---
title: "Best Portfolio Tracker for Self-Directed Investors"
description: "Compare portfolio trackers for performance, ETF overlap, broker imports and investment rules. Find the right fit for your portfolio, budget and investing style."
canonical: "https://investboard.com/compare"
language: "en"
published: "2026-11-14"
modified: "2026-11-14"
last_verified: "2026-11-14"
author: "David Bartas"
author_url: "https://investboard.com/about"
publisher: "Investboard"
image: "https://investboard.com/marketing/compare/portfolio-layers-v1.webp"
---

# Best Portfolio Tracker for Self-Directed Investors

By [David Bartas](/about), founder of Investboard. Reviewed: November 14, 2026.

The best portfolio tracker for self-directed investors depends on what you need to understand. Investboard is our pick for connecting portfolio tracking, analysis and research with your own investment rules and decision history, across web, mobile and AI/MCP. Sharesight suits performance and income reporting; Portfolio Performance suits investors who prefer open-source desktop software and control over their records.

![Overlapping smoked-glass layers reveal a single stone on a dark limestone plinth.](https://investboard.com/marketing/compare/portfolio-layers-v1.webp)

Investboard publishes this comparison and is one of the products included. Our assessments reflect documented features and their fit for different needs. They are not the results of a controlled accuracy test across all seven products.

## Portfolio tracker comparison at a glance

| Tracker | Strongest fit | Free option and paid pricing | Main consideration |
| :--- | :--- | :--- | :--- |
| [Investboard](https://investboard.com/pricing) | Portfolio tracking, analysis, research and personal investment rules with AI/MCP | Free: one account, up to 50 holdings. Premium: €19/month or €179/year for web, mobile, research and AI Toolkit/MCP together | One Premium bundle. Built-in AI allowances and MCP permissions apply; external AI provider fees are separate |
| [Sharesight](https://www.sharesight.com/pricing/) | Performance, dividends and reporting across supported investments | Free: 10 holdings, including closed positions. Starter: USD 7/month billed annually. Standard: USD 18/month billed annually or USD 24 billed monthly | Personal API access requires Standard, Premium or Business and must be requested; reports vary by tier |
| [Portfolio Performance](https://www.portfolio-performance.info/en/) | Open-source desktop tracking and configurable analysis | Free desktop software. Optional mobile Premium subscription is separate; store prices vary | Desktop and mobile coverage differ. You manage records and data sources; third-party data/cloud terms may add costs |
| [Parqet](https://parqet.com/en/pricing) | Portfolio and dividend tracking with supported broker imports | Free Basic. Plus tracking: €11.99/month. Terminal research: €29.99/month separately. Plus + Terminal: €41.98/month at regular monthly rates | Terminal is a separate research product. Annual billing and launch offers have different terms; AI integrations also need a plan check |
| [getquin](https://www.getquin.com/pricing/) | Account aggregation with optional analysis and planning | Free aggregation. Premium: €89.99/year. Wealth: €149.99/year | Premium adds AI portfolio analysis; Wealth adds planning and AI financial agents. Prices exclude country-specific taxes and fees |
| [Kubera](https://www.kubera.com/) | Wealth across public and private assets, property and debts | Essentials: USD 250/year. Black: USD 2,500/year. 14-day trial | Essentials includes 2 portfolios, 2 users and 5,000 AI-agent operations/day; Black removes those limits |
| [Empower Personal Dashboard](https://www.empower.com/tools) | Free financial dashboards and retirement tools for a US-focused workflow | Free dashboard and financial tools. Optional advisory services charge asset-based fees separately | Free software and paid managed advice are different services; check US account eligibility |

Prices remain in each provider’s advertised currency. Billing periods, taxes and included features differ. Investboard’s prices include applicable taxes; Sharesight states that taxes may apply. Check the linked plans before subscribing.

**Compare the full setup.** Investboard Premium bundles tracking, analytics, research and AI across web, mobile and MCP in one subscription. Parqet prices its portfolio tracker and Terminal research separately. The other providers also differ in reporting tiers, mobile subscriptions, AI allowances and advisory services. Compare the access you need and the total bill. Research depth and workflows differ; the prices do not imply identical capabilities. External AI providers may charge their own fees.

