Updated December 5, 2021 2:37 PM PT

Best Portfolio Analyzers

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Don't let your portfolio go unmanaged. These portfolio analyzers give you in-depth tools and visualizations to get the most out of your investments.

Top Portfolio Analysis Tools
  1. Personal Capital - Best Dashboard
  2. Portfolio Visualizer - Most In-Depth Analysis
  3. Morningstar Portfolio Manager - Best Features
  4. SigFig - Best Simple, Free Portfolio Tracker
  5. Quicken - Best Overall Personal Finance Manager
  6. Mint - Best Budgeting Tools
  7. Investment Account Manager - Best for Multiple Portfolios
  8. Kubera - Best for Crypto Investors

If you're like most Americans today, you have accounts with multiple banks. Checking, savings, credit cards, 401(k)s, mortgages, and beyond.

Wouldn't it be nice if you could manage them all in one place?

This is where portfolio analyzers come in. In this guide, learn about the best portfolio analyzers on the market today. Review the fees, features, and minimums to pick the right one for your financial goals.

Or learn more about the top choices for portfolio management:

StarStarStarStarStarEmpty Star Personal Capital (Free)
StarStarStarStarStarEmpty Star Quicken ($35.99 - $103.99 per year)

Top Portfolio Analysis Tools

We've scoured the web for the best portfolio analysis tools and picked our favorites below. All aggregate your financial data to give a holistic financial picture, though they vary in features and cost.

Want to stay on top of your finances?
Find out if your investments are on trackā€”for free.
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Personal Capital offers one of the most comprehensive dashboards on the market.

Track your day-to-day spending and saving with a high-level view of your monthly cash flow across all accounts. Everything is broken down by categories like groceries, utilities, restaurants, clothing, etc.

Then, plan for the future with their detailed investment visualizations. See all your investment accounts (IRA/401(k), taxable brokerage accounts, etc.) in one place, including allocations by asset class.

Personal Capital's Fee Analyzer looks at the fees charged by your various ETFs and funds and will recommend lower fee alternatives.

They also offer a recession simulator that will show how your portfolio would've performed during recent recessions.

Features & Fees

  • Visualization tools are free and easy to understand
  • Free access to financial planners
  • Free portfolio optimization tools - Fee analyzer and Recession simulator
  • Wealth Management fees on the higher side - 0.5% to 0.8%/yr.
  • Wealth Management minimums start at $100K

What is the best free portfolio tracker?
For free portfolio analyzers, Personal Capital is a favorite of ours. They give you a complete picture of your savings, expenditures, and investments all in one dashboard in addition to some really neat optimizers that most platforms would charge for.

Portfolio Visualizer - Best In-Depth Portfolio Analysis

If you're a seasoned investor that's constantly trying to optimize your portfolio, Portfolio Visualizer is your best bet.

They offer the most robust set of tools any investor would need, including back-testing, factor analysis, and Monte Carlo simulations.

Back-testing allows you to see how your current portfolio would have performed during specific economic conditions.

Factor analysis will decompose your portfolio so you can see to what extent its performance is driven by different investing styles like value vs. growth.

Monte Carlo simulations allow you to stress-test your portfolio, seeing how it's likely hold up under different extreme conditions.

Exploring their platform is free, but if you want to upload your portfolio and run their analysis on it, you have to sign up for their basic plan starting at $19/month.

While this may seem a bit high, it's a reasonable price given the scope and complexity of the tools they offer. Portfolio Visualizer is not for the new or passive investor, it is 100% for hands-on investors.

Features & Fees

  • Best-in-class portfolio analysis and optimization tools
  • Free to explore but $19/month to import portfolio
  • For hands-on investors

Wondering what your mutual funds really invest in? Morningstar's Portfolio Manager can help you out with that.

Morningstar stands out for their premium subscription (for $199/yr) that includes an "X-Ray" feature.

