Affordable Personal Finance Apps With Investment Tracking Features (2026)
Last updated: June 2026
Most personal finance apps were built for budgeting. Investment tracking was added later — and it shows. You get a pie chart showing your allocation, maybe a balance ticker, and that’s it. Actual performance data, dividend history, retirement projections? Those stay locked in your brokerage app.
The apps on this list are different. Each one offers real investment visibility at a price that doesn’t require a premium membership or a managed-account minimum. Some are free. Some cost less than a streaming subscription. All of them can show you more than just a balance.
Quick answer: For most people who want budgeting and investment tracking under one roof, Quicken Simplifi at $3.99/month (billed annually) is the strongest option. It tracks 401(k)s, IRAs, brokerage accounts, and crypto in one place, calculates time-weighted return (TWR) and internal rate of return (IRR), and includes a retirement planner with 15 adjustable variables. If you want free investment tracking, Empower Personal Dashboard is the strongest no-cost option. If you need to track complex, multi-entity wealth, Kubera ($250/year) handles assets most apps don’t touch.
The apps at a glance
| App | Best for | Price | Free tier? |
|---|---|---|---|
| Quicken Simplifi | Best overall — budgeting + investment tracking | $3.99/mo (billed annually) | No; 30-day risk-free |
| Quicken Business & Personal | Freelancers and small business owners | $4.99/mo (billed annually) | No; 30-day risk-free |
| Empower Personal Dashboard | Best free option | Free | Yes |
| Copilot Money | Apple users | ~$7.93/mo (billed annually) | No; test drive available |
| PocketGuard | Budget-first investors | $6.25/mo (billed annually) | No; 7-day free trial |
| Snowball Analytics | Dividend investors | Free–$12.50/mo | Yes (limited) |
| Kubera | Complex or high-net-worth portfolios | ~$20.83/mo (~$250/year) | No; 14-day trial |
| Fidelity Full View | Existing Fidelity customers | Free | Yes (Fidelity customers) |
| Yahoo Finance My Portfolio | Free investment tracking | Free–$5.55/mo (Bronze) | Yes |
Prices verified June 2026.
What “affordable” means here — and what investment tracking should actually do
“Affordable” is relative. For this list, we’re looking at apps priced under $25/month where investment tracking is a meaningful feature, not a footnote. Free options are included because free-plus-capable still counts.
Investment tracking ranges widely in what it actually delivers. At minimum, a tracker should sync your brokerage accounts and show current balances. Better apps add:
- Performance calculation — not just balance growth, but return percentages that account for contributions and withdrawals. Time-weighted return (TWR) does this correctly; it’s the standard institutional fund managers use.
- Allocation view — how your money is divided across asset classes, sectors, or accounts
- Dividend tracking — what you’ve received, what’s coming, yield calculations
- Retirement projections — forward-looking models with multiple adjustable inputs, not a single “you’ll have X at 65” output
The apps below range from basic portfolio viewers to tools that calculate IRR, model retirement scenarios with 15 variables, and track assets across crypto wallets and private equity platforms. Which level you need depends on what you’re trying to see.
Best overall: Quicken Simplifi
Best for: Everyday investors who want budgeting and investment tracking in one app
Price: $3.99/month billed annually ($6.99/month billed monthly)
Quicken Simplifi is the only app on this list that handles both sides of personal finance — what’s coming in and going out, and how your investments are performing — without requiring two separate tools.
Investment tracking capabilities
Simplifi connects to over 14,000 financial institutions, including brokerage accounts, 401(k)s, traditional IRAs, Roth IRAs, 403(b)s, and crypto accounts. From a single dashboard, you can see:
- Time-weighted return (TWR): Measures portfolio performance independent of when you added money — the same standard professional fund managers use
- Internal rate of return (IRR): Accounts for the timing of your contributions, giving you a personal rate of return on your actual investment behavior
- Cost basis tracking: Necessary for calculating taxable gains accurately
- Asset allocation view: How your holdings break down by asset class across all connected accounts
- Real-time quotes and news: Live pricing tied to your actual holdings, with news feeds relevant to the securities you hold
Retirement planner
Simplifi includes a retirement planner with 15 adjustable variables: 10 standard inputs (current age, retirement age, current savings, annual contributions, expected return, Social Security estimate, and others) plus 5 advanced inputs, including separate pre-retirement and post-retirement return assumptions. The inflation rate defaults to 3% and can be adjusted. The planner models early retirement scenarios and incorporates pension income.