## What self-directed investors need from a portfolio tracker

A portfolio tracker is software that brings investment holdings and records together so you can review their value, performance and composition. A useful tracker makes the meaning of those records understandable. Start with the questions you expect it to answer.

### Can it represent your actual portfolio?

Check your specific brokers, account types and instruments. A supported broker name is a starting point: you still need to know whether the import includes historical transactions, dividends, fees, transfers and corporate actions.

Current holdings can establish what you own today. A reliable performance history also needs the records explaining how you arrived there.

For investors with several brokers, check both the combined view and the separate accounts. Transfers between your own accounts should remain distinguishable from new contributions.

### Does it explain its return figures?

A percentage needs a definition.

Time-weighted return measures an investment path while adjusting for external cash flows. Money-weighted return reflects the amounts invested and when those cash flows occurred. Different methods can produce different answers from the same investment history.

Also check whether a figure includes dividends, fees, taxes and currency effects, and whether it is cumulative or annualized. Investboard’s [return measurement methodology](/knowledge/methodology) explains these distinctions and the limits created by missing valuations.

### Can it show exposure beneath fund names?

An ETF is one holding in your account, but it can represent hundreds or thousands of underlying investments.

Look-through analysis examines those investments. It can reveal that a company you own directly also appears inside several funds. Useful results should identify the fund-holdings date, coverage and the total against which an exposure is measured.

Our guide to [ETF overlap and look-through](/knowledge/etf-overlap) explains how shared holdings affect the portfolio you actually own.

### Does it support the way you review decisions?

Some investors need a dependable record of performance. Others also want target allocations, concentration limits, a written investment policy or a place to revisit earlier reasoning.

Write down the missing task before comparing subscriptions. That makes it easier to distinguish a capability you will use from an attractive feature you may rarely open.

## The seven portfolio trackers and where they fit

### Investboard for connecting portfolio analysis with your investment plan

Investboard combines portfolio tracking with a written mandate: your goals, investment rules and review process.

Its portfolio analysis examines supported equity funds and direct shares together, including company exposure, overlap and historical correlations. Dates and coverage accompany the analysis so you can assess its scope. [Explore Investboard’s portfolio analysis](/product/analysis).

The AI Toolkit adds a portable investing.md policy file, four skills for examining investment questions and an authorized connection to supported account information. Premium enables portfolio analytics and saved-record retrieval through MCP, the connection used by compatible AI assistants. Portfolio reads also require enabled sharing and the relevant permissions. [See the AI Toolkit](/product/ai-toolkit).

This fits investors who want to connect what they own with the rules they chose and retain reasoning for later review. Free covers one account and up to 50 holdings; Premium includes the platform and toolkit. Broker connections currently focus on Europe, and the tax tools address German tax residents. [Compare Free and Premium](/pricing).

**What the Premium price includes:** one subscription covers the web and mobile platform, portfolio analytics, stock and ETF research, built-in AI and AI Toolkit/MCP access. Research includes per-symbol information, ETF tools, watchlists and price alerts. [Explore the research workspace](/product/research). Built-in AI has plan allowances; your external AI provider may require its own paid account. MCP portfolio reads require your authorization and sharing permissions.

### Sharesight for performance and income reporting

Sharesight is a strong candidate when your main question is how investments performed after accounting for capital gains, dividends and currency movements. It also offers benchmarking and contribution analysis. [See Sharesight’s performance reporting](https://www.sharesight.com/investment-portfolio-performance/).

Its free plan covers one portfolio and 10 holdings. Closed positions count toward that allowance, which matters if you have sold investments over the years.

Paid plans expand holding limits, portfolios and reporting. Check the exact tier needed for your analysis and the reports available for your tax residency. International investment coverage does not automatically establish local tax-reporting suitability. [Review Sharesight’s plans](https://www.sharesight.com/pricing/).

**Check the required reporting and API tier:** Starter supports 30 holdings, including closed positions, and costs USD 7 per month billed annually or USD 9.33 billed monthly. Standard supports four portfolios and unlimited holdings at USD 18 per month billed annually or USD 24 billed monthly. [Personal API access](https://portfolio.sharesight.com/api) is available by request for Standard, Premium and Business customers accessing their own data. API eligibility does not by itself establish a ready-made MCP connection.

### Portfolio Performance for local records and configurable analysis

Portfolio Performance is a strong option if you want open-source desktop software and prefer to organize the analysis yourself.