Simply put, it looks through all of the stocks, funds, and ETFs in your portfolio to identify its true exposures. You can see your true portfolio broken down by asset class, region, sector, and investing style (i.e., growth vs. value) and its valuation metrics (i.e., P/E and P/B ratios)

For example, perhaps you put 2% of your portfolio in Microsoft (MSFT) but you also hold ETFs and mutual funds that hold MSFT, which means your actual exposure to Microsoft is higher than 2%.

A downside of Morningstar's platform is that you currently need to manually load in each of your holdings, so there is some decent setup work involved.

Features & Fees

  • Best for ability to "see through" portfolio
  • Detailed analysis that leverages fundamental rankings
  • Costly at $199/yr
  • Need to manually load in holdings

SigFig is similar to other robo-advisors that manage retail money for a small fee, but they also offer a free portfolio tracker tool. It's fairly basic and doesn't come with some of the bells and whistles you get with the paid subscriptions, but it gets the job done if simple is all you need.

You can link up all your different brokerage accounts on the SigFig platform and answer some basic questions about your risk tolerance and investing goals.

Then, their portfolio tracker will analyze your portfolio's asset allocation, geographic exposure, and the fees you're paying. If something seems out of place (i.e., if your stock exposure is high for a risk-averse investor), it lets you know.

You can also opt-in for a weekly email of your portfolio's performance, including the biggest movers and any relevant headlines.

Features & Fees

  • Tracker is free to use
  • Analysis is high level and limited
  • Weekly portfolio summary sent to your inbox

New to investing and looking for a really easy approach? Our round-up of the best robo-advisors is perfect for new and hands-off investors.

Quicken offers a complete financial package at a reasonable price, ranging from $35.99-$103.99/year.

You get budgeting tools, automatic bill pay, debt reduction planners, and investment tracking all in one place, making it a very convenient platform.

Their investment tracker lets you link all your brokerage accounts to their platform to get a single view of everything in one place. You can easily view your portfolio's allocations relative to target weights, view your short-term and long-term gains and losses for tax planning.

Another neat feature of Quicken is they offer a basic scenario analyzer where you can see how a hypothetical trade would impact your portfolio's allocations.

Features & Fees

  • $35.99/year for the starter plan (other plans range from $51.99-$103.99/year)
  • Complete personal finance solution
  • Budgeting tools
  • Auto bill pay
  • Debt reduction planning
  • Investment tracking, including tax planning and scenario analysis
  • Cost-competitive

Quicken also comes with free access to Morningstar's portfolio X-Ray tool.

Mint's bread and butter are their budgeting tools, though their free investment tracker is not to be ignored.

It will show you your portfolio's allocations compared to related benchmarks and can help you identify any investments where the fees are abnormally high compared to similar funds.

If you like budgeting and investing, Mint might be a good place to do both, but if you're mainly looking for a portfolio tracker, there are more comprehensive platforms out there.

Features & Fees

  • Mainly for budgeting
  • Can link all types of financial accounts (checking, savings, credit cards, loans, brokerage)
  • Portfolio tracker helps identify any excessive fees you're paying
  • Completely free to use

Find more best-in-class online budgeting tools with our comprehensive guide.

Investment Account Manager - Best for Multiple Portfolios

Investment Account Manager (IAM) is a robust, desktop-based portfolio management software that you can download for a one-time charge of $99.

It offers a ton of portfolio-management tools, including:

  • The ability to track multiple portfolios
  • Customizable reporting
  • Tax lot planning
  • Portfolio allocation and rebalancing analysis
  • Fundamental ratio analysis

Keep in mind, it is strictly a portfolio management tool and doesn't include any budgeting, debt, or cash management tools.

But if you are a serious investor who spends a lot of time managing multiple portfolios, either for yourself or friends and family, you should seriously consider IAM.

Portfolio monitoring can be very time-consuming for the finance "guru" who manages portfolios for most of their family. But IAM makes all this a breeze, comparatively speaking.