Spending Plan
The Spending Plan is Simplifi’s approach to forward-looking budgeting: it takes your monthly income, subtracts recurring bills and savings contributions, and shows you what’s available to spend in real time. It’s a different approach from traditional category-based budgeting.
Sharing
You can share your Quicken Simplifi account with a partner, financial advisor, or anyone you trust using the spaces and sharing feature. One additional user is included in the subscription.
What to keep in mind
Simplifi is built for personal finance. It doesn’t support crypto tracked by wallet address, private equity positions, or multi-entity structures like trusts or LLCs. For those needs, see Kubera below.
Awards and recognition
Quicken Simplifi has been named:
– CNBC Select “Best App for Planners” (2026)
– Engadget “Best Mint Alternative Overall” (2026)
– CNET “Best for An Overall Snapshot of Finances” (2026)
– PC Magazine “Reader’s Choice Award for Top Personal Finance Software” (2026)
– Time “America’s Best Financial Services” (2026)
– FinTech Breakthrough Awards “Personal Finance App of the Year” (2026)
– Investopedia “Most Comprehensive Portfolio Management Software Tools” (2025)
– TechRadar “Best Overall” (2025)
Bottom line: At $3.99/month, Quicken Simplifi delivers investment tracking depth — TWR, IRR, a 15-variable retirement planner — that most apps at this price point don’t approach. Add a Spending Plan and account sharing, and it’s the most complete option in this price range.
Try Quicken Simplifi — 30-day risk-free
Best for freelancers and business owners: Quicken Business & Personal
Best for: Self-employed individuals and small business owners who need personal investment tracking alongside business finances
Price: $4.99/month billed annually ($8.99/month billed monthly)
Quicken Business & Personal gives you all of Simplifi’s personal finance and investment tracking capabilities, plus a full small business accounting layer. You can manage up to 10 separate business entities within one subscription.
Why it matters for investors who are also business owners
When your income comes from self-employment or a business, keeping personal investment returns separate from business cash flow is both practically useful and tax-relevant. Business & Personal lets you run P&L reports, track business income and expenses, and see your personal investment performance — in one subscription instead of paying separately for a business accounting tool and a personal finance app.
Investment features
All of Simplifi’s investment tracking capabilities carry over: 14,000+ institution connections, TWR, IRR, the 15-variable retirement planner, real-time quotes, and cost basis tracking.
Tax prep
Business & Personal generates Schedule C reports for freelancers and Schedule A, Schedule B, and Form 1040 tax reports for personal filings — relevant for investors tracking taxable gains and dividend income.
What to keep in mind
This product’s personal finance capabilities match Simplifi exactly. The additional cost over Simplifi ($4.99 vs. $3.99) covers the business accounting layer. If you have no business income to track, Simplifi is the more appropriate choice.
Bottom line: If you’re self-employed and want a single app that handles both business accounting and personal investment tracking, Business & Personal at $4.99/month covers both without requiring a separate subscription.
Try Quicken Business & Personal — 30-day risk-free
Best free option: Empower Personal Dashboard
Best for: Investors who want free, comprehensive portfolio tracking without a budgeting requirement
Price: Free
Empower Personal Dashboard is the most fully featured free financial dashboard on this list. It tracks net worth, spending, and investments — all at no cost — making it the default recommendation for anyone who needs investment visibility without a subscription.
Investment tracking
The portfolio analysis tools include:
– Growth tracking against market benchmarks
– Asset allocation view across all connected accounts
– Risk analysis and portfolio stress-testing
– Retirement planner integrated with your actual account balances
About the advisory services
Empower’s primary business is wealth management. Their advisory services begin at $250,000 in investable assets (Personal Strategy) and $1,000,000 (Private Client). The free dashboard is the entry point; you’ll see prompts to speak with a financial advisor, but the tracking tools function fully without enrolling in advisory services.
Recognition
NerdWallet named Empower “Best budget app for tracking wealth and spending” in January 2026. Forbes Advisor recognized it as “Best Budgeting App for Tracking Net Worth” in 2025.
What to keep in mind
Empower is optimized for investment tracking and net worth visibility. The budgeting features work, but they’re less developed than dedicated budgeting apps. If you need a forward-looking Spending Plan or detailed bill management, a different tool on this list will serve you better.
Bottom line: For free investment tracking with real depth — benchmarking, allocation, risk analysis, retirement projections — Empower has no meaningful competition in the free tier.
