Best Portfolio Analysis Tools of 2026

Tracking and analyzing your investments can be a complex and time-consuming task. Between expense ratios, dividend yields, management fees, tax planning, and asset allocation, there can be a lot of moving parts to keep track of.

But fortunately, there are now many powerful portfolio analysis tools that can save you time and headache. Some tools are free, others cost money. Some provide deep insights while others keep the analysis at a higher level.

While it’s great that there are now so many options available to investors who want to evaluate their portfolios, it can be difficult to know which one is best. Don’t worry. We’ve done the homework for you. Keep reading to find out which companies made our shortlist of the best portfolio analysis tools available today.

Related to: Check out our list of the best retirement calculators too!

Here are our top 4 picks for portfolio analysis tools. If you are not using one of these analyzers, we strongly encourage you to check them out for your portfolio planning needs.

Best Net Worth Tracker: Kubera

Kubera is a premium net worth and portfolio tracker that probably contains most of the banking, investing, and even cryptocurrencies available today.

In fact, if you own alternative assets (cryptocurrency, private equity, and more), Kubera is one of the few asset tracking platforms available that actually works with the rest of your portfolio. It is also one of the only tracking platforms that can track your DeFi assets.

Kubera has quickly become our personal favorite because, besides valuing your alternative assets alongside your stocks, it values ​​privacy. It’s a premium product, but as a result of paying, your information is not sold for marketing purposes.

They also have some premium features, such as heart rate scanning to send information to beneficiaries, insurance tracking, and a file vault.

Read our full Kubera review here.

• Many connections: It connects to almost every bank, brokerage, and even crypto wallets
• Focus on privacy: Your information is private and is not used for marketing purposes
• Modern, customizable interface: The modern, easy-to-customize interface lets you view your assets the way you want to see them.
• Insurance Tracking: One of the only net worth trackers that includes a section to monitor your insurance policies as well.

• There is no mobile version: There is no portable version (yet). It’s on the roadmap, so hopefully this issue will be resolved in the next few months.
• Special price: Kubera has a premium price of $15 per month.

Empower is a free portfolio analysis tool that provides a “mosaic” chart to help you visualize the composition of your portfolio (note that Empower was formerly known as Personal Capital). It divides your investment portfolio into stocks, bonds, international, local, and other important categories.

Empower made our list of the best portfolio analysis tools primarily because of the wide variety of calculators and charts it offers. In addition to the mosaic chart, Empower can track your net worth and cash flow, and will provide personalized investment recommendations and insights.

Although Empower is a free tool, there are some strings attached to it. It serves as an advertising platform for the consulting services provided by Empower. When you first sign up, you may receive some calls from financial advisors looking for your business.

Read our full Empower review here.

• free: A great tool that comes at the best possible price.
• Excellent visualizations: Although I’m not a huge fan of Empower’s pie charts, the majority of its charts and graphs are useful for investors trying to understand their portfolio.
• Useful recommendations for the average investor: The app provides high-level recommendations on where your assets should be distributed taking into account your risk tolerance and age. Their recommendations are not always perfectly suitable for everyone, but they can be a great starting point for novice investors.

• May receive phone calls from Empower: If you have a six-figure portfolio, expect to receive some calls from Empower representatives. It may be annoying at first. But after a few calls, you will be able to use the tool for free without any hassle.
• Minimal insight into volatility: Empowerment does not give a clear idea of ​​the expected fluctuations unless you delve deeply into the recommendations section.

Portfolio visualizer It is one of the most powerful portfolio analysis tools on the market. He specializes in Monte Carlo simulations (which give the probability that a portfolio will last for a specific period of time), backtesting, and various forms of asset allocation analysis. The tool also provides some insights into timing strategies.

Portfolio Visualizer is ideal for investors who enjoy modifying their portfolio. But you also want to be someone who’s committed enough to your basic investing strategy that you’re not tempted to throw it away every time you come across a new tool in the Portfolio Visualizer.

Read our full review of Portfolio Visualizer here.

• Monte Carlo and backtesting: Probability-based portfolio analysis is essential for people trying to do retirement or college planning. Portfolio Visualizer provides easy-to-use and easy-to-understand options for both options.
• Solid free plan: The free version of Portfolio Visualizer provides all major functionality except export to Excel or CSV files and the ability to import portfolios. But if you simply want to understand the tool, the free plan is excellent.

• You must pay to import wallets: A “basic” subscription to the tool costs $19 per month. This includes importing, saving, and exporting portfolios to CSV or Excel files. Investors who own a lot of individual stocks may need to upgrade to this option.
• The wide range of tools can be overwhelming: With great power comes great responsibility. Despite the educational material on the site, Portfolio Visualizer can be overwhelming especially for people just starting out. I recommend familiarizing yourself with basic investing concepts with Empower or Morningstar Portfolio Manager before delving into this advanced tool.

Morningstar is one of the premier portfolio analysis tools for everyday investors looking to understand more about their portfolio. Morningstar’s Portfolio Manager is a free tool that provides details about stocks, ETFs, and mutual funds.

The X-Ray tool also provides a deep dive into each mutual fund or ETF to provide details that other analysis tools may miss. For example, it reveals hidden fees and shows whether you may be unintentionally overinvested in a single stock due to the fund’s allocation.

Read the full Morningstar review here.

• Easy to understand: The charts and statistics that Morningstar provides are easy to understand, even for people who don’t have much of a background in investing.
• Focus on the right details: Most investors need to understand their asset allocation and the fees they pay. The Morningstar tool provides details about it but doesn’t overwhelm you with too much information.

• You must enter wallets manually: Unlike many portfolio analysis tools, the Morningstar Portfolio Manager cannot connect to your brokerage account. You must enter all your portfolio positions manually.
• Access to the best tools requires a paid subscription: While Morningstar Portfolio Manager is completely free, X-Ray is part of the Morningstar Premium service (now called Morningstar Investor) which costs $249 per year or $34.95 per month. However, you can try a 7-day trial for free, then get a $50 discount.

The portfolio analysis tools described above are excellent. But although powerful, it will not meet all needs. Often, the best tools for improving your finances are tools that help you manage your cash flow.

For a spreadsheet spreadsheet, Tiller Money can help track net worth and manage cash flow. Or if you want to see how your investment portfolio fits into your overall financial plan, tools like Savology or NewRetirement may be better options.