Top Portfolio Analysis Software Solutions: A Complete Guide to Finding Your Ideal Tool

Effective investment management starts with understanding your portfolio clearly. Whether your holdings are scattered across multiple brokerages or concentrated in one platform, portfolio analysis software can provide the comprehensive view you need. These solutions help you track performance, assess risk, optimize asset allocation, and identify opportunities for improvement—all critical tasks for successful investing. This guide reviews the leading portfolio analysis software options available today, explains who they’re best suited for, and answers common questions about portfolio management tools.

Understanding Your Portfolio Analysis Needs

Before exploring specific portfolio analysis software solutions, it’s important to recognize what you’re trying to accomplish. Different investors have different priorities:

• Income-focused investors want detailed dividend tracking and income projection capabilities
• High-net-worth individuals need to consolidate public and private investments in one view
• Hands-off investors prefer automated rebalancing and robo-advisor features
• Hands-on investors want granular control and advanced analytical tools
• Budget-conscious investors seek cost-effective portfolio analysis software without premium fees
• International investors require multi-currency support and global market access

Your ideal portfolio analysis software depends on which of these categories (or combination) matches your situation.

Top Portfolio Analysis Software: Your Options

1. Empower – Best Free Portfolio Analysis Software and Tracker

Available via: Web and mobile app (iOS, Android)

Empower (formerly Personal Capital) serves 3.3 million users with both free and premium portfolio analysis software offerings. The free tier includes the Personal Dashboard, where you can consolidate all financial accounts—credit cards, savings, checking, loans, and tax-advantaged investment accounts—in one place.

The free Investment Checkup tool assesses your portfolio risk, reviews past performance, and recommends target allocations. It identifies overweight and underweight sector positions and evaluates your diversification against both the S&P 500 and Empower’s proprietary “Smart Weighting” recommendation, which suggests more balanced portfolio weightings across size, style, and sector than the market-cap-weighted S&P 500.

The Fee Analyzer reviews advisory fees, sales charges, expenses, and other costs you’re paying. Additional free tools include Savings Planner, Retirement Planner, and Financial Calculators.

For investors seeking more comprehensive portfolio analysis software, Empower’s Wealth Management plan combines automated tools with human financial advisors. After entering your risk tolerance, goals, and preferences, the system creates a recommended portfolio diversified across six asset classes: U.S. stocks, international stocks, U.S. bonds, international bonds, alternative investments, and cash. Portfolios are rebalanced when necessary and can incorporate socially responsible investing (SRI) criteria.

Financial advisors are available 24/7 via phone, live chat, email, or web conference. The Wealth Management plan requires a $100,000 minimum investment with tiered fee structures:

• $100,000–$1,000,000: 0.89%
• $1,000,001–$3,000,000: 0.79%
• $3,000,001–$5,000,000: 0.69%
• $5,000,001–$10,000,000: 0.59%
• $10,000,001+: 0.49%

2. Vyzer – Portfolio Analysis Software for Complex Holdings

Available via: Desktop (Windows, macOS), mobile (Android, iOS)

Vyzer specializes in portfolio analysis software designed for high-net-worth individuals with diverse holdings. It uniquely combines public and private investment performance tracking in a single platform, making it ideal for investors managing venture capital, hedge funds, private equity, real estate syndications, startups, and other alternative investments alongside traditional brokerage accounts.

Vyzer supports tracking across all major asset classes: real estate, private equity funds, private companies, investment accounts (brokerage, 401(k), IRA, Roth IRA), bank accounts (18,000+ institutions worldwide), cryptocurrencies, precious metals, and collectibles. The platform uses artificial intelligence to analyze transaction data and automatically connect transactions to corresponding assets or liabilities.

After consolidating all holdings, Vyzer’s cash flow tools generate forecasts based on scheduled distributions, capital calls, and expenses. Members can anonymously view peers’ portfolios to understand what financial products and funds other investors are holding.

Unlike Personal Capital, Vyzer doesn’t offer active wealth management—it operates as a reporting and analysis tool. However, it requires less effort to add new data, charges a flat monthly fee paid via credit card (rather than from portfolio assets), and tracks more asset classes than competing portfolio analysis software.

A free 30-day trial allows you to evaluate the platform with no commitment.

