Choosing a Portfolio Management Software (PMS) requires you answer a question: are you an active or passive investor? If you’re here, it’s because you’re a self-directed investor. Hats off to you, but self-directed does not always mean active.
>> If you’re an asset manager or RIA, check out our OTHER ARTICLE (opens in new tab). <<
PMSs number in the hundreds, but your investing style narrows down the options. There are basically two categories: (1) detailed analytical tools, and (2) account summary tools. Active investors should choose a detailed software, whereas passive investors should pick a summary style option.
Summary Comparative Table
(See Complete Comparison Table)
Just want to see the list? Jump down.
| Platform | Active or Passive Investor | Devices | Base Price | Premium Price | Total Securities, Accounts, & Assets |
|---|---|---|---|---|---|
| Empower | Passive | App | Free | $0.00/yr | 10 |
| Banktivity | Active | Desktop & App | 30 day trial | $69.99/yr | 15 |
| Stock Rover | Active | Desktop & App | Free | $160.00/yr | 16 |
| MoneyWiz | Active or Passive | Desktop & App | Free | $49.99/yr | 13 |
| MoneyDance | Active | Desktop & App | Free | $49.99 | 16 |
| StatusMoney | Passive | Desktop & App | Free | $240.00/yr | 7 |
| Quicken | Passive | Desktop & App | 30 day trial | $35.88/yr | 5 |
| Intuit Mint | Passive | App | Free | $11.88/yr | 16 |
| getquin | Passive | Desktop & App | Free | $38.99/yr | 11 |
| Kubera | Active | Desktop & App | 14 days for $1 | $150.00/yr | 20 |
| CountAbout | Active | App | 45 day trial | $39.99/yr | 7 |
| CoinTracker | Active | Desktop & App | Free | $168.00/yr | 1 |
| Delta | Active | App | Free | $58.99/yr | 9 |
| MorningStar X-Ray | Active | Desktop & App | 7 day free trial | $249.00/yr | 28 |
| Stock Events | Active | App | Free | $29.99/yr | 4 |
| Ziggma | Active | Desktop | 7 day free trial | $89.00/yr | 12 |
| Stock Central | Active | Desktop & App | Free | $79.99/yr | 1 |
| Shrimpy | SHUT DOWN | SHUT DOWN | SHUT DOWN | SHUT DOWN | SHUT DOWN |
What is Portfolio Management Software (PMS)?
Portfolio Management Software (PMS) are programs that combine bank, investment and other financial data in one application so investors can conveniently monitor their financial health and make well-informed decisions.
In other words, PMS show all of your financial information in one place when you connect your accounts or enter them by hand. They typically don’t, however, have trade execution capacities like investment apps and brokerage platforms.
Our Recommendation?
Empower(Passive) + Stock Rover(Active)
Passive account monitoring with linked bank and brokerage ✓
Active market performance monitoring with linked brokerage ✓
How much does a PMS cost?
Virtually every PMS for retail investors has a free version or trial, but you’ll see very quickly that the basic functionalities aren’t enough.
For premium packages you can expect to pay $95/yr on average, or as low as $10/yr and as high as $250/yr — or accept invasive ads.
Why and How to Track Your Investments in One Place
Once you have 2 – 3 brokerage accounts, a few bank accounts, credit cards, and a couple loans, tracking it all becomes time consuming. And it’s not like you have a choice because you need to stay on top of your money.
A good portfolio management app is well worth the extra $95 per year. But you need to get one that works for you.
If you’re a passive investor with 3 accounts, it’s not paying a premium for features you won’t use.
On the other hand, sophisticated investors will get frustrated with a solution that doesn’t deep dive into transactions, ROI, NPV, and IRR.
So how do you choose?
4 Steps to Choose a Portfolio Management Software
#1 Decide What Kind of Investor You Are
The first step is to decide how much time and effort you’re willing to invest in tracking your investments.
What are the types of portfolio management?
There are 2 basic types of portfolio management:
- Day Trading
- Long Investing
There’s no bright line here, but a good rule of thumb is 7 hours/week. If you’re willing to invest 1 hour/day 7/7 (or better yet, you really like to), then you might be ready for day trading. Otherwise, you’re probably more of a long gamer. Personally, I’m long.
#2 Decide What Your Risk Tolerance Is
Step 2 is to decide how much of a gambler you are.
What are the risk portfolio management techniques?
There are 5 traditional techniques, each corresponding to risk tolerance.
- Conservative
- Moderately-Conservative
- Moderate
- Moderately-Aggressive
- Aggressive
This is a highly personal choice. The more aggressive you are, the higher your chances for both gains and losses. In most cases, day trading correlates to more aggressive techniques. Alternative strategies like quality investing are moderately conservative, and deep value investing is very conservative.
#3 Decide How You Want to Organize Your Portfolio
Step three is to decide in what kind of account to put your money. The two most common are retirement accounts like IRAs and taxable options like broker accounts.