Best for Apple users: Copilot Money
Best for: iPhone, iPad, and Mac users who want a polished, AI-assisted personal finance experience
Price: Approximately $7.93/month billed annually (save 39% vs. $13/month billed monthly)
Copilot Money is an Apple-first app that runs on iPhone, iPad, Mac, and web. It uses AI to categorize transactions and surfaces investment performance estimates directly in the app.
Investment tracking
Copilot provides live investment performance estimates integrated into the overall financial picture, alongside an allocation view across stocks and crypto. Real estate can be tracked via Zillow integration. The investment data is functional and well-displayed, though it doesn’t surface IRR or time-weighted return calculations.
Getting started
Copilot offers a test drive mode where you can explore the interface and see sample data before connecting any financial accounts.
What to keep in mind
Copilot does not have an Android app. If you or a partner use Android devices, this option isn’t viable. Its focus on the Apple ecosystem shows in the design quality, which is among the highest in this category.
Bottom line: For users in the Apple ecosystem who want a beautifully designed app with solid investment tracking and AI-assisted categorization, Copilot is a strong choice at roughly $7.93/month billed annually.
Best for budget-first investors: PocketGuard
Best for: People whose primary goal is controlling spending, with investment account visibility as a secondary need
Price: $6.25/month billed annually ($74.99/year); $12.99/month otherwise; 7-day free trial
PocketGuard’s core concept is showing you what’s left to spend after bills, necessities, and savings goals — all features included at one price. It connects to more than 18,000 financial institutions.
Investment and net worth tracking
PocketGuard tracks investment account balances alongside your full financial picture. The net worth tracker syncs investment accounts to display holdings, supports real estate tracking, and allows you to manually add valuables like art and collectibles. Daily balance snapshots provide a running history of your net worth.
What to keep in mind
PocketGuard is primarily a spending control tool. If investment analytics — performance charts, dividend data, sector allocation — are central to your needs, the investment side of PocketGuard is lighter than the dedicated investment trackers on this list.
Bottom line: At $6.25/month billed annually, PocketGuard is worth considering if budgeting is your main goal and you want investment account visibility as part of your net worth picture.
Best for dividend investors: Snowball Analytics
Best for: Dividend-focused investors who want deep analytics alongside portfolio performance data
Price: Free (limited); Starter $6.70/month ($79.99/year); Investor $12.50/month ($149.99/year); 14-day free trial, no credit card required
Snowball Analytics is purpose-built for serious investors who track dividend income. It covers stocks, ETFs, and funds across 70+ exchanges in 30+ currencies — notably global in scope compared to US-centric alternatives on this list.
What the free plan includes
The free plan allows one portfolio with up to 10 holdings, a dividend calendar, basic performance metrics including IRR and sector diversity, and broker report imports. It’s functional for getting started or tracking a small index fund position.
Paid tiers
The Starter plan ($6.70/month billed annually) adds brokerage linking, unlimited holdings in one portfolio, dividend rating, and a full rebalancing tool. The Investor plan ($12.50/month billed annually) expands to 10 portfolios, full benchmarking against any asset, 10 years of company fundamentals, and 30+ years of backtest data.
Depth of analytics
Snowball provides IRR, Sharpe ratio, PE ratio, and Beta — metrics typically found in professional research tools. The dividend suite includes a dividend calendar, yield and yield-on-cost calculations, custom withholding tax, and dividend ratings.
What to keep in mind
Snowball Analytics is focused on investment and dividend analysis. There’s no budgeting module — no spending tracker, Spending Plan, or bill management. Use it alongside a budgeting app, or as a standalone tool if investment tracking is all you need.
Bottom line: For dividend investors who want data depth — multiple analytics metrics, global exchange coverage, 30+ years of backtest data — Snowball Analytics at $6.70–$12.50/month is genuinely specialized.
Best for complex portfolios: Kubera
Best for: High-net-worth individuals and those with complex asset structures who need a unified balance sheet
Price: $250/year Essentials (~$20.83/month); $2,500/year Black; 14-day fully loaded trial
Kubera occupies its own category. It’s less a personal finance app and more a personal balance sheet — designed for people who hold assets across multiple brokerage accounts, crypto wallets, real estate, private equity, and alternative investments.
Asset coverage
Kubera connects to banks and brokerages via multiple aggregators (selecting the optimal connector per institution), crypto exchanges and wallets with DeFi and NFT support, and private equity platforms including direct Carta integration. It tracks gold, real estate, vehicles, jewelry, and watches using live price feeds and AI appraisal. For private investments, Kubera understands committed capital, capital calls, distributions, and IRR.