It records transactions, calculates time-weighted and internal rates of return, supports foreign-currency accounts and allows export to other formats. It also supports freely defined asset allocations, so target weights and rebalancing are part of its capabilities. [See the product overview](https://www.portfolio-performance.info/en/).

The trade-off is the work you retain: configuring classifications, checking imports, choosing price sources and maintaining records. Its [manual](https://help.portfolio-performance.info/en/) shows the scope of that workflow.

Choose it when that control is valuable to you. For a closer comparison, read [Portfolio Performance and Investboard](/compare/portfolio-performance).

**Desktop and mobile have different commercial terms:** the desktop application is free. The mobile companion has an optional Premium subscription for dashboards, with store-specific pricing and different feature coverage. Check the [official mobile FAQ](https://www.portfolio-performance.app/en/faq), along with any external market-data or cloud-storage costs required by your setup.

### Parqet for broker imports, dividends and ETF look-through

Parqet is worth examining if you want portfolio tracking with supported broker imports, dividend views and detailed fund analysis.

Its free Basic plan includes one portfolio and unlimited security holdings. Paid plans add capabilities including X-Ray, which examines country, sector and individual-company weights within ETFs. Check your broker’s supported import method and the plan needed for your preferred views. [Review Parqet’s features and pricing](https://parqet.com/en/pricing).

Parqet also connects portfolio information with external AI assistants. AI access is therefore a capability to compare in detail, rather than a reason on its own to choose Investboard. [See Parqet’s AI integrations](https://parqet.com/en/ai).

Our [Parqet comparison](/compare/parqet) examines the differences in workflow.

**Research is priced separately:** [Parqet Terminal](https://parqet.com/en/terminal) is a separate stock-research workspace, advertised at €29.99 per month or €299 per year at the regular annual rate. Choosing Plus tracking and Terminal on regular monthly billing totals €41.98 per month. Terminal can be considered separately from a paid tracking plan. Annual and launch offers have their own terms. This compares the cost of the selected products, not identical research depth.

### getquin for aggregation with optional analysis and planning

getquin’s free plan includes unlimited bank and broker connections, a net-worth overview and essential portfolio analysis.

Premium adds AI portfolio analysis, dividend forecasting, advanced performance analytics and more detailed allocation information. Its Wealth tier adds financial planning, customizable goals, retirement planning and access to AI financial agents. [Compare getquin’s plans](https://www.getquin.com/pricing/).

It is a relevant shortlist option when bringing accounts together is your first priority and you want the option to add analysis or planning.

Check institution compatibility and which tier contains your required features. The published prices exclude country-specific taxes and fees, so compare the final checkout amount with other subscriptions.

**Match the AI feature to the tier:** Premium includes AI portfolio analysis. Wealth is the higher tier for financial planning and access to AI financial agents. Free aggregation does not include that entire paid feature set. Keep the country-specific taxes and fees in the final comparison.

### Kubera for a broader wealth picture

Kubera is a strong candidate when your financial picture extends beyond a securities portfolio.

It supports a broader balance sheet covering assets such as bank accounts, investments, crypto, property and private holdings alongside debts. It also presents wealth in different currencies.

That scope can be useful when your review needs to include a home, business interest or private investment alongside listed securities.

The practical question is whether the connections, valuation process and history work for your particular assets. A consolidated net-worth figure and a detailed transaction-based investment return serve different purposes; check the outputs you need before subscribing. [Explore Kubera’s net-worth tracker](https://www.kubera.com/net-worth-tracker).

**AI access is part of the offer here too:** Essentials includes two portfolios, two users and 5,000 AI-agent read/write operations per day. Black removes those limits at USD 2,500 per year. This is broader wealth tracking with agent access; compare its records and workflow with the research and portfolio-analysis tools you actually need.

### Empower for free dashboards and US retirement tools

Empower Personal Dashboard combines investment analysis with budgeting, net-worth tracking and retirement-planning tools.

Its documentation describes connections for accounts including IRAs and 401(k)s, making it particularly relevant to investors working within the US financial system. The dashboard and financial tools are free. [Explore Empower’s tools](https://www.empower.com/tools).

It is worth evaluating if those account types and planning tools match your needs. International readers should check regional eligibility and institution support before making it their main tracking system.