How to Organize Your Portfolio
If you’re unsure which way to go, ask yourself these questions.
- What’s your timeline? If you want a return in less than 1 year, then a brokerage account is clearly better.
- What’s your return target? If you’re aiming for more than average returns (~10% per year for the S&P 500 Index), then a retirement account may be better, unless you want the money before you kick back on your yacht.
- How old are you? It’s none of my business, but there’s an inverse relationship between age and need for structured retirement savings. You have less time to reap the benefits from these accounts. Plus, there’s no rule against a taxable brokerage account for retirees.
- What is your allocation strategy? If you’re using the 10, 5, 3 rule, for example, then you’ll want an option that can handle stocks, bonds, and cash savings accounts.
#4 Choose the Right Portfolio Management Software
Active Investor
If you’re a day trader, aggressive, and want a brokerage account, then you’re an active investor. Make sure you choose a PMS that provides the level of detail you need.
Passive Investor
If you’re a long gamer and moderately-conservative or less, it doesn’t really matter which account you use because you’re a passive investor. Make sure you choose a PMS that won’t overwhelm you with details, and won’t make you pay for features you don’t need.
Relax…
Once you’ve finished steps 1 – 4, cut yourself some slack. Nobody is 100% certain how much time they commit, what their risk tolerance is, and what accounts they want to use. You probably already have a basic setup, and it will likely change over time. There’s no shame in that, it’s normal.
It’s useful to have an initial idea so you can weed out some of the software options that make zero sense for you. But beyond that, it’s best to go in with an agile mentality.
Now for the fun part.
What’s the best portfolio management software for individuals?
Here are our top 18 picks:
Empower (Personal Capital) – Personal Dashboard
Best for Wealth Manager Upgrading
Empower is the only free software on our list. I didn’t want to rate Empower number one on the list because I don’t think they have a modern enough user interface to merit the top spot, but from a purely analytical perspective they’re by far the best. You can connect with virtually any financial institution, and if not, manual entries are pretty straightforward.
You can add virtually any personal asset from art and jewelry to cars and house to the portfolio and get a quick snapshot of your net worth. The app even asks you a few demographic details when you start to optimize some of the (non-invasive) upgrade options.
Our rating: 9.43/10
★ Passive Investor Choice ★
Overview
Empower is primarily an app. There is an web based application but it’s not optimized for use. Keep in mind that Empower is a passive investor app, so it’s not designed to provide transaction-level tracking or investor-grade returns analysis.
| Devices: | App |
| Base Price: | Free |
| Premium Price: | $0.00/yr |
| Tracking Level View: | Accounts |
Securities, Accounts, & Users
From an asset class perspective, Empower is thorough. You can add cars, your house, jewelry, and even art to the portfolio manually. It’s user rank, which is just a percentile rank, was 4 on our list, making this one of the more popular choices.
| # of Securities: | 5 |
| # of Accounts: | 5 |
| # of Personal Assets: | 7 |
| Total Securities, Accounts, & Assets: | 17 |
| User Rank (1-18), Lower Better: | 4 |
Key Features
Everything you need in one place. It has a simple net-worth output, integrations for all kinds of accounts, and a reporting page. The reports could be better though. For the moment it’s essentially an area chart of your total value over time. Like I said, not for sophisticated investors.
| Net-Worth Calculator: | Yes |
| Investment Consolidation: | Yes |
| Bank Consolidation: | Yes |
| Budgeting: | Yes |
| Reporting: | Yes |
If the app itself weren’t enough, Empower is a well-established wealth management firm, so if you decide to move away from self-directed investing, become rich, or just want professional help, you can sign up down the road.
That said, there are two reasons you might keep looking:
- You want a better userinterface, or
- You want more details and control over the portfolio for active investing.
What I Like Most
For a free application, it has surprisingly thorough asset coverage.
What I Like Least
The report/chart screen is very simple and could be improved with a little developer effort.
Banktivity – Silver
Best for Transaction-Level Tracking
Banktivity has caught a bad rep in the app store because many users confuse its purpose. It’s not meant for high-level portfolio tracking like Empower. It’s meant primarily to be used as a desktop app for audit-style portfolio tracking, as you can see from the picture below.