Features you won’t find elsewhere at this price
- AI Import: Upload PDF statements or screenshots; AI extracts and enters the data automatically
- Proof of Wealth: Self-attested proof of funds or accredited investor verification — no document gathering required
- Dead Man’s Switch: Securely delivers portfolio access to named beneficiaries if you go offline for a configurable period
- AI advisor integration: Connects to ChatGPT, Claude, and Gemini for portfolio queries
- Club Benchmarks: Compares your allocations to anonymized data from Kubera users at similar net worth levels
- Multi-currency: Full multi-currency support, including net worth viewed in Bitcoin
What to keep in mind
Kubera does not include a budgeting module. Nested portfolios (for trusts, LLCs, family entities) and granular access control for sharing with advisors and family require the Black plan ($2,500/year).
Bottom line: At $250/year, Kubera is at the high end of “affordable” but well below the 1%-of-AUM model of private banking. For complex portfolios, nothing on this list matches its asset coverage.
Best for Fidelity customers: Fidelity Full View
Best for: Existing Fidelity customers who want to aggregate outside accounts alongside their Fidelity holdings
Price: Free (available to Fidelity customers only)
Fidelity Full View, operated by eMoney Advisor LLC, is available at no additional cost to Fidelity account holders. It aggregates accounts from outside institutions — bank accounts, investment accounts, credit cards — into a single dashboard alongside your Fidelity holdings.
What it does
Full View provides net worth tracking, cash flow visualization, and AI-driven transaction categorization across more than 100 categories with customizable sub-categories. You can see a consolidated view of your finances including external investment accounts.
What to keep in mind
Full View’s complete feature set requires the desktop site (fidelity.com). Mobile access is limited compared to the desktop experience — if mobile is your primary way of managing finances, this limitation matters. Fidelity explicitly notes that the net worth display is informational and not a substitute for official account statements.
This tool is not available to non-Fidelity customers.
Bottom line: For Fidelity customers, Full View is worth setting up simply because it’s free and adds outside account aggregation at no cost. For non-Fidelity customers, other options on this list are more accessible.
Best free investment tracker: Yahoo Finance My Portfolio
Best for: Anyone who wants to track investment positions for free without requiring brokerage account linking
Price: Free (My Portfolio); Bronze $5.55/month billed annually ($66.60 billed in the first year, $95.40/year thereafter)
Yahoo Finance’s My Portfolio lets you create and track a portfolio of stocks, ETFs, and other securities at no cost. The free version doesn’t require linking a brokerage account — you manually add positions, and Yahoo Finance tracks current prices and basic metrics.
Free tier
The free My Portfolio includes position tracking, basic performance data, news tied to your holdings, and access to Yahoo Finance’s financial data library.
Bronze plan ($5.55/month billed annually)
The Bronze plan adds portfolio performance charting, volatility risk monitoring, diversification visualization, and community sentiment insights — alongside an ad-free experience. Yahoo Finance describes Bronze as ideal for tracking 401(k)s, IRAs, and other retirement and college savings accounts in one place.
What to keep in mind
Yahoo Finance is a research and tracking platform, not a personal finance app. There’s no budgeting, no Spending Plan, no bill tracking. It’s excellent for tracking investment positions and reading financial news about your holdings. For spending management alongside investment tracking, you’ll need a different tool.
Bottom line: Free, widely available, and backed by Yahoo Finance’s research infrastructure. If you want a portfolio tracker without a subscription, My Portfolio is a solid starting point.
How to choose
I need both budgeting and investment tracking in one app
→ Quicken Simplifi ($3.99/month). Full investment tracking with TWR, IRR, and a 15-variable retirement planner, plus the Spending Plan and account sharing.
I’m self-employed or run a small business
→ Quicken Business & Personal ($4.99/month). Simplifi’s investment features plus business accounting, P&L reports, and Schedule C tax support.
I want free investment tracking with real depth
→ Empower Personal Dashboard (free). Benchmarking, allocation, risk analysis, and retirement projections — no subscription required.
I’m on iPhone/Mac and want thoughtful design
→ Copilot Money (~$7.93/month billed annually). AI categorization, live investment estimates, polished interface.
Budgeting is my priority, but I want my investment accounts visible
→ PocketGuard ($6.25/month billed annually). Spending focus first, investment account visibility included.
I’m building a dividend income stream and need analytics for it
→ Snowball Analytics (free–$12.50/month). Dividend calendar, IRR, Sharpe ratio, 70+ global exchanges, 30+ years of backtest data.