Features & Fees

  • Strictly for portfolio management
  • Ideal for investors that spend a lot of time managing money, especially multiple portfolios
  • Attractive price point considering all IAM's features ($99 one-time payment)

Kubera is a portfolio tracker for the modern investor. You can view all your traditional assets and crypto assets in one place.

But just because it's modern doesn't mean it's confusing. Kubera makes it easy to connect to online brokerages, banks, and crypto wallets with just a few clicks.

You can even add the value of your home, vehicles, or any web domains you own.

Kubera tracks asset values, net worth growth, and even comes with estate management features. However, they lack in-depth data on asset allocation, a retirement planner and fee analyzer.

Features & Fees

  • $15/month or $150/year
  • 14-day free trial
  • "Dead Man's Switch" feature - send financial data to beneficiaries if something happens to you
  • Connects to over 20K banks, brokerages and exchanges
  • No mobile app, currently web only

How Do You Analyze a Portfolio?

A portfolio should be periodically analyzed to make sure it is properly aligned to meet the investor's goals within their planned time horizon. There are three basic steps to conducting this portfolio analysis, described below.

  1. Establish/Re-affirm your investment time horizon and risk preference.
    To figure out if your portfolio requires any changes, you need to understand your investment goals, time horizon, and tolerance for risk.

    The longer the time horizon and the more aggressive the return targets, the higher the risk level.

    More risk (calculated risk) is generally needed to achieve a higher return over time, and more risk is attained by altering your portfolio's asset mix, which is the next step.

  2. Establish/Adjust your portfolio's asset allocation.
    Generally speaking, stocks are riskier assets than bonds and therefore have a higher expected return. This allocation might be higher in a portfolio with a higher risk tolerance and higher return targets.

    As a rule of thumb, retirees are advised to allocate to stocks a percentage of their portfolio equal to 100% minus their age, resulting in a lower allocation to stocks and reflecting a lower risk tolerance as they near retirement age.

  3. Rebalance your portfolio.
    This step is all about placing the trades to bring your portfolio in line with your allocation targets.

    For example, maybe your analysis concluded that your portfolio has too much exposure to European large cap stocks. Or maybe you've decided that you want a higher allocation to municipal bonds.

Why Should You Use Portfolio Management Software?

If you just started investing and your portfolio consists of a couple stocks or ETFs held in a single brokerage account, you might not need any of the portfolio analyzers discussed here.

But as your portfolio grows in value and complexity, consider switching over. Programs like these make it much easier to manage the details and keep a bird's-eye view of your wealth at all times.

In many cases, one of the free trackers will do just fine. At a base level, make sure the program can do the following:

  • Allows you to see all of your investments in a single place
  • Clearly shows the largest components of your overall portfolio
  • Shows which portions are contributing the most to performance
  • Pinpoints where your portfolio is getting hit the hardest by fees

For the hardcore investors with multiple brokerage accounts or someone managing money for a family, paying for one of the premium portfolio management applications, like IAM, might be worth it.

Bottom Line: Which is the best portfolio tracker?

Some portfolio trackers are free, while others cost money. Some are strictly for portfolio management, while some encompass other financial tools, such as budget planning and debt management.

Based on which of these attributes are important to you, consider Personal Capital, Portfolio Visualizer, or Investment Account Manager as the best trackers out there.

Personal Capital would be for the individual who is looking for a free, holistic tool that displays all of their financial metrics (investments, credit cards, debt, expenses, etc.) on an easy-to-read dashboard.

Investment Account Manager and Portfolio Visualizer are for the serious investor that is managing a complex portfolio (sometimes multiple portfolios).

Write to Andrew Fitzgerald at feedback@creditdonkey.com. Follow us on Twitter and Facebook for our latest posts.

Note: This website is made possible through financial relationships with some of the products and services mentioned on this site. We may receive compensation if you shop through links in our content. You do not have to use our links, but you help support CreditDonkey if you do.

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