Our rating: 9.33/10
★Active Investor Choice★
Overview
Like many “professional” style portfolio managers, Banktivity doesn’t have a free version. The reason is simple. You don’t use these apps for summaries. They’re meant for deep investigation. You can, however, get a 30 day trial, after which point you’d have to go with the Silver subscription to get any real use, which runs $69.99/yr. That’s more affordable than half of the alternatives.
| Devices: | Desktop & Mobile App |
| Base Price: | 30 day trial |
| Premium Price: | $69.99/yr |
| Investment Tracking View: | Securities |
Securities, Accounts, & Users
There aren’t nearly as many users on Banktivity as others in the peer group, mainly because there are simply more passive than active investors. Still, it has thorough coverage of accounts including IRAs, brokerage, loans, and all 8 core security classes.
| # of Securities: | 8 |
| # of Accounts: | 7 |
| # of Personal Assets: | 0 |
| Total Securities, Accounts, & Assets: | 15 |
| User Rank (1-18), Lower Better: | 14 |
Key Features
Strangely enough, Banktivity doesn’t provide a net-wroth calculator, but it has all the reporting, budgeting, and investment conso you’ll need.
| Net-Worth Calculator: | No |
| Investment Consolidation: | Yes |
| Bank Consolidation: | Yes |
| Budgeting: | Yes |
| Reporting: | Yes |
Stock Rover
Best for Advanced Investors
One look at Stock Rover and you might think it’s a scam because it looks and feels like a tool from the late 90s, but you’d be wrong. Two engineers created it in 2008 when they became growingly frustrated with minimalistic portfolio managers in the market. Stock Rover is the ultimate PMS for advanced, active investors because it allows you to go into extreme detail. You can track and perform custom calculations on your whole portfolio.
Our rating: 9.28/10
★Active Investor Choice★
Overview
You can get started with a full portfolio for free, and it only costs ˜$13 per month thereafter. It makes sense for investors with a lot of brokers, accounts, and assets.
| Devices: | Desktop & Mobile App |
| Base Price: | Free |
| Premium Price: | $160.00/yr |
| Investment Tracking View: | Securities |
Securities, Accounts, & Users
Stock Rover can handle almost anything you’ve got, right down to boats, insurance annuities, and artwork. It’s also the most used option on our list.
| # of Securities: | 16 |
| # of Accounts: | 7 |
| # of Personal Assets: | 6 |
| Total Securities, Accounts, & Assets: | 29 |
| User Rank (1-18), Lower Better: | 1 |
Key Features
Where does Stock Rover fall short? It’s explicitly NOT a net worth tracker, and it doesn’t include bank account linking.
| Net-Worth Calculator: | No |
| Investment Consolidation: | Yes |
| Bank Consolidation: | No |
| Budgeting: | No |
| Reporting: | Yes |
MoneyWiz
Best for Slicing & Dicing Transactions
MoneyWiz is a best-of-both-worlds option. It has a nice desktop app on top of the mobile one and a high degree of connectivity with brokers and bank accounts.
What I like most is the ability to create “accounts” with varying definitions, so you can combine two brokers and call them a single account if you want to group stock-only trading, for example. Or you can group a bank account with a broker and track the value if you prefer to segregate that way.
You can pick and choose from a number of pre-selected reports like profit and loss or net-worth, OR you can export data quickly to a spreadsheet for advanced analysis.
Our rating: 9.23/10
★Active OR Passive Investor Choice★
Overview
MoneyWiz can be used on desktop and on mobile and auto-updates across devices. For only $4.16 per month you can get active bank and broker linking.
| Devices: | Desktop & Mobile App |
| Base Price: | Free |
| Premium Price: | $49.99/yr |
| Investment Tracking View: | Accounts |
Securities, Accounts, & Users
One downside to MoneyWiz is a lack of non-financial assets like cars and home. You can always include them as a “cash” account, but the slicing and dicing features will have a harder time managing them. You can also assign them a “personal asset” category and tag to make this easier, but it would be nice if it were built in.
| # of Securities: | 8 |
| # of Accounts: | 5 |
| # of Personal Assets: | 0 |
| Total Securities, Accounts, & Assets: | 13 |
| User Rank (1-18), Lower Better: | 11 |
Key Features
From net-worth to reporting, MoneyWiz has all the key features you’d expect.
It’s reports are not the prettiest though, and they’re not customizable. This is an improvement for the platform.
| Net-Worth Calculator: | Yes |
| Investment Consolidation: | Yes |
| Bank Consolidation: | Yes |
| Budgeting: | Yes |
| Reporting: | Yes |
Overall you get a lot of features with the free version, and if you’re a passive investor with minimal transactions you could just manually enter them. Active investors will end up needing the ~$5/month subscription for automated linking.
MoneyDance
Best for One-Time Purchase
MoneyDace is only available for Mac, so if you’re a windows user you can skip to the next option. It’s another nice option for active investors, but it’s clearly intended for those who can dedicate time to setup and customization. You can’t build anything from the mobile app, so you first need to download the desktop version, decide on a plan, then connect from your phone.
