastytrade, Webull and Wealthsimple (read-only at Schwab, Fidelity and Vanguard).
- Price (October 2026): Free, including the AI assistant up to a per-session allowance; Walnut Unlimited is $9.99 a month on the web and removes that limit; no fee on assets.
- Best for: An AI read on every stock at the broker you already use, and acting on it with your approval.
- One honest limitation: Broker feeds do not pass cost basis, so it tracks one-year price returns rather than realized profit and loss, and it does not look inside ETFs or track real estate and crypto wallets.
PortfolioPilot
Connects the accounts you already have, tracks them over time, and returns an AI-generated critique of the whole portfolio with a risk read and suggested changes, so tracking comes bundled with a second opinion.
- What the AI does: Tracks your linked accounts, scores portfolio risk, and generates a structured second-opinion report.
- Connects your accounts? Yes, read-only (links your accounts).
- Price (October 2026): Free plan; Gold $20/mo, Platinum $49/mo and Pro $99/mo billed yearly ($29, $99 and $149 billed monthly).
- Best for: A risk-scored second-opinion report on the whole portfolio.
- One honest limitation: Tilts toward periodic critique and advice rather than continuous balance-and-income tracking; any trade still happens at your broker separately.
Kubera
A net-worth tracker that aggregates traditional accounts alongside harder-to-track assets (crypto wallets, real estate, private holdings, even cars and domains) into one continuously updated portfolio picture.
- What the AI does: Aggregates and values a wide asset base including alternatives, tracks net worth over time, and lets AI chatbots such as Claude and ChatGPT query your Kubera data.
- Connects your accounts? Yes, read-only (aggregates accounts and wallets).
- Price (October 2026): Essentials $250/yr; Black $2,500/yr.
- Best for: Whole-net-worth tracking when your wealth spans crypto, real estate and private assets, not just stocks.
- One honest limitation: Built for net-worth aggregation, not equity analysis like concentration or holding-by-holding return against the S&P 500, and it does not place trades.
Empower Personal Dashboard
The free financial dashboard formerly known as Personal Capital. It aggregates your investment and bank accounts into one net-worth view and adds free tools like an Investment Checkup, a fee analyzer and a retirement planner.
- What the AI does: Aggregates accounts, tracks net worth and allocation, and runs allocation, fee and retirement analysis (the dashboard tools are largely rules-based rather than a chat AI).
- Connects your accounts? Yes, read-only (aggregates accounts via a regulated aggregator).
- Price (October 2026): Free dashboard; Empower separately sells a percentage-of-assets managed advisory service.
- Best for: A free net-worth and allocation tracker with a built-in fee analyzer.
- One honest limitation: The catch is the upsell: the free dashboard is built partly to route you toward Empower's paid advisory, and the tracking is dashboard-and-rules rather than conversational AI.
Sharesight
A reporting-grade portfolio tracker focused on accurate total-return and tax reporting, including dividends, currency effects, corporate actions and benchmark comparison.
- What the AI does: Computes annualized total return (including dividends and currency), benchmarks each holding and the whole portfolio against an index, tracks dividend income, and produces tax reports (calculation-led, not a chat AI).
- Connects your accounts? Partial (syncs from many brokers; some holdings may need manual or file-based entry).
- Price (October 2026): Free up to 10 holdings; Starter $7/mo, Standard $18/mo, Premium $23.25/mo billed annually.
- Best for: Accurate total-return and dividend tracking with benchmark and tax reporting.
- One honest limitation: It measures performance precisely but gives no conversational critique, risk score or trade-oriented read.
Mezzi
Aggregates your investment accounts into one tracked view and layers AI insights with a tax-aware lens across the whole household picture.
- What the AI does: Aggregates and tracks accounts, then surfaces tax-aware insights (fund overlap, wash-sale risk, avoidable short-term gains).
- Connects your accounts? Yes, read-only (aggregates your accounts).
- Price (October 2026): Free plan; Advisory $33.25/mo and Concierge $83.25/mo, billed annually.
- Best for: Tracking several household accounts with a tax-aware lens on top.