**Free dashboard and paid advice are separate:** the dashboard and financial tools are free. Optional [wealth-management services](https://www.empower.com/products-solutions/wealth-management) charge an annual fee based on assets under management, with fund expenses also relevant. That managed service is a different purchase from free portfolio software.

## A worked example of exposure hidden inside funds

Consider this hypothetical €100,000 portfolio.

**Every value and fund weight below is an illustrative assumption. Company A is fictional, and the figures do not describe current market holdings.**

| Holding | Value | Assumed Company A weight | Company A exposure |
| :--- | ---: | ---: | ---: |
| Broad equity fund | €60,000 | 5% | €3,000 |
| US equity fund | €20,000 | 7% | €1,400 |
| Direct Company A shares | €5,000 | 100% | €5,000 |
| Cash | €15,000 | 0% | €0 |
| **Total** | **€100,000** | | **€9,400** |

The direct shares represent 5% of the whole portfolio. However, the two funds add another €4,400 of exposure to the same company.

The combined calculation is:

**€3,000 + €1,400 + €5,000 = €9,400**

That produces two valid percentages:

- **9.4% of the whole portfolio:** €9,400 divided by €100,000.
- **11.06% of equities:** €9,400 divided by €85,000, excluding cash.

Now suppose the investor’s written rule limits any one company to **10% of the equity allocation, including exposure through funds**.

The portfolio exceeds that chosen limit. A whole-portfolio percentage alone would not answer the rule being checked.

This is why the denominator matters. A 10% limit on direct holdings, total wealth or underlying equity exposure describes a different policy.

The finding identifies something to review. It does not determine whether the investor should trade. That decision also depends on their objectives, constraints and reasons for choosing the rule.

A useful tracker makes the exposure and its basis visible. In a real portfolio, it should also show which funds were resolved, the dates of their holdings and any missing coverage.

For a one-time assessment, you can [preview your Investboard portfolio report](/portfolio-report). The personal preview is free; the full report costs €8 once, with no account or subscription required. Findings depend on the portfolio and available data.

## How to check a portfolio tracker before relying on it

Use a small set of records you can reconcile independently.

### Match quantities and cash first

Compare imported holdings with your broker statements for the same date. Check instrument identifiers, quantities, currencies and cash balances.

Resolve missing securities, duplicate imports and transfers before drawing conclusions from performance charts.

### Follow a contribution through the history

Find a known deposit. Check that it appears as a contribution and that the return calculation treats it accordingly.

If money moved between accounts included in the combined portfolio, inspect both sides of the transfer.

### Inspect a dividend and a sale

For a dividend, check the payment, currency, withholding tax and gross or net basis.

For a sale, check the quantity removed, cash proceeds, recorded fees and treatment of the closed position. Your investment history should remain understandable after you stop owning a security.

### Check a foreign-currency position

Compare the security’s local-currency value with its value in your reporting currency. Inspect the exchange-rate date and conversion direction.

A change in the reporting-currency value can reflect both the investment and the exchange rate.

### Compare like-for-like return figures

Before treating two apps’ percentages as a disagreement, align the period, currency, included accounts, cash treatment, income basis and return method.

Then examine any remaining difference. A published formula helps you inspect a calculation, but it does not establish that the underlying records are complete.

### Test your exit

Export a sample of your records and open it. Check whether it contains the history and fields you would need to keep working elsewhere.

This is also a useful time to review connection permissions, deletion options and what happens when a paid plan ends.

## How portfolio tracking connects to a written investment plan

Portfolio analysis becomes more useful when you have stated what you intend to measure.

An [investment policy statement](/knowledge/investment-policy-statement) can record the portfolio’s purpose, time horizon, target allocation, concentration limits and review rules. It should define what each limit counts and which assets form its denominator.

A review can then follow a clear sequence:

1. Read the current policy and its date.
2. Examine the portfolio using the relevant scope and available evidence.
3. Identify deviations, missing information and questions.
4. Record the decision you actually make.
5. Revisit the reasoning at the next review.

Investboard connects those activities with portfolio analysis and AI-assisted explanation. The public [investing.md workbook](/investing-md) provides a free starting point for writing a policy you can bring to your chosen AI.

A policy file gives an assistant a reference. Its usefulness still depends on clear rules, current evidence and how the assistant handles uncertainty.

For allocation reviews, our guide to [portfolio rebalancing](/knowledge/portfolio-rebalancing) explains how a defined process can support consistency.