Our rating: 9.19/10
★Active Investor Choice★
Overview
There is a free version, but it’s only available for manual transactions so be prepared to pay.
| Devices: | Desktop & Mobile App |
| Base Price: | Free (manual transactions only) |
| Premium Price: | $49.99 |
| Investment Tracking View: | Securities |
Securities, Accounts, & Users
Unfortunately you cannot connect non-financial assets in MoneyDance, which goes to its purpose. This app is built for active investors.
| # of Securities: | 9 |
| # of Accounts: | 7 |
| # of Personal Assets: | 0 |
| Total Securities, Accounts, & Assets: | 16 |
| User Rank (1-18), Lower Better: | 13 |
Key Features
There’s no net-worth calculator or budget function, but MoneyDance does something that many others don’t: you can execute payments from your bank directly from the software, which is pretty cool.
| Net-Worth Calculator: | No |
| Investment Consolidation: | Yes |
| Bank Consolidation: | Yes |
| Budgeting: | No |
| Reporting: | Yes |
StatusMoney
Best for Peer Comparison
Just by logging in to Status, it’s clear it could become a major app in a few years. Take a look at the pictures below to see what I mean. You enter a few demographic details that Status uses to “match” you with peers by age, income, and location. It’s basically a way to meet people based on common ground… the most important common ground, money. But it’s not just for community, Status is a high-quality modern app with all the user experience you would expect.
Our rating: 9.19/10
★Passive Investor Choice★
Overview
With such a strong value proposition, Status doesn’t need to provide many free features, so you’ll quickly need to upgrade to the premium tier for $20 per month. We think it’s more than worth it because having a peer group support your financial journey is not something you find in every app.
Plus, Status provides a 2% cash back credit card, which you can track natively and build your credit. Pretty cool feature for a PMS.
| Devices: | Desktop & Mobile App |
| Base Price: | Free |
| Premium Price: | $240.00/yr |
| Investment Tracking View: | Accounts |
Securities, Accounts, & Users
Status has a strong base of financial institutions you can connect to, so you won’t have to do much manual work, but you’ll need the premium account to do any analytics on your activity. Status is the third most used software on our list.
| # of Securities: | 9 |
| # of Accounts: | 7 |
| # of Personal Assets: | 5 |
| Total Securities, Accounts, & Assets: | 21 |
| User Rank (1-18), Lower Better: | 3 |
Key Features
Status has everything from a net-worth calculator to graphical reporting.
| Net-Worth Calculator: | Yes |
| Investment Consolidation: | Yes |
| Bank Consolidation: | Yes |
| Budgeting: | Yes |
| Reporting: | Yes |
I have to mention that Status is not a deep dive analytic tool for active investors, and we recommend Stock Rover for those needs.
Quicken – Simplifi
Best for Beginners
For anyone just getting started managing their finances, it’s unlikely you’re looking for a portfolio management software. But if you are, Quicken’s Simplifi app is probably the best choice for you. At $3.99 per month, it’s an affordable way to get support while you learn from a big trusted brand.
Our rating: 9.18/10
★Passive Investor Choice★
Overview
Quicken has a strong user interface. You can try it for 30 days to get an idea. Afterwards it’s pretty affordable at only ~$36/yr.
| Devices: | Desktop & Mobile App |
| Base Price: | 30 day trial |
| Premium Price: | $35.88/yr |
| Investment Tracking View: | Accounts |
Securities, Accounts, & Users
Quicken has all the accounts, securities, and personal assets you will need.
| # of Securities: | 9 |
| # of Accounts: | 7 |
| # of Personal Assets: | 5 |
| Total Securities, Accounts, & Assets: | 21 |
| User Rank (1-18), Lower Better: | 10 |
Key Features
Quicken has all the integration you’ll need, and a net-worth calculator. It should be said, however, that this is not a deep dive analytic tool. It’s best for beginners.
| Net-Worth Calculator: | Yes |
| Investment Consolidation: | Yes |
| Bank Consolidation: | Yes |
| Budgeting: | Yes |
| Reporting: | Yes |
Intuit – Mint
Best for Ease of Use
I hesitated to include Mint on this list. It’s a self-declared budgeting software and isn’t specifically designed for portfolio management. In reality it has many of the required features to be in the running, but don’t expect to use it for serious analytics. It’s an account summary app for passive investors.
It’s built by Intuit, the company behind TurboTax and other popular brands, and the developers there have made it extremely easy to use.
Our rating: 9.14/10
★Passive Investor Choice★
Overview
Mint’s biggest advantage is price. At just under $12 per year, it’s the cheapest option on our list.
| Devices: | App |
| Base Price: | Free |
| Premium Price: | $11.88/yr |
| Investment Tracking View: | Accounts |
Securities, Accounts, & Users
Mint is the second most popular app on our list by users, and it has all the basic assets, securities, and linked accounts you will need.
| # of Securities: | 9 |
| # of Accounts: | 7 |
| # of Personal Assets: | 5 |
| Total Securities, Accounts, & Assets: | 21 |
| User Rank (1-18), Lower Better: | 2 |
Key Features
Everything you need from a good summary app, Mint’s got it.
| Net-Worth Calculator: | Yes |
| Investment Consolidation: | Yes |
| Bank Consolidation: | Yes |
| Budgeting: | Yes |
| Reporting: | Yes |
getquin – Portfolio Tracker
Best for Stock Dividend Tracking
getquin is a German-made portfolio tracker that falls cleanly into the traditional definitino of the term. It has a simple interface and easy account connectivity.