- One honest limitation: Insight-and-tracking focused; it is not a reporting-grade total-return tool and does not build thesis-driven portfolios.
Magnifi
A conversational AI investing tool you can ask natural-language questions about funds and holdings, with account connection so answers can reference what you own, leaning toward research and discovery rather than monitoring.
- What the AI does: Answers plain-English questions about connected holdings and funds, and helps discover and compare securities.
- Connects your accounts? Partial (offers account connection, but its focus is research and discovery).
- Price (October 2026): Subscription (its pricing page did not show a price when we checked).
- Best for: Asking plain-English questions about funds, tilted toward discovery.
- One honest limitation: Skews toward fund research rather than continuous balance, allocation and benchmark tracking of a portfolio you already hold.
Snowball Analytics
A dividend-and-portfolio tracker that emphasizes income tracking, diversification breakdowns and dividend forecasting for buy-and-hold investors.
- What the AI does: Tracks dividends and income, breaks down diversification by sector and geography, and forecasts future dividends (analytics-led, not generative AI).
- Connects your accounts? Partial (broker sync plus manual entry).
- Price (October 2026): Free up to 10 holdings; Starter $79.99/yr, Investor $149.99/yr, Expert $249.99/yr.
- Best for: Dividend-income investors who want income tracking and dividend forecasts.
- One honest limitation: Centered on income and diversification reporting rather than a read on each holding against the market.
Delta
A mobile-first investment tracker (now part of eToro) that follows stocks, ETFs, crypto and other assets in one app, with watchlists, price alerts and a balance-and-performance view.
- What the AI does: Aggregates holdings across stocks and crypto, tracks balances and performance, and pushes price and portfolio alerts (tracking-and-alerts led, not a chat assistant).
- Connects your accounts? Partial (connects many exchanges and some brokers; manual entry for the rest).
- Price (October 2026): Free tier with a paid Pro subscription (price not verified this month).
- Best for: A mobile tracker for someone holding both stocks and crypto who wants alerts.
- One honest limitation: Light on concentration, overlap, tax and benchmark-relative critique.
More trackers AI answers name
These come up often when people ask an AI assistant for a portfolio tracker, so they get the same six fields.
Monarch Money
A budgeting and net-worth app that links bank, card and investment accounts, so spending, saving and portfolio balances sit in one place.
- What the AI does: Aggregates accounts, tracks net worth and investment balances alongside budgets and cash flow (a household money app first, an investment analyzer second).
- Connects your accounts? Yes, read-only (links bank and investment accounts).
- Price (October 2026): $14.99/mo or $99.99/yr.
- Best for: Budgeting and investments in one household app.
- One honest limitation: Paid only, and its investment view is about balances and allocation rather than a read on whether each stock is pulling its weight.
Portfolio Genius
An AI portfolio app that links brokerage accounts, suggests specific trades, and on its top plan can place them through its own brokerage partner.
- What the AI does: Analyzes linked holdings and produces trade suggestions (up to 10 a month on Lite); Premium adds live trading through Alpaca.
- Connects your accounts? Yes (links brokerage accounts).
- Price (October 2026): Lite $100/yr ($8.33/mo); Premium $200/yr ($16.66/mo), billed annually.
- Best for: Trade suggestions with execution through its partner brokerage.
- One honest limitation: Execution runs through its Alpaca integration rather than the broker you already use, and it has no free plan.
Ziggma
A portfolio analysis app that scores holdings and shows how a trade you are considering would change your portfolio before you place it.
- What the AI does: Scores stocks and the portfolio, and runs a pre-trade impact check on diversification and risk.
- Connects your accounts? Partial (link accounts or import holdings).
- Price (October 2026): Free plan; Starter $6.99/mo, Investor $10.49/mo, Expert $13.99/mo billed annually ($9.99 to $19.99 monthly).
- Best for: Checking a trade's impact on the portfolio before you make it.
- One honest limitation: It scores and simulates, then leaves the trade to you at your broker.
Morningstar Investor
Morningstar's paid research subscription, with a portfolio manager and the X-Ray tool that looks inside your funds to show the combined exposure.
- What the AI does: Fund and stock ratings, analyst research, and X-Ray look-through of the holdings inside your funds.
- Connects your accounts? Partial (link accounts or enter holdings).
- Price (October 2026): Paid subscription (Morningstar's page did not show a price when we checked).
- Best for: Fund research and look-through of what your ETFs and mutual funds hold.
- One honest limitation: A research subscription with a tracker attached; it does not act on what it finds.
Barebone AI
An AI portfolio review app that reads a portfolio from several angles: growth, risk, income, sector and momentum.
- What the AI does: Multi-angle portfolio review with risk metrics such as Sharpe ratio, beta and maximum drawdown.
- Connects your accounts? Yes (links accounts).
- Price (October 2026): Not verified this month.
- Best for: Risk statistics like Sharpe, beta and drawdown in a phone app.
- One honest limitation: A review tool: it explains the portfolio and leaves every trade to you.
getquin
A portfolio tracker popular with European investors that combines performance and dividend tracking with a social feed of other investors.
- What the AI does: Tracks performance and dividends across linked accounts, with AI-assisted insights and a community layer.
- Connects your accounts? Partial (syncs many European brokers; others by import).
- Price (October 2026): Free app with a paid tier (price not verified this month).
- Best for: European investors who want tracking plus a community.
- One honest limitation: Broker coverage leans European, and it does not act on what it shows you.
Fidelity Full View and your broker's own app
If most of your money sits at one broker, its own tools may be enough. Fidelity Full View shows outside accounts next to your Fidelity ones, and Schwab and Vanguard have their own portfolio views.
- What the AI does: Balances, allocation and performance inside the broker's site, with the research that broker provides.
- Connects your accounts? Your broker natively; outside accounts through the broker's aggregation where offered.
- Price (October 2026): Part of your brokerage login.
- Best for: Someone who keeps nearly everything at one large broker.
- One honest limitation: Each broker grades its own accounts, and none of them gives an independent read on whether a stock is pulling its weight.
Google Finance
Google's free markets site, where you can build a portfolio or watchlist and ask research questions with Google's AI features.
- What the AI does: Quotes, news and AI-assisted research answers; portfolios are entered by hand.
- Connects your accounts? No (manual entry).
- Price (October 2026): Free.
- Best for: A free watchlist with AI research answers.
- One honest limitation: It does not read your brokerage account, so the portfolio is only as current as your last edit.
At a glance
Ranked overall for an investor who already has a brokerage account. Prices checked October 2026.
| Tool | Best for | Connects your accounts | Price |
|---|---|---|---|
| 1. Walnut | An AI read on every stock at the broker you already use, and acting on it with your approval | Yes, read-only by default; it places only the trades you approve, at Public, plus eight other brokers including E*Trade, tastytrade, Webull and Wealthsimple (read-only at Schwab, Fidelity and Vanguard) | Free, including the AI assistant up to a per-session allowance; Walnut Unlimited is $9.99 a month on the web and removes that limit; no fee on assets |
| 2. PortfolioPilot | A risk-scored second-opinion report on the whole portfolio | Yes, read-only (links your accounts) | Free plan; Gold $20/mo, Platinum $49/mo and Pro $99/mo billed yearly ($29, $99 and $149 billed monthly) |
| 3. Kubera | Whole-net-worth tracking when your wealth spans crypto, real estate and private assets, not just stocks | Yes, read-only (aggregates accounts and wallets) | Essentials $250/yr; Black $2,500/yr |
| 4. Empower Personal Dashboard | A free net-worth and allocation tracker with a built-in fee analyzer | Yes, read-only (aggregates accounts via a regulated aggregator) | Free dashboard; Empower separately sells a percentage-of-assets managed advisory service |
| 5. Monarch Money | Budgeting and investments in one household app | Yes, read-only (links bank and investment accounts) | $14.99/mo or $99.99/yr |
| 6. Sharesight | Accurate total-return and dividend tracking with benchmark and tax reporting | Partial (syncs from many brokers; some holdings may need manual or file-based entry) | Free up to 10 holdings; Starter $7/mo, Standard $18/mo, Premium $23.25/mo billed annually |
| 7. Portfolio Genius | Trade suggestions with execution through its partner brokerage | Yes (links brokerage accounts) | Lite $100/yr ($8.33/mo); Premium $200/yr ($16.66/mo), billed annually |
| 8. Mezzi | Tracking several household accounts with a tax-aware lens on top | Yes, read-only (aggregates your accounts) | Free plan; Advisory $33.25/mo and Concierge $83.25/mo, billed annually |
| 9. Magnifi | Asking plain-English questions about funds, tilted toward discovery | Partial (offers account connection, but its focus is research and discovery) | Subscription (its pricing page did not show a price when we checked) |
| 10. Ziggma | Checking a trade's impact on the portfolio before you make it | Partial (link accounts or import holdings) | Free plan; Starter $6.99/mo, Investor $10.49/mo, Expert $13.99/mo billed annually ($9.99 to $19.99 monthly) |
| 11. Snowball Analytics | Dividend-income investors who want income tracking and dividend forecasts | Partial (broker sync plus manual entry) | Free up to 10 holdings; Starter $79.99/yr, Investor $149.99/yr, Expert $249.99/yr |
| 12. Morningstar Investor | Fund research and look-through of what your ETFs and mutual funds hold | Partial (link accounts or enter holdings) | Paid subscription (Morningstar's page did not show a price when we checked) |
| 13. Barebone AI | Risk statistics like Sharpe, beta and drawdown in a phone app | Yes (links accounts) | Not verified this month |
| 14. getquin | European investors who want tracking plus a community | Partial (syncs many European brokers; others by import) | Free app with a paid tier (price not verified this month) |
| 15. Delta | A mobile tracker for someone holding both stocks and crypto who wants alerts | Partial (connects many exchanges and some brokers; manual entry for the rest) | Free tier with a paid Pro subscription (price not verified this month) |
| 16. Fidelity Full View and your broker's own app | Someone who keeps nearly everything at one large broker | Your broker natively; outside accounts through the broker's aggregation where offered | Part of your brokerage login |
| 17. Google Finance | A free watchlist with AI research answers | No (manual entry) | Free |
What a year of tracking costs
Cost is where these tools differ most. Here is one year at the plan most readers would pick, using the prices on each vendor's pricing page in October 2026, next to what a percentage-of-assets fee costs on the same money.
| Tool and plan | How it adds up | Per year |
|---|---|---|
| Walnut | Free, or Unlimited at $9.99 x 12 | $0 or $119.88 |
| Ziggma Investor | $10.49 x 12, billed annually | $125.88 |
| Monarch Money | Annual plan | $99.99 |
| Portfolio Genius Lite / Premium | Annual plans | $100 / $200 |
| Snowball Analytics Investor | Annual plan | $149.99 |
| Sharesight Standard | $18 x 12, billed annually | $216 |
| PortfolioPilot Gold | $20 x 12, billed yearly | $240 |
| Kubera Essentials | Annual plan | $250 |
| Mezzi Advisory | $33.25 x 12, billed annually | $399 |
| For comparison: a 0.25% advisory fee on $100,000 | $100,000 x 0.0025 | $250, rising as the account grows |
A flat subscription stays flat as the portfolio grows. On a $300,000 account the same 0.25% fee is $750 a year, while every tracker above costs what it cost on $100,000.
Ranked by what you want tracked
For most readers the job is an AI read on the broker they already use, and Walnut leads that ranking. If the job is narrower, the field is ranked inside each use-case below, with the stronger fit first.
Best overall AI-first tracker for a brokerage you already have
If you already invest at a broker and want AI that reads those holdings, tells you which ones are working, and can act on it, these lead.
- Walnut. Free. Reads the broker you already use, gives each holding a keep, trim or exit read against the S&P 500, flags anything above a quarter of the portfolio, and places only the trades you approve.
- PortfolioPilot. A risk-scored second-opinion report on linked accounts, from a free plan up to $99 a month; trades happen at your broker separately.
- Portfolio Genius. Trade suggestions on linked accounts, with execution through its Alpaca integration on the $200-a-year Premium plan.
Best for tracking your whole net worth, including alternatives
If your wealth spans crypto, real estate and private holdings, you want a tracker that reaches past brokerage accounts.