3. Sharesight – Portfolio Analysis Software for Dividend Investors

Available: Web platform

Sharesight’s award-winning performance and tax reporting platform tracks stocks and exchange-traded funds (ETFs) from 40+ global exchanges. It also monitors 100+ global currencies and alternative investments like fixed-income securities and investment properties.

Sharesight functions as a comprehensive spreadsheet replacement, showing the true performance of all listed holdings across multiple asset classes in one view. You can compare performance to custom benchmarks, assess the impact of capital gains, dividends, and currency fluctuations, and evaluate overall diversification.

Where Sharesight excels is in dividend tracking. The Taxable Income report displays all dividends, distributions, and interest payments over any period—even breaking down local versus foreign income. You can project expected dividend income based on announced payments and track dividend dates without manual searching.

Connecting through your broker or uploading a spreadsheet or trading history, Sharesight integrates with 170+ online brokerages worldwide. A free trial tracks up to 10 holdings; paid packages support full portfolio analysis software functionality. Discounted annual plans are available through their website.

4. Stock Rover – Comprehensive Portfolio Analysis Software with Forecasting

Available via: Desktop, mobile, and tablet

Stock Rover aggregates billions of dollars in client assets through portfolio analysis software that integrates with major brokerages. You can quickly import portfolios securely, enter information manually, or upload spreadsheets. Positions automatically sync nightly and upon login.

The software compares your portfolio performance against the overall market, identifies your top and underperforming positions, and enables customizable reporting (daily, weekly, or monthly). Watchlists alert you when stocks reach target buy/sell prices or trigger other conditions like unusual trading volume, P/E levels, or upcoming earnings announcements.

Stock Rover’s analytical capabilities include volatility, beta, risk-adjusted returns, internal rate of return (IRR), and Sharpe Ratio calculations. The Future Income tool projects monthly dividend income from ETFs, mutual funds, and individual stocks with adjustable inputs.

The Future Portfolio Performance Simulation uses Monte Carlo analysis to test long-term portfolio growth scenarios, including planned withdrawals and retirement probability calculations. The Correlation Analysis tool reveals statistical relationships between asset prices, helping you build less correlated (and therefore less risky) portfolios. A good starting point is seeking assets with correlations below 0.70.

The Portfolio Rebalancing tool identifies drift from your target allocation at sector and individual position levels, suggesting specific trades to restore balance. The Trade Planning tool compares your current portfolio with proposed rebalancing scenarios.

5. Morningstar Portfolio Manager – Asset Allocation Visualization

Available via: Desktop

Morningstar’s portfolio analysis software includes the Instant X-Ray tool, a leading platform for evaluating asset allocation and sector weightings. It displays your holdings across asset classes (e.g., 80% U.S. stocks, 10% foreign stocks, 8% bonds, 2% alternatives) and shows global geographic breakdowns.

The software identifies concentrated positions where a single security exceeds a significant percentage of your portfolio across 12 sectors. You can examine stock holdings within your mutual funds for complete transparency.

Expense ratio comparison shows how your fund costs compare against similarly weighted hypothetical portfolios, helping you determine if management fees are competitive. Stock statistics display P/E, ROA, and P/B ratios. Morningstar’s Style Box reveals your portfolio diversification and stock classifications (high yield, speculative growth, etc.), helping you verify alignment with your investment style.

6. StockMarketEye – Locally Housed Portfolio Analysis Software

Available via: Desktop, tablet, iOS, and Android
Price: $74.99/year (with free 30-day trial)

StockMarketEye lets you manage all portfolios in one place, organize watchlists, and view price charts. Import directly from brokerages, upload OFX/QIF/CSV files, or enter data manually. You’ll see overall gains/losses compared to your chosen benchmark, revealing whether your 15% gain outperforms a 20% market rise.

Review your entire portfolio or individual investments, comparing performance by metrics including market value, total return, compound annual growth rate (CAGR), internal rate of return (IRR), and time-weighted rate of return (TWERR). Group portfolios, categorize investments, and run various reports:

• Summary reports (portfolio performance and activity over specific periods)
• Transaction reports
• Gain/loss reports
• Total return reports
• Back-in-time reports (portfolio snapshots from past dates)

Watchlist management efficiently tracks hundreds of securities—stocks, ETFs, mutual funds, and currencies—from worldwide exchanges, with some offering real-time data. Built-in alerts notify you of important information, and historical price charts display end-of-day and intraday data (1-day and 5-day) with six style charts and 14 technical indicators.