But what makes it really interesting is the free-form forum. You can exchange with people from across Europe and the United States, potentially uncovering some good opportunities along the way.
Our rating: 9.06/10
★Passive Investor Choice★
Overview
getquin’s free version is simple but useful. You can upgrade for an individual home screen, no ads, and a premium badge.
| Devices: | Desktop & Mobile App |
| Base Price: | Free |
| Premium Price: | $38.99/yr |
| Investment Tracking View: | Securities |
Securities, Accounts, & Users
getquin focuses on two core axes: stock portfolio tracking and dividend tracking. It’s purpose to to help you predict fixed income from your positions, which is really useful. That said, it’s weaker with other securities.
| # of Securities: | 9 |
| # of Accounts: | 2 |
| # of Personal Assets: | 0 |
| Total Securities, Accounts, & Assets: | 11 |
| User Rank (1-18), Lower Better: | 17 |
Key Features
getquin is not a budgeting tool, so it doesn’t have a net-worth calculator, bank linking, or budgeting.
| Net-Worth Calculator: | No |
| Investment Consolidation: | Yes |
| Bank Consolidation: | No |
| Budgeting: | No |
| Reporting: | Yes |
Kubera
Best for High-Net-Worth Individuals
Kubera is the black sheep of portfolio trackers. It’s geared toward individuals with a large variety of personal assets, from multiple homes to vintage cars, designer hand bags, domain names, and multi-currencies.
I tried to test the domain name valuator, but it wasn’t very useful. It’s also strange because you need to sign up from a computer, then download the app via Safari on your phone, and sign-in from there. I’m not sure why the process is so complicated but it does raise some red flags.
Our rating: 9.05/10
★Active Investor Choice★
Overview
You can test Kubera during two weeks for only $1, and afterward pay $12.50 per month.
| Devices: | Desktop & Mobile App |
| Base Price: | 14 days for $1 |
| Premium Price: | $150.00/yr |
| Investment Tracking View: | Securities |
Securities, Accounts, & Users
Kubera has a full suite of securities and assets, but it has one that almost nobody else can claim: domain names and trademarks. That’s why they pitch themselves as a portfolio management software for the rich. Most rich people invest in domains now.
| # of Securities: | 9 |
| # of Accounts: | 7 |
| # of Personal Assets: | 5 |
| Total Securities, Accounts, & Assets: | 21 |
| User Rank (1-18), Lower Better: | 18 |
Key Features
Kubera openly declares itself a non-budgeting tool, so don’t expect to use it as a spending planner. That said, it does just about everything else.
| Net-Worth Calculator: | Yes |
| Investment Consolidation: | Yes |
| Bank Consolidation: | Yes |
| Budgeting: | No |
| Reporting: | Yes |
CountAbout
Best for Solo Entrepreneurs
Solo entrepreneurship usually means sole proprietorship or LLC, and that means you and your company are basically the same thing from a tax perspective. Your business is essentially an investment like any other, but if you’re not careful with record keeping it could spell headache if someone sues or there’s a tax audit.
CountAbout functions as a safeguard against this situation. Using it gives you accounting ledger records to keep all your activities distinct.
Our rating: 9.04/10
★Active Investor Choice★
Overview
There are some pain points with CountAbout.
- You have to create the account on desktop, then login from the app. Not very user friendly.
- The mobile app is slightly buggy. An example is the “Account Type” drop down is blank and you can’t manually enter anything.
| Devices: | App |
| Base Price: | 45 day trial |
| Premium Price: | $39.99/yr |
| Investment Tracking View: | Accounts |
Securities, Accounts, & Users
The strange thing is you can add pretty much any kind of security or account you want to CountAbout, but there aren’t pre-defined categories. YOU create the labels to track each account. Very manual.
| # of Securities: | 0 |
| # of Accounts: | 7 |
| # of Personal Assets: | 0 |
| Total Securities, Accounts, & Assets: | 7 |
| User Rank (1-18), Lower Better: | 16 |
Key Features
The short of it is that there’s a learning curve, but once you get ahold of the functions CountAbout is highly customizable.
| Net-Worth Calculator: | Yes |
| Investment Consolidation: | Yes |
| Bank Consolidation: | Yes |
| Budgeting: | Yes |
| Reporting: | Yes |
CoinTracker
Best for Overall Crypto
CoinTracker is a portfolio management software, but only for crypto assets. It’s best for investors who have minimal non-crypto investments, but probably isn’t the best choice for diversified positions — active or passive.