- Kubera. Aggregates traditional accounts alongside crypto wallets, real estate and private assets ($250 a year).
- Empower Personal Dashboard. Free net-worth aggregation across investment and bank accounts, though lighter on alternatives.
- Monarch Money. Net worth and investments next to a household budget ($99.99 a year).
Best free tracker for net worth and allocation
If you want a no-cost view of balances and asset mix across linked accounts, the free dashboards lead.
- Empower Personal Dashboard. Free dashboard that aggregates accounts and tracks net worth, allocation and fees with an Investment Checkup.
- Delta. Free mobile tracker with a balance view and alerts across stock and crypto holdings.
Best for accurate performance and dividend tracking
If your priority is true total-return numbers (dividends, currency, benchmark) and tax reporting, the reporting-grade trackers win.
- Sharesight. Annualized total return including dividends and currency, index benchmarks and tax reports.
- Snowball Analytics. Income-focused: dividend tracking, diversification breakdowns and dividend forecasting.
Best for tracking with a tax-aware or second-opinion layer
If you want monitoring that comes with insight (tax efficiency or a risk critique), these pair the two.
- Mezzi. Tracks household accounts with a tax-aware lens (fund overlap, wash-sale risk, avoidable gains).
- PortfolioPilot. Tracks linked accounts and returns a structured risk-scored report alongside the monitoring.
- Ziggma. Shows how a trade you are considering would change the portfolio before you place it.
Best for chat-driven tracking of your own broker
If you want to ask about your real holdings in plain language rather than read a static dashboard, the conversational tools fit.
- Walnut. Its own AI assistant answers questions about the holdings at your connected broker, and the same holdings are available inside Claude or ChatGPT through its connector. You approve any trade.
- Magnifi. Plain-English questions about funds and holdings, tilted toward research and discovery.
How we evaluated these
We limited the field to tools that track a portfolio you already hold, which is why robo-advisors and stock-scorers are not ranked. Within that set we weighed six things:
- Connection model: whether it reads your live accounts or relies on manual entry, and whether the link is read-only by default.
- Breadth: how many account and asset types it tracks, from a single brokerage up to crypto, real estate, and private holdings.
- How performance is measured, whether the tool is honest about the limits (for example, window returns when cost basis is unavailable), and whether it benchmarks against an index.
- Depth of the read on top of tracking: whether it stops at balances or adds a per-holding read, dividends, fees, a tax lens, or a risk score.
- Whether you can act on it, and at which broker.
- Price and honesty of the marketing: we checked every listed price on the vendor's own pricing page on October 16, 2026, and marked down anything implying guaranteed market-beating returns.
The overall order in the table above is for the most common reader: someone with a brokerage account who wants AI to tell them how each holding is doing. Walnut is our own product, and we say so; its row lists its limits in the same format as everyone else's. Features change, so verify on each provider's site before you decide.
Not included, and why
- Betterment and Wealthfront. Robo-advisors that hold and manage your money; they replace a portfolio rather than tracking one.
- Danelfin and Kavout. Stock scorers that rate individual tickers and do not follow your accounts.
- Portfolio Visualizer. A backtesting and analysis tool for hypothetical portfolios, not a tracker of live accounts.
- Enterprise portfolio software (Planisware, ServiceNow) and FP&A tools. “Portfolio management” there means project portfolios or company finance, not personal investments.
- Walnut Money and other unrelated companies named Walnut. The Walnut on this page is walnutinvest.com, the AI investing app.
Which one should you pick?
The quickest way to narrow it down is to match the tracker to what you want to watch.
- You already have a brokerage account and want AI to tell you what is working. Walnut reads your existing account, gives each holding a keep, trim or exit read against the S&P 500, and places the trades you approve. Free.
- Your wealth spans crypto, real estate, and private assets. Kubera aggregates alternatives alongside brokerage accounts into one net-worth tracker; Delta is a lighter mobile option for stocks plus crypto.
- You want a free net-worth and allocation tracker. Empower's free dashboard aggregates accounts and tracks allocation and fees; Monarch Money adds budgeting for $99.99 a year.
