Best portfolio trackers in 2026
A tracker’s whole job is to make the numbers you look at trustworthy without you babysitting a spreadsheet — and then to answer the question underneath: was picking your own stocks actually worth it? Here’s what matters, and how the options compare.
The short answer
- Tradune
- if you want to know whether your picking beat the index — a money-weighted return (XIRR) against the same cash flows invested in SPY — plus VaR/beta/drawdown risk on the same holdings.
- Sharesight
- if you need multi-currency valuation and tax reports across more than one country.
- Snowball Analytics
- if dividend income is the point — calendar, forward income and a dividend rating.
- getquin
- if you want a mobile-first tracker with automatic account aggregation and a community feed.
- Empower
- if you want your whole net worth, budget and retirement path in one free dashboard.
- Kubera
- if your balance sheet includes property, private stock, crypto or collectibles.
Not a ranking and not an award — each line is the need that tool is the right answer for, checked against its own public plans as of October 2026.
How to choose a portfolio tracker
Correct cost basis
FIFO/LIFO/average should be handled for you across multiple buys, or your realized/unrealized P&L is wrong.
A return you can compare to the index
A percentage on its own is meaningless. What settles the argument is a money-weighted return (XIRR) against the same money invested in SPY on the same dates — because deposit timing, not just picking, moves that number.
Allocation & concentration
You need to see how your money is split across positions and sectors before concentration becomes a surprise.
Risk, not just returns
A tracker that shows gains but hides downside (VaR, beta, drawdown) only tells half the story.
Free tier that’s actually useful
Basic tracking shouldn’t be paywalled — and it shouldn’t demand your brokerage login.
The options, honestly
No fabricated ratings — just what each tool is good at, so you can match one to your needs.
| Tool | Price | Strongest at | Where it stops |
|---|---|---|---|
| Tradune | Free right now | Money-weighted return (XIRR) against the same cash flows in SPY, with risk analytics on the same holdings | No automatic brokerage sync, no multi-currency tax reports, no property or private assets |
| Sharesight | Free (10 holdings) / $7–$23.25 per month billed annually | Automatic dividend and corporate-action handling, on every plan | No stock screener or technical-indicator alerts (price and portfolio email alerts are included) |
| Snowball Analytics | Free forever (10 holdings) / $79.99–$249.99 per year | Automatic dividend tracking with a calendar and a dividend rating | No SEC Form 4 insider-cluster or 13F ownership tracking |
| getquin | Free / €89.99–€149.99 per year | Unlimited bank and broker connections on the free tier | No dedicated multi-factor screener or technical-alert workflow listed on its public pages |
| Empower | Free tools · paid advisory from $100,000 in assets | Genuinely free dashboard covering net worth, budgeting and cash flow | No stock screener or backtesting among its listed free tools |
| Kubera | $250/yr (Essentials) to $10,000/yr (Gold) · 14-day trial, no free plan | Very broad asset coverage: property, crypto, private equity, precious metals and alternatives | No portfolio VaR or factor analytics listed; scenario modeling comes through its Fast Forward projections |
| Ziggma | Free / $6.99+/mo billed annually | A Portfolio Checkup that rolls holdings into one score, a diversification measure (HHI), a beta risk factor and portfolio yield | Backtesting not listed; the optimizer and model portfolios sit on its Investor tier |
Tradune tracks cost basis (FIFO/LIFO/average), P&L, allocation and daily snapshots, then answers the question most trackers leave open: your money-weighted return (XIRR) against the same cash flows invested in SPY, with the method published. Real risk analytics (VaR, beta, drawdown, stress test) sit on the same holdings, imported manually or from a CSV/broker file — never a brokerage login.
See the featureSharesight
Free (10 holdings) / $7–$23.25 per month billed annuallySharesight is a long-running portfolio tracker built around performance and tax reporting, with automatic dividend and corporate-action handling across many markets and currencies.
Best for: automated dividend and corporate-action bookkeeping plus serious multi-country tax reporting — especially if you hold non-US listings in more than one currency, or file taxes in Australia or Canada.
Tradune vs SharesightSnowball Analytics
Free forever (10 holdings) / $79.99–$249.99 per yearSnowball Analytics is a portfolio tracker with a strong dividend focus — automatic dividend tracking, a dividend calendar and IRR-based performance, with a free tier that never expires.
Best for: dividend-income investors who want the calendar, the forward income and a dividend rating as the centre of the product.
Tradune vs Snowball Analyticsgetquin
Free / €89.99–€149.99 per yeargetquin is a mobile-first portfolio tracker with a large social layer — it aggregates accounts from thousands of providers, tracks net worth and dividends, and lets members discuss portfolios in a community feed.
Best for: a mobile-first tracker with automatic account aggregation and a community to compare notes with, especially for European portfolios.
Tradune vs getquinEmpower
Free tools · paid advisory from $100,000 in assetsEmpower — the former Personal Capital — gives away a whole-finances dashboard: net worth, budgeting and cash flow, a retirement planner and portfolio analysis, alongside a paid advisory service for larger portfolios.
Best for: seeing your entire financial life — accounts, budget, retirement path — in one free dashboard, and for investors open to an advisory relationship.
Tradune vs EmpowerKubera
$250/yr (Essentials) to $10,000/yr (Gold) · 14-day trial, no free planKubera is a net-worth tracker that covers assets most tools ignore — real estate, vehicles, collectibles, private stock, DeFi and NFTs — alongside brokerage and bank accounts.
Best for: tracking a balance sheet that spans property, private holdings and collectibles, and for planning the handover of it.
Tradune vs KuberaZiggma
Free / $6.99+/mo billed annuallyZiggma is a portfolio-management tool built around a 0–100 Ziggma Score for each holding, a Portfolio Checkup, a screener that filters by score, fundamentals and impact, and virtual portfolios — a close conceptual analog to Tradune.
Best for: a clean portfolio tracker with a per-holding quality score, impact screening and brokerage linking, if you don’t need return-vs-index measurement or tax tooling.
Tradune vs ZiggmaOptions and pricing reflect public plans as of October 2026 and may have changed — verify on each provider’s site. This is a buying guide, not a ranked review.
Frequently asked
What is the best free portfolio tracker?
Snowball Analytics, Sharesight and getquin all have permanent free tiers, and Empower’s dashboard is free outright. Tradune is free for everyone right now — including benchmark-relative return and risk analytics; some alternatives put these on a paid tier. Free tiers cap holdings on most of them (10 on Sharesight and Snowball), so check the limit against your position count.
Which portfolio tracker compares my return to the S&P 500?
Sharesight benchmarks from its paid Starter tier and Snowball from its free tier against index funds. Tradune replays your exact cash flows into SPY on the dates you made them and reports the money-weighted (XIRR) difference, with the methodology published — so deposit timing does not flatter or punish the comparison.
Do portfolio trackers need my brokerage login?
Not necessarily, and it is the main design split in this category. getquin, Empower, Kubera and Snowball’s paid tiers connect accounts directly; Tradune uses manual entry or CSV/broker-file import only, so it never holds your brokerage credentials.
Try Tradune free
Free for everyone right now · no card · nothing to buy. See how your own portfolio tracker works against your real holdings.
This guide is for educational purposes only and is not investment advice or an endorsement. Third-party names are trademarks of their owners; details reflect public plans as of October 2026. Always verify current features and pricing yourself.