Our rating: 8.89/10
★Active Investor Choice★
Overview
CoinTracker integrates with 10s of digital crypto wallets, so you can monitor all your DeFi performance.
| Devices: | Desktop & Mobile App |
| Base Price: | Free |
| Premium Price: | $168.00/yr |
| Investment Tracking View: | Crypto |
Securities, Accounts, & Users
Only one security type is available on CryptoTracker.
| # of Securities: | 1 |
| # of Accounts: | 0 |
| # of Personal Assets: | 0 |
| Total Securities, Accounts, & Assets: | 1 |
| User Rank (1-18), Lower Better: | 6 |
Key Features
It goes without saying, but because this is a single-security portfolio, it doesn’t integrate with your bank or provide budgeting features. And because it can’t do that, there’s no net-worth calculator.
| Net-Worth Calculator: | No |
| Investment Consolidation: | No |
| Bank Consolidation: | No |
| Budgeting: | No |
| Reporting: | Yes |
Delta investment Tracker
Best for Fast Updates
Delta finance is the most modern option on our list. Like any good tech company, it fixes issues fast and effectively so you won’t get stuck. It also doesn’t require an account or sign in, which is extremely user friendly.
Our rating: 8.88/10
★Active Investor Choice★
Overview
Delta provides virtually all basic features for free, but if you want live price updates, advanced automated analytics, and multi-device synching, then you can go with the $4.92 per month option.
| Devices: | App |
| Base Price: | Free |
| Premium Price: | $58.99/yr |
| Investment Tracking View: | Securities |
Securities, Accounts, & Users
Strangely, Delta doesn’t support personal assets like jewelry and art. It’s one of the reasons we rate it lower.
| # of Securities: | 9 |
| # of Accounts: | 7 |
| # of Personal Assets: | 0 |
| Total Securities, Accounts, & Assets: | 16 |
| User Rank (1-18), Lower Better: | 7 |
Key Features
In addition, there’s no net-worth calculator or budgeting tool.
| Net-Worth Calculator: | No |
| Investment Consolidation: | Yes |
| Bank Consolidation: | Yes |
| Budgeting: | No |
| Reporting: | Yes |
MorningStar – Investor → X-Ray
Best for Deep Market Analytics
No portfolio article is complete without mention of MorningStar. This incumbent leader in investing analytics is weak on mobile however, with similar limitations as Kubera and CountAbout. You have to manage everything from a browser, then access it on mobile. It’s a little frustrating.
Our rating: 8.87/10
★Active Investor Choice★
Overview
For limited mobile flexibility, we think $249 per year is a little steep. That said, if you’re a MorningStar advocate from experience as a professional asset manager or RIA, it could be a good choice for you.
| Devices: | Desktop & Mobile App |
| Base Price: | 7 day free trial |
| Premium Price: | $249.00/yr |
| Investment Tracking View: | Securities |
Securities, Accounts, & Users
MorningStar has the largest variety of securities by far at 26. Everything from insurance annuity derivatives to asian money market bonds are available for analysis at the transactional level.
| # of Securities: | 26 |
| # of Accounts: | 2 |
| # of Personal Assets: | 0 |
| Total Securities, Accounts, & Assets: | 28 |
| User Rank (1-18), Lower Better: | 8 |
Key Features
MorningStar is first and foremost an analytical tool, so you shouldn’t expect it to perform like a budgeting tool. It’s for active investors only.
| Net-Worth Calculator: | No |
| Investment Consolidation: | Yes |
| Bank Consolidation: | No |
| Budgeting: | No |
| Reporting: | Yes |
Stock Events Portfolio Tracker – Thing
Best for Key Event Tracking
You’ve probably never heard of Stock Events because it’s not built out with a full suite of features like other on the list. It has a very simple but smooth design whose free tier provides pretty much everything a conservative, active trader would need, which is why we put it on the list.
Our rating: 8.84/10
★Active Investor Choice★
Overview
To be perfectly clear, it’s not possible to link accounts. This means every entry is manual.
| Devices: | App |
| Base Price: | Free |
| Premium Price: | $29.99/yr |
| Investment Tracking View: | Securities |
Securities, Accounts, & Users
Stock Events is limited to stocks and stock funds or derivatives, making it one of the more restrictive options.
| # of Securities: | 4 |
| # of Accounts: | 0 |
| # of Personal Assets: | 0 |
| Total Securities, Accounts, & Assets: | 4 |
| User Rank (1-18), Lower Better: | 12 |
Key Features
It’s pretty good with the reporting side, providing easy-to-read and insightful graphs, provided you can stomach manual data entry.
| Net-Worth Calculator: | No |
| Investment Consolidation: | Yes |
| Bank Consolidation: | No |
| Budgeting: | No |
| Reporting: | Yes |
Ziggma
Best for Desktop Only Tracker
Ziggma is a a desktop-only app with a decent interface, but we have to rank it low on the list because if you’re going to providing an app to users, you should be inexpensive or have a wide variety of functions available in a free version. Ziggma costs $89 per year and reserves portfolio simulators and models for premium users.