- You want accurate total-return and dividend numbers. Sharesight reports true total return with benchmarking and tax reports; Snowball Analytics leans into dividend income tracking and forecasts.
- You want tracking with a tax-aware or second-opinion layer. Mezzi tracks household accounts with a tax lens; PortfolioPilot adds a risk-scored critique; Ziggma checks a trade's impact before you place it.
Where Walnut fits
Walnut is our product, so here it is plainly. Walnut is an AI investing app for the brokerage you already have. It connects your existing accounts read-only, tracks each holding's one-year price return against the S&P 500, labels it outperforming, in line or lagging, and gives a keep, trim or exit read that also weighs momentum and position size. It flags any holding above a quarter of the portfolio, turns a thesis into a basket with target weights, drafts the trades that would bring it back to target, and places the ones you approve at Public, plus eight other brokers including E*Trade, tastytrade and Webull (read-only at Schwab, Fidelity and Vanguard). It can also run a recurring investment into a basket from cash already at your broker. You can ask about any of it in Walnut's own assistant, or in Claude and ChatGPT through its connector, which only reads. Walnut is free, with Walnut Unlimited at $9.99 a month on the web for unlimited assistant use, and it charges no fee on assets. It never holds your money.
Where Walnut is the wrong choice
Walnut leads when the job is a read on the stocks at the broker you already use, and acting on it. When the job is something else, another tracker fits better:
- You want to track crypto, real estate, and private assets in one net-worth view. Kubera is built for that breadth; Walnut focuses on your connected brokerage.
- You want audited-grade total-return and tax reporting. Sharesight is purpose-built for accurate performance, dividends, and tax reports; Walnut tracks one-year price returns against the S&P 500.
- You are a dividend-income investor who wants forecast income. Snowball Analytics centers on dividend tracking and forecasting.
- You want tax-lot and tax-loss tracking across many accounts. Mezzi is built around that tax-aware lens; Walnut does not see cost basis, so it cannot track tax lots.
- You want to see inside your funds. Morningstar Investor's X-Ray looks through ETFs and mutual funds; Walnut reads the fund as one holding.
- You want managed money rather than tracking. If you would rather hand your portfolio to be run for you, a robo-advisor is the right category, not a tracker.
From a connected account you can dig into a specific stock, an ETF you hold, or a theme you want exposure to. Once you can see what you hold, the natural next steps are to critique it and act on it. For deeper analysis of a snapshot, see the best AI portfolio analyzers roundup or the walkthrough on how to analyze your portfolio with AI. A common thing tracking surfaces is over-exposure, so it is worth learning how to check portfolio concentration. When you want to rebalance rather than just watch, compare the best AI portfolio management tools, or read how to connect your brokerage to an AI assistant.
Get a recommendation for your situation
Walnut is the AI that knows your portfolio: ask anything in plain English, research any fund, and get an honest second opinion. On the broker you already use, read-only, and you approve every trade. Walnut is not a registered investment adviser.
FAQ
What is an AI portfolio tracker?
It is a tool that connects the investment accounts you already have, then monitors your holdings and net worth over time: balances, allocation, performance against a benchmark like the S&P 500, dividends, and fees. The AI keeps the picture current and tells you what changed. The newer AI-first trackers, like Walnut, also give a read on each holding and can act on it with your approval.
What is the best AI portfolio tracker in 2026?
For the brokerage you already have, Walnut is the leading AI-first tracker: it is free, gives every holding a keep, trim or exit read against the S&P 500, and places only the trades you approve. PortfolioPilot is the pick for a risk-scored second opinion (free, paid plans from $20 a month billed yearly). Kubera is best for whole net worth including crypto and real estate ($250 a year), and Empower Personal Dashboard is the best free net-worth dashboard.
What is the best app if you already have a brokerage account?
You do not need a new broker; you need a layer on top of the one you have. Walnut is the AI investing app built for that: it reads your existing account, tells you which holdings are lagging the S&P 500 or too large, and places trades you approve at trade-enabled brokers. Empower and Monarch Money track net worth around it, and Sharesight reports exact total returns.
Is Magnifi a portfolio tracker?
