What is the best personal wealth management software in 2026?
Good wealth software shows your net worth, your fees and your real returns without a spreadsheet to update.
A 401(k) at work, an IRA at a broker, a savings account, some crypto, a house: your wealth is spread out and your spreadsheet is three months stale. Wealth management software pulls it together, computes net worth and shows what your investments cost you.
The short answer. Empower is the best free net worth tracker in the US. Finary is the best for accounts in Europe. Monarch Money is the best paid app if you also budget, at $99.99 a year. Kubera handles complex, global wealth for $250 a year. Portfolio Performance is the best free tool for exact returns.
What other lists skip: free tools are paid for somehow. We explain each business model, and we flag the sync problems users report.
The ranking is editorial: a sponsored spot is always labeled on its card, and no affiliate link changes a score.
The 5 tools compared
This ranking is for individuals tracking their own wealth: savings, investments, retirement accounts, crypto, real estate. Software for financial advisors managing hundreds of clients is a different purchase, covered under other options.
| Best for | What sets it apart | Free plan | Team size | Visit | ||||
|---|---|---|---|---|---|---|---|---|
| 1 | Empower | Best free net worth tracker | Free net worth and retirement tools | 4.4/5 | Free | ✓ | US savers and investors | Visit → |
| 2 | Finary | Best for European investors | European banks, brokers and crypto | 4.3/5 | Free, then €54.99/yr | ✓ | Investors in Europe | Visit → |
| 3 | Monarch Money | Best for budgeting plus net worth | Budgeting plus net worth, ad-free | 4.2/5 | $99.99/yr | — | US households, couples | Visit → |
| 4 | Kubera | Best for complex, global wealth | Global, multi-asset, no asset fees | 4.1/5 | $250/yr | — | Complex and global wealth | Visit → |
| 5 | Portfolio Performance | Best free tool for exact returns | Free, exact return math | 4.0/5 | Free | ✓ | ETF and stock investors | Visit → |
Scores on five weighted criteria, detailed in the method. Prices checked in 2026 on official vendor pages.
Is your tool missing from this page? Email us: hello@hackceleration.com
How we compared and scored
We compared each tool using its official pages, then read user feedback starting with forums where customers complain. We did not open accounts: facts come from vendors and their users.
Asset coverage weighs 30%: a tool that misses your 401(k) or your house does not show your real net worth. Sync reliability weighs 20%, because a stale balance breaks every chart. Analysis (fees, returns, projections) weighs 20%. Price weighs 15%. Privacy and user feedback weigh 15%.
- Asset coverageBanks, brokers, retirement, crypto, real estate, private assets.30%
- Sync reliabilitySynced accounts, reported outages, manual entry.20%
- Analysis and projectionsFees, TTWROR or IRR, dividends, retirement projections.20%
- PriceYearly price, free tier, business model.15%
- Privacy and feedbackWhere data lives, reviews, support.15%
No affiliate link changes a score or a rank.
Plans in this category change often. Get the ranking updates
Empower
Empower (formerly Personal Capital) gives away its dashboard: net worth, retirement planner, budgeting and cash flow, portfolio analysis, savings planner and debt paydown. The retirement planner is the standout, with scenarios you can actually tweak.
It is free because Empower sells wealth management. Its Personal Strategy service starts when you invest more than $250,000 with it, and Private Client targets $1M and up. Expect an offer to talk to an advisor once your balances cross those lines.
The catch: US accounts only, and the advisory business model means your data feeds a sales funnel. Budgeting is basic next to Monarch.
Tip: use the retirement planner with your real savings rate, then run one scenario with 1% lower returns. If the plan still works, you are in good shape.
- Free net worth and retirement planner
- Portfolio and fee analysis
- Cash flow tracking
- ✓Completely free tools
- ✓Strong retirement planning
- ✓Wide US institution coverage
- ✗Advisory sales pitch
- ✗US accounts only
- ✗Budgeting is basic
The best free start for a US investor. If you want serious budgeting too, Monarch is worth $99.99 a year.
Finary
Finary is Europe's best-known wealth aggregator: it connects banks, brokers and crypto platforms (more than 20,000, per the vendor) and lets you add real estate by hand. You see net worth, allocation and fees in one place.
The free plan syncs 2 accounts only. Lite at €54.99 a year unlocks unlimited syncs. Plus at €149.99 adds the fee scanner, dividend tracking, diversification score and family mode. Pro at €349.99 adds holding company mode.
The catch: sync reliability. On Finary's own forum, users report accounts stuck for months, including one broker connection broken for more than six months.
Tip: start with Lite and check your balances against statements for three months before paying for Plus.
- Broad European coverage
- Fee scanner and dividends (Plus)
- Family and holding modes
- ✓Covers most European products
- ✓Clear fee analysis
- ✓Free tier to try
- ✗Syncs can break for months
- ✗Free plan limited to 2 accounts
- ✗Billed in euros
The best pick if your money lives in Europe. For US-only accounts, Empower or Monarch fit better.
Monarch Money
Monarch became the go-to app for many former Mint users. It covers budgeting, cash flow, investments and net worth, in a paid app with no ads.
There is no free plan: Core costs $14.99 a month or $99.99 a year, after a 7-day trial. Monarch Plus, at $199 a year, adds forecasting tools, multiple income sources and deeper investment analysis. Monarch commits to 30 days' notice before any price change.
The catch: investment analysis is lighter than Empower's or Kubera's on the Core plan, and it is built for the US and Canada.
Tip: pay yearly. At $99.99 instead of $14.99 a month, you save about $80 a year.