Our rating: 8.80/10
★Active Investor Choice★
Overview
Ziggma is available on desktop only and provides only a 7 day free trial.
| Devices: | Desktop |
| Base Price: | 7 day free trial |
| Premium Price: | $89.00/yr |
| Investment Tracking View: | Securities |
Securities, Accounts, & Users
Though limited in personal assets, it does provide a unique alternative asset: wine. Not many portfolio managers can claim this.
| # of Securities: | 9 |
| # of Accounts: | 3 |
| # of Personal Assets: | 3 |
| Total Securities, Accounts, & Assets: | 12 |
| User Rank (1-18), Lower Better: | 5 |
Key Features
Ziggma does two things well: investment consolidation and reporting. It is not, however, the right solution for passive investors who want budgeting incorporated within their portfolio software.
| Net-Worth Calculator: | No |
| Investment Consolidation: | Yes |
| Bank Consolidation: | No |
| Budgeting: | No |
| Reporting: | Yes |
Stock Central – My Stocks Portfolio
Best for Stock Investors
I stumbled upon Stock Central’s My Stocks Portfolio a few years back before I’d given portfolio management software a serious thought. The free version has decent features and is supported by ads, so you don’t ever really have to upgrade if you can stand seeing Nissan ads.
Our rating: 8.72/10
★Active Investor Choice★
Overview
To get rid of ads, you’ll have to pay just under $6 per month.
| Devices: | Desktop & Mobile App |
| Base Price: | Free |
| Premium Price: | $49.99/yr |
| Investment Tracking View: | Stocks |
Securities, Accounts, & Users
My Stock Portfolio is true to its name and only supports stock securities. It does, however, support cash as well.
| # of Securities: | 1 |
| # of Accounts: | 0 |
| # of Personal Assets: | 0 |
| Total Securities, Accounts, & Assets: | 1 |
| User Rank (1-18), Lower Better: | 9 |
Key Features
Just like CoinTracker, because My Stock Portfolio supports only one security, it can’t provide net-worth, bank consolidation, or budgeting.
| Net-Worth Calculator: | No |
| Investment Consolidation: | Stocks Only |
| Bank Consolidation: | No |
| Budgeting: | No |
| Reporting: | Yes |
Shrimpy
SHUT DOWN
Shrimpy was shit down, but we leave the review below so you can see what benefits other platforms may provide.
Last on our list is Shrimpy, the only real alternative to CoinTracker. Personally, it seems like the only reason to go with Shrimpy is if you want to do deep crypto analysis directly in a web browser, because they don’t have a mobile app. That said, Shrimpy has a very strong user interface as well.
Our rating: 8.62/10
★Active Investor Choice★
Overview
At $180 per year, Shrimpy is about $12 more expensive than CoinTracker.
| Devices: | Desktop |
| Base Price: | Free |
| Premium Price: | $180.00/yr |
| Investment Tracking View: | Crypto |
Securities, Accounts, & Users
Only one security comes with Shrimpy, crypto.
| # of Securities: | 1 |
| # of Accounts: | 0 |
| # of Personal Assets: | 0 |
| Total Securities, Accounts, & Assets: | 1 |
| User Rank (1-18), Lower Better: | 15 |
Key Features
All things said, Shrimpy probably isn’t the best choice for crypto portfolio management today, but given their angle going forward I think they’ll be a real contender in the near future.
| Net-Worth Calculator: | No |
| Investment Consolidation: | No |
| Bank Consolidation: | No |
| Budgeting: | No |
| Reporting: | Yes |
Software to Avoid
Here are some software to avoid for personal portfolio management. I noticed several sites promoting them, but they’re either not actual PMS or not appropriate for individuals.
| Software | Reason to Avoid |
|---|---|
| MProfit | Indian investors |
| Tiller Money | Not for investments |
| PocketSmith | Not for investments |
| PocketGuard | Not for investments |
| Wally | Not for investments |
| digit (Oportun) | Investing app, not portfolio manager |
| Every Dollar (Ramsey) | Not for investments |
| Albert | Investing app, not portfolio manager |
| Stocktwits | Social Media, not portfolio manager |
| atom Finance | For advisors, not retail investors |
| Moneycontrol | News, not portfolio manager |
Our Scoring Methodology
We use a scoring methodology that assigns points to qualitative factors on a piecewise or binary basis and to quantitative factors based on standard deviation from the mean or percentile rank. Each factor is weighted by its importance to user needs from a portfolio management software. The sum of points is our rating.
But we’re not computers. Sometimes a product isn’t the sum of its parts. That’s why we test each software directly afterwards. This ensures you get a comprehensive data-driven assessment counterbalanced by a human gut check.