Partly. Magnifi is a conversational AI tool you can ask plain-English questions about funds and your holdings, and it offers account connection. Its focus is research and discovery rather than continuous balance, allocation and benchmark tracking, so it works best beside a monitoring tool. Walnut is built around tracking your connected broker against the S&P 500 and acting on that read.
What is the difference between a portfolio tracker, an analyzer, and a manager?
A tracker aggregates and monitors what you already hold (balances, allocation, performance over time). An analyzer goes deeper on a snapshot: concentration, overlap, risk, and benchmark-relative critique. A manager (a robo-advisor) holds your money and invests it for you. Many tools blur the lines: PortfolioPilot tracks and analyzes; Walnut tracks, analyzes, and can place trades you approve. A robo-advisor is a different category from all three.
Is Kubera a good AI portfolio tracker?
Kubera is one of the better-known net-worth trackers when your wealth spans more than stocks. It aggregates traditional accounts alongside crypto wallets, real estate and private holdings, and AI chatbots like Claude and ChatGPT can query it. Essentials costs $250 a year (checked October 2026). It is built for net-worth tracking rather than holding-by-holding analysis, and it does not place trades.
Is Empower Personal Dashboard (formerly Personal Capital) a free portfolio tracker?
Yes. Empower Personal Dashboard is a free account-aggregation tracker with a net-worth view, an Investment Checkup, a fee analyzer and a retirement planner. Its tools are largely rules-based rather than a chat AI. The catch: the free tools also route you toward Empower's separate percentage-of-assets managed advisory service.
What is the best free AI portfolio tracker?
Walnut is the best free AI-first tracker for a brokerage you already have: the keep, trim or exit read and the AI assistant are free, with Walnut Unlimited at $9.99 a month on the web for unlimited assistant use. Empower Personal Dashboard is the best free net-worth dashboard. Sharesight and Snowball Analytics are free up to 10 holdings, and PortfolioPilot, Ziggma and Mezzi have free plans.
Are robo-advisors like Betterment and Wealthfront portfolio trackers?
No. Robo-advisors build and manage a diversified portfolio for you and hold your money. They invest on your behalf rather than tracking a portfolio you already hold at your own broker. If your goal is to monitor what you currently own across your accounts, a robo-advisor is the wrong category, because it replaces your portfolio rather than tracking it.
Can an AI portfolio tracker connect to my existing brokerage?
Yes, that is the point of the category. Walnut, Kubera, Empower, Monarch Money, Mezzi and PortfolioPilot connect to accounts you already have, so your login stays at your broker. Walnut goes one step further and can place trades you approve at trade-enabled brokers. Sharesight, Snowball Analytics and Delta sync from many brokers but may need some manual entry.
Can I track my portfolio with ChatGPT or Claude?
Claude on its own cannot see your holdings, so it gives generic answers. ChatGPT can read accounts US users link through Finances in ChatGPT, read-only, but it does not track holdings against target weights or the S&P 500. Walnut has its own AI assistant for your real positions, and its connector gives Claude or ChatGPT read access to the same holdings, with each holding's return versus the S&P 500. You still approve any trade.
Do portfolio trackers show realized profit and loss?
Some do, some do not. Reporting-grade trackers like Sharesight track total return precisely when cost basis is available. Many broker connections do not pass cost basis, so Walnut tracks results as a one-year price return against the S&P 500 rather than realized profit and loss. Ask how each tracker computes performance and whether it includes cost basis.
How much do AI portfolio trackers cost?
As of October 2026: Walnut is free (Unlimited $9.99 a month on the web), Monarch Money is $99.99 a year, Ziggma runs $6.99 to $13.99 a month billed annually, Sharesight $7 to $23.25 a month billed annually, PortfolioPilot $20 to $99 a month billed yearly, Kubera $250 a year, and Mezzi Advisory $33.25 a month billed annually. A 0.25% advisory fee on $100,000 is $250 a year and grows with the account.
Walnut is informational and is not an investment adviser. App features, pricing, and availability change; verify current details on each provider's site before deciding. Nothing on this page is a recommendation to buy, sell, or hold any security or to use any particular product.