- Budgeting and net worth together
- Forecasting on Plus
- No ads, no product pushing
- ✓Clean, ad-free model
- ✓Strong budgeting
- ✓30-day notice on price changes
- ✗No free plan
- ✗Lighter investment analysis on Core
- ✗US and Canada focus
The best paid app for a household that budgets. For free net worth tracking, Empower is enough.
Kubera
Kubera is a personal balance sheet for varied wealth: global banks and brokers, crypto, real estate, cars, private equity, in multiple currencies. It never charges a percentage of your assets.
Essentials costs $250 a year. Black, at $2,500, adds ownership tags, nested portfolios and guided onboarding. The first 14 days are free. The dead man's switch sends your portfolio to chosen beneficiaries if you go silent too long.
The catch: no budgeting, and $250 a year is a lot if your wealth is a 401(k) and a checking account.
Tip: set up the dead man's switch on day one. It is the feature families mention most.
- Multi-currency, multi-country
- Dead man's switch for heirs
- No fee on assets
- ✓Flat, clear pricing
- ✓Handles unusual assets
- ✓Built for families
- ✗No budgeting
- ✗$250/yr from day one
- ✗Overkill for simple finances
The best fit for complex or international wealth. For a simple US setup, Empower is free.
Portfolio Performance
Portfolio Performance is open source software for Windows, macOS and Linux, plus a mobile app. It computes true time-weighted return (TTWROR) and internal rate of return (IRR), with dividends, fees and taxes included.
It does not connect to your bank: you enter trades or import broker statements. Your data stays in a local file you can export to CSV or JSON.
The catch: manual entry, a dated interface, and little room for real estate or cash budgeting.
Tip: import broker PDF statements instead of typing trades. Many large brokers are recognized.
- Free and open source
- TTWROR and IRR
- Data stays on your machine
- ✓Accurate return math
- ✓No bank logins shared
- ✓No subscription
- ✗Manual entry or imports
- ✗Dated interface
- ✗Weak on real estate
The best free choice for exact investment returns. For an automatic overview, Empower is easier.
What wealth software really costs per year
Here is your yearly cost by profile, at public prices.
You just want net worth
Empower and Portfolio Performance: $0. Finary free: €0, but only 2 synced accounts. Finary Lite: €54.99 a year for unlimited syncs.
You want budgeting too
Monarch Core: $99.99 a year, or $179.88 if you pay $14.99 monthly. Monarch Plus: $199 a year for forecasting and deeper investment analysis.
You have complex or global wealth
Kubera Essentials: $250 a year; Black: $2,500. Finary Pro: €349.99 a year with holding company mode.
- Can every institution you use be synced?
- Does the free tier cap accounts?
- Does it compute TTWROR or IRR?
- How does the vendor make money?
- Can you export your data?
- Can you name a beneficiary?
Other options worth knowing
These come up in searches but serve another need.
Landlord and property management software
Real estateIf your wealth is mostly rental property (rent, leases, expenses), a landlord tool beats a net worth app. See our ranking of landlord property management software.
- For
- Landlords
Software for financial advisors
ProfessionalsAdvisors use platforms built for hundreds of clients, compliance and planning reports. That is a different purchase from tracking your own wealth, and it sells by quote.
- For
- Advisory firms
Mistakes that skew your wealth tracking
These come up again and again on investor forums.
Trusting a sync without checking
ReliabilityA broken sync does not always warn you: the balance just freezes. Once a month, compare two accounts with their official statements.
- Check
- Monthly
Confusing gains with returns
MathIf you add money every month, your gain says nothing about how well you invest. Only TTWROR or IRR account for deposits. Check which method your tool uses.
- Method
- TTWROR or IRR
Forgetting how free tools get paid
Business modelFree tools earn through advisory sales (Empower), commissions or fees elsewhere. That is fine if you know it.
- Check
- The business model
Overvaluing your home
ValuationAutomatic home estimates can drift from real sale prices. Use a conservative value and update it once a year.
- Update
- Yearly
Get more from your tool
Simple habits that help whatever tool you pick.
Start with fees
FeesExpense ratios and advisory fees are the first lever. List your accounts by yearly fee, highest first.
- Lever
- Yearly fees
Set a number goal
PlanningA goal (a down payment, a retirement income) turns a dashboard into a plan.
- Example
- Down payment in 5 years
Export once a year
DataKeep a CSV copy of your history. If you switch tools, your past comes with you.
- Format
- CSV
Plan access for someone you trust
FamilyKubera's dead man's switch does it for you. With other tools, keep an up-to-date list of your accounts somewhere safe.
- Document
- Account list
Want to automate your net worth tracking with n8n or Make? Get our next guides
Go further
These pages pick up where this one ends.
Your questions about wealth management software
What is personal wealth management software?
It pulls together your accounts and assets (bank, brokerage, retirement, crypto, real estate) to compute net worth, allocation and fees. It does not manage your money: it shows where it is and what it costs.
What is the best free net worth tracker?
Empower in the US, with a free dashboard and retirement planner. Portfolio Performance if you want exact returns and no bank connection. Finary's free plan caps you at 2 synced accounts.
Is Empower really free?
The tools are free. Empower earns from its advisory services, which start when you invest more than $250,000 with it, so expect an offer to talk to an advisor.
Monarch or Empower?
Monarch if you budget and want an ad-free paid app, at $99.99 a year. Empower if you mainly want net worth and retirement planning for free.
Is it safe to connect bank accounts?
Aggregators read balances through data providers and cannot move money. If you prefer not to connect anything, Portfolio Performance keeps everything in a local file.
How is this different from a financial advisor?
The software shows your situation; an advisor recommends what to do and charges fees or commissions. Many investors use the software to prepare for advisor meetings.