Complete Comparative Table
| Platform | Rating (of 10) | Best for… | Active or Passive | Types | Base Price | Premium Price | Investment Tracking Level | # of Securities | # of Accounts | # of Personal Assets | Total Securities, Accounts, & Assets | User Rank (1-18), Lower Better | Net-Worth Calculator | Investment Consolidation | Bank Consolidation | Budgeting | Reporting |
| Empower (Personal Capital) – Personal Dashboard | 9.43 | Wealth Manager Upgrading | Passive Investor Choice | App | Free | $0.00/yr | Accounts | 5 | 5 | 0 | 10 | 4 | Yes | Yes | Yes | Yes | Yes |
| Banktivity – Silver | 9.33 | Transaction-level Tracking | Active Investor Choice | Desktop & Mobile App | 30 day trial | $69.99/yr | Securities | 8 | 7 | 0 | 15 | 14 | No | Yes | Yes | Yes | Yes |
| Stock Rover | 9.28 | Advanced Investors | Active Investor Choice | Desktop & Mobile App | Free | $160.00/yr | Securities | 9 | 7 | 0 | 16 | 1 | No | Yes | No | No | Yes |
| MoneyWiz | 9.23 | Slicing & Dicing Transactions | Active or Passive Investor Choice | Desktop & Mobile App | Free | $49.99/yr | Accounts | 8 | 5 | 0 | 13 | 11 | Yes | Yes | Yes | Yes | Yes |
| MoneyDance | 9.19 | One-Time Purchase | Active Investor Choice | Desktop & Mobile App | Free (manual transactions only) | $49.99 | Securities | 9 | 7 | 0 | 16 | 13 | No | Yes | Yes | No | Yes |
| StatusMoney | 9.19 | Peer Comparison | Passive Investor Choice | Desktop & Mobile App | Free | $240.00/yr | Accounts | 0 | 7 | 0 | 7 | 3 | Yes | Yes | Yes | Yes | Yes |
| Quicken – Simplifi | 9.18 | Beginners | Passive Investor Choice | Desktop & Mobile App | 30 day trial | $35.88/yr | Accounts | 0 | 5 | 0 | 5 | 10 | No | Yes | Yes | Yes | Yes |
| Intuit – Mint | 9.14 | Ease of Use | Passive Investor Choice | App | Free | $11.88/yr | Accounts | 9 | 7 | 0 | 16 | 2 | No | Yes | Yes | Yes | Yes |
| getquin – Portfolio Tracker | 9.06 | Stock Dividend Tracking | Passive Investor Choice | Desktop & Mobile App | Free | $38.99/yr | Securities | 9 | 2 | 0 | 11 | 17 | No | Yes | No | No | Yes |
| Kubera | 9.05 | High Net Worth Individuals | Active Investor Choice | Desktop & Mobile App | 14 days for $1 | $150.00/yr | Securities | 9 | 7 | 4 | 20 | 18 | Yes | Yes | Yes | No | Yes |
| CountAbout | 9.04 | Solo Entrepreneurs | Active Investor Choice | App | 45 day trial | $39.99/yr | Accounts | 0 | 7 | 0 | 7 | 16 | No | Yes | Yes | Yes | Yes |
| CoinTracker | 8.89 | Overall Crypto | Active Investor Choice | Desktop & Mobile App | Free | $168.00/yr | Crypto | 1 | 0 | 0 | 1 | 6 | No | No | No | No | Yes |
| Delta investment Tracker | 8.88 | Fast Updates | Active Investor Choice | App | Free | $58.99/yr | Securities | 9 | 0 | 0 | 9 | 7 | No | Yes | No | No | Yes |
| MorningStar – Investor → X-Ray | 8.87 | Deep Market Analytics | Active Investor Choice | Desktop & Mobile App | 7 day free trial | $249.00/yr | Securities | 26 | 2 | 0 | 28 | 8 | No | Yes | No | No | Yes |
| Stock Events Portfolio Tracker – Thing | 8.84 | Key Event Tracking | Active Investor Choice | App | Free | $29.99/yr | Securities | 4 | 0 | 0 | 4 | 12 | No | Yes | No | No | Yes |
| Ziggma | 8.80 | Desktop Only Tracker | Active Investor Choice | Desktop | 7 day free trial | $89.00/yr | Securities | 9 | 3 | 0 | 12 | 5 | No | Yes | No | No | Yes |
| Stock Central – My Stocks Portfolio | 8.72 | Stock Investors | Active Investor Choice | Desktop & Mobile App | Free | $79.99/yr | Stocks | 1 | 0 | 0 | 1 | 9 | No | Stocks Only | No | No | Yes |
| Shrimpy | 8.62 | Crypto Analysis | Active Investor Choice | Desktop | Free | $180.00/yr | Crypto | 1 | 0 | 0 | 1 | 15 | No | No | No | No | No |
Conclusion
By now it should be clear that portfolio management apps are awesome. They turn 20 minutes of checking multiple apps into a 20 second affaire. Depending on your needs, they can also help you dive deep and make better decisions. Knowing your net worth at a glance is also pretty cool.
What are you waiting for? Give yourself some peace of mind and grab one of these apps today.
At AnalystAnswers we review tech and financial products. We also teach data and financial analytics, because data-driven decisions are the difference between success and failure in a world growing more digital and more global each year.
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