7. Kubera – Comprehensive Net Worth Tracking with Global Support

Available via: Desktop, Apple iOS, and Android

Kubera represents one of the most advanced portfolio analysis software platforms available. It connects to 20,000+ banks, brokerages, and investment institutions worldwide, supporting stocks from exchanges across the U.S., Canada, U.K., Europe, Asia, Australia, and New Zealand. You can also track bonds, mutual funds, forex, precious metals, cryptocurrencies, NFTs, real estate, automobiles, and even domain names.

The platform displays current holdings’ values and estimated resale values without searching through complicated paperwork. It’s designed for young professionals, homeowners, real estate professionals, and cryptocurrency investors who need consolidated portfolio analysis software.

For international investors, Kubera supports more global currencies than any competing service. Explore the platform risk-free with a 14-day trial, then choose monthly or annual plans.

8. Quicken Premier – All-in-One Money Management and Portfolio Analysis Software

Available via: Desktop, tablet, iOS, and Android

Over three decades, more than 17 million people have trusted Quicken for portfolio analysis and wealth building. Quicken Premier tracks your entire portfolio in one location, connecting to retirement accounts, banks, loans, investments, physical assets (home, vehicles, collectibles), and more.

Portfolio analysis software features include a buy/hold analyzer, target asset allocation tool, buy/sell analyzer, and performance view. You also get access to benchmarks, buy/sell previews, investing activity reports, Morningstar Portfolio X-Ray, and watchlists.

The “what-if” scenario tool lets you model outcomes—for example, calculating long-run capital growth if you accelerated loan payoff and saved on interest. Calculator tools help plan college funds and savings goals. The Lifetime Planner creates a comprehensive roadmap for retirement goals, letting you adjust for income changes, property purchases, and other variables.

Beyond portfolio analysis software functions, Quicken manages your complete finances. Pay bills directly within the platform with no charges, and come tax time, the software tracks estimated capital gains and generates reports maximizing tax benefits.

9. SigFig – Portfolio Analysis Software with Automated Management

SigFig’s Portfolio Tracker syncs external brokerage and retirement accounts to monitor balances. Its portfolio analysis software checks geographic diversification, investment type variety, and fee structures.

SigFig employs robo-advisors to automate much of your investing and rebalancing, making it ideal for hands-off investors. A personalized portfolio based on your risk tolerance is ready in minutes. The service automatically reinvests dividends, rebalances holdings to maintain desired allocations, and identifies tax-saving opportunities.

Portfolio analysis software and automated management services are free for the first $10,000, with a competitive 0.25% management fee for larger accounts. SigFig calculates how much you need to invest to reach specific goals by target dates (house purchase in 7 years, retirement at 67, etc.) and offers free, unlimited financial advisor consultations—an uncommon benefit in automated portfolio analysis software.

10. Mint – Budget Management and Investment Tracking

Available: Web and mobile

To build an investment portfolio, you must first accumulate capital through disciplined saving. Mint’s budgeting tools, used by over 30 million people, help you reach savings goals and allocate more funds to investing.

Sync your bank, financial institutions, retirement accounts, and credit cards to track cash flow and investments. The service automatically categorizes expenses, showing where your money flows. The Bill Negotiation tool, powered by Billshark, negotiates bills on your behalf to reduce expenses.

Mint monitors your credit score 24/7 for free and alerts you of changes, suspicious transactions, budget overages, or ATM fees. Financial calculators (loan repayment, home affordability) help determine what you can afford. Mint’s investment tracker compares your portfolio to market benchmarks, displays asset allocation across all accounts, and identifies unnecessary advisor fees.

Mint is free portfolio analysis software but includes in-app ads.

Selecting the Right Portfolio Analysis Software for Your Situation

The ideal portfolio analysis software depends on your specific goals, investment complexity, and preferred level of involvement. Consider these factors:

• For beginners: Start with free tools like Empower or Mint to understand your portfolio without financial commitment
• For complex holdings: Choose Vyzer if you hold private investments, startups, or real estate alongside traditional securities
• For dividend income: Sharