Top portfolio analysis tools for 2026

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Tracking and Analyzing Investments

Tracking and analyzing your investments can be a complicated 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 thankfully there are now many powerful portfolio analysis tools that can save you time and headache. Some tools are free, while others cost money. Some offer deep insights while others keep the analysis at a higher level.

While it's great that there are now many options available for investors who want to evaluate their portfolios, it can be difficult to tell which ones are the best. Don't worry. We've done the homework for you. Keep reading to see which companies made our short list of the best portfolio analysis tools available today.

Top 4 Picks For Portfolio Analyzer Tools

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

Best Net Worth Tracking: Kubera

Kubera is a premium net worth and portfolio tracking tool that probably has the most banking, investment, and even cryptocurrency connections 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's also one of the only tracking platforms that can track your DeFi assets.

Kubera has quickly become our personal favorite because, along with valuing your alternative assets alongside your equities, they value privacy. It is a premium product, but as a result of paying, your information is not being sold for marketing purposes.

They also have some differentiated features, such as a heartbeat check to send information to your beneficiaries, insurance tracking, and a file vault.

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Best High-Level Visualizations: Empower

Empower is a free portfolio analysis tool that gives a “mosaic” plot chart to help you visualize the composition of your portfolio (note, Empower was previously known as Personal Capital). It breaks down your portfolio into stocks, bonds, international, domestic, and other important categories.

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

Although Empower is a free tool, there are a few strings attached. It serves as an advertising platform for Empower’s advisory services. When you first sign up, you may receive a few calls from financial advisors looking for your business.

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Best Probability-Based Tool: Portfolio Visualizer

Portfolio Visualizer is one of the most robust portfolio analysis tools on the market. It specializes in Monte Carlo simulations (which give the probability of a portfolio lasting a specified 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 tinkering with their portfolio. But you'll also want to be someone who's committed enough to your basic investing strategy that you won’t be tempted to dump it every time you come across a new tool in Portfolio Visualizer.

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Best For Mutual Fund And ETF Investors: Morningstar Portfolio Manager

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

The X-Ray tool also gives a deep dive into each mutual fund or ETF to give details that other analysis tools might miss. For example, it uncovers hidden fees and shows whether you may be accidentally over-invested in a single stock due to a fund’s allocation.

Pros

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

Cons

• Have to manually enter portfolios: Unlike many portfolio analysis tools, Morningstar’s Portfolio Manager cannot connect to your brokerage account. You must manually enter all your portfolio positions.
• Accessing 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 monthly. However, you can try a 7-day trial for free, and then get $50 off.

Editor's Note for Morningstar's Premium version

Morningstar Premium has rebranded as Morningstar Investor. According to the company, these changes were made due to feedback from Premium users.

You're in luck if you're a student— you can enjoy $25 for the entire year, a 90% discount!

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Final Thoughts

The portfolio analysis tools outlined above are excellent. But as robust as they are, they won’t meet every need. A lot of times, the best tools for improving your finances are tools that help you manage your cash flow.

For the spreadsheet inclined, Tiller Money can help with net worth tracking and cash flow management. Or if you wanting to see how your investing portfolio fits into your overall financial plan, tools like Savology or NewRetirement could be better options.