I have complex assets — crypto, real estate, private equity, trusts
→ Kubera ($250/year). The only app here that handles all of it, from DeFi positions to Carta integrations.
I’m already a Fidelity customer
→ Fidelity Full View (free). Worth setting up for outside account aggregation at no cost.
I just want to track investment positions for free
→ Yahoo Finance My Portfolio (free). No subscription required, backed by Yahoo’s data.
Frequently asked questions
What’s the most affordable app with real investment tracking?
For paid apps, Quicken Simplifi at $3.99/month billed annually is the most capable option at that price among the apps covered in this article — it calculates time-weighted return and IRR, includes a 15-variable retirement planner, and connects to 401(k)s, IRAs, and brokerage accounts at 14,000+ institutions. For free apps, Empower Personal Dashboard includes portfolio benchmarking, allocation analysis, and a retirement planner at no cost.
Do any of these apps track 401(k)s and IRAs?
Yes. Quicken Simplifi explicitly supports 401(k), traditional IRA, Roth IRA, 403(b), and brokerage accounts. Empower’s free dashboard also tracks retirement accounts. Yahoo Finance Bronze is described as ideal for tracking 401(k)s, IRAs, and other retirement and college savings accounts in one place.
What’s the difference between a portfolio tracker and a personal finance app?
A portfolio tracker (like Snowball Analytics, Yahoo Finance My Portfolio, or Kubera) focuses on investment data — performance, allocation, dividends, research tools. A personal finance app (like Simplifi or PocketGuard) combines investment tracking with spending management, budgeting, and bill tracking. If you need both sides, a personal finance app with investment features is more efficient than maintaining two separate subscriptions.
Is there a meaningful difference between time-weighted return and a simple performance percentage?
Yes. Simple return calculations are affected by when you add or withdraw money — a large contribution right before a market dip makes your return look worse than your actual investment decisions warranted. Time-weighted return (TWR) strips out the effect of cash flows, measuring how the portfolio itself performed. It’s the standard professional investors use. Quicken Simplifi calculates both TWR and IRR. IRR adds back the timing dimension of your personal contributions, giving you a fuller picture of your investment results.
Which apps work for crypto?
Quicken Simplifi connects crypto accounts (exchange-linked). Kubera has the broadest crypto coverage of the apps covered here — it connects to major exchanges and wallets, understands DeFi and NFT positions, and tracks staking and lending activities. Copilot Money shows crypto holdings in its allocation view. Yahoo Finance tracks crypto tickers for watchlist purposes.
Which app is best for managing investments in multiple currencies?
Among the apps covered here, Kubera is the strongest multi-currency option — designed for expats and international investors, it supports viewing net worth in currencies including Bitcoin. Snowball Analytics supports 30+ currencies and 70+ global exchanges.
Which apps offer a free trial?
Snowball Analytics offers a 14-day free trial with no credit card required. PocketGuard offers a 7-day free trial. Kubera offers a 14-day fully loaded trial. Copilot Money offers a test drive before you connect any accounts. Quicken Simplifi and Quicken Business & Personal offer a 30-day risk-free period — you’re charged at signup but can request a full refund within 30 days if the product isn’t right for you. Empower Personal Dashboard and Fidelity Full View are free with no trial period needed. Yahoo Finance My Portfolio has a free permanent tier.
Can I share a personal finance app with my partner?
Quicken Simplifi includes a sharing feature — you can share your account with one additional person (a partner, financial advisor, or anyone you trust) using the spaces and sharing feature. Kubera’s Black plan ($2,500/year) includes granular access control for sharing with family members, advisors, and accountants.
About Quicken
Over 40 years, Quicken has served more than 20 million customers. Two Quicken products are featured in this post:
Quicken Simplifi is a mobile-first personal finance app that combines the Spending Plan, investment tracking (TWR, IRR, 15-variable retirement planner), and financial reporting in one subscription.
Quicken Business & Personal adds small business accounting to everything in Simplifi: P&L reports, Schedule C tax filing support, and management of up to 10 business entities.
Both products include a 30-day risk-free period.
Prices and features verified June 2026. Pricing is subject to change; verify current pricing at each company’s website before purchasing.
Quicken has made the material on this blog available for informational purposes only. Use of this website constitutes agreement to our Terms of Use and Privacy Policy. Quicken does not offer advisory or brokerage services, does not recommend the purchase or sale of any particular securities or other investments, and does not offer tax advice. For any such advice, please consult a professional.