## When your broker or a spreadsheet is enough

A separate tracker may add little if you have one straightforward account and your broker already provides the records and analysis you need.

A spreadsheet can also work well when you maintain it consistently, understand its calculations and can reconcile it with statements. It can be especially useful for a small set of holdings or a review process built around a few explicit measures.

A dedicated tracker becomes more valuable as the work becomes harder to maintain: several accounts, multiple currencies, a long transaction history, overlapping funds or recurring reviews against personal rules.

Choose the tool whose maintenance effort and outputs fit that work. A subscription earns its place when you use the capabilities it provides.

## Frequently asked questions

### What is the best free portfolio tracker?

Portfolio Performance is a strong option for investors who want free desktop software and control over their records. Empower offers free dashboards and planning tools for a US-focused workflow. Free cloud plans also differ substantially: check account limits, holding limits, historical coverage and access to detailed analysis before choosing.

### Which portfolio tracker is best for multiple brokers?

Start with support for your actual institutions and transaction history. Then check whether the combined view handles transfers, currencies and repeated holdings as you expect. Connection counts alone do not establish that every transaction type or historical record is available. Test representative records from each broker.

### Can a portfolio tracker show ETF overlap?

Some can. Look for analysis of underlying fund holdings and their weights, with visible dates and coverage. Distinguish shared holdings from whole-portfolio company exposure. Also distinguish both from correlation, which measures how returns moved together over a specified period.

### Why do portfolio trackers show different returns?

They may use different records, valuation times, cash-flow conventions, reporting currencies or return methods. One may include income or costs that another excludes. Align those definitions before investigating the remaining difference.

### Do I need AI in a portfolio tracker?

AI can help explain evidence, examine a proposal against written rules or organize questions for a review. Evaluate the information it can access, the calculations behind its answer and whether it identifies missing evidence. The relevant benefit is a clearer review of your portfolio and plan.

### Does Investboard replace my broker?

Investboard provides tracking, analysis, scenarios and tools for reviewing your own investment rules. It does not execute orders or move money. Your investment decisions remain yours.

## Sources and comparison method

Product information and prices were checked on November 14, 2026 against the official pages below. Selections are editorial judgments about documented capabilities, not a numerical ranking or a comparative accuracy benchmark. Broker availability, tax jurisdiction and plan limits can change. The worked example uses hypothetical inputs and does not measure any provider’s results.

- [Investboard: official features and plans](https://investboard.com/pricing)
- [Sharesight: official features and plans](https://www.sharesight.com/pricing/)
- [Portfolio Performance: official features and plans](https://www.portfolio-performance.info/en/)
- [Parqet: official features and plans](https://parqet.com/en/pricing)
- [getquin: official features and plans](https://www.getquin.com/pricing/)
- [Kubera: official features and plans](https://www.kubera.com/)
- [Empower Personal Dashboard: official features and plans](https://www.empower.com/tools)
- [Sharesight: investment performance reporting](https://www.sharesight.com/investment-portfolio-performance/)
- [Portfolio Performance: documentation](https://help.portfolio-performance.info/en/)
- [Parqet: AI integrations](https://parqet.com/en/ai)
- [Investboard: portfolio analysis](https://investboard.com/product/analysis)
- [Investboard: AI Toolkit](https://investboard.com/product/ai-toolkit)
- [Kubera: wealth tracking](https://www.kubera.com/net-worth-tracker)
- [Investboard: investment research](https://investboard.com/product/research)
- [Parqet Terminal: investment research](https://parqet.com/en/terminal)
- [Sharesight: personal API access](https://portfolio.sharesight.com/api)
- [Portfolio Performance: mobile subscriptions and features](https://www.portfolio-performance.app/en/faq)
- [Empower: advisory services and fees](https://www.empower.com/products-solutions/wealth-management)

## Explore a portfolio before bringing your own

Use the [Investboard demo](/demo/wealth/home?lang=en) to examine a sample portfolio, its performance and the plan behind it.

Follow an exposure through the analysis, inspect the evidence and decide whether that workflow answers a question missing from your current tools.

**[Explore the demo](/demo/wealth/home?lang=en)**

*Investments carry risk. Past performance is not a reliable indicator of future results. This article provides general information about software and portfolio analysis; it is not personal investment or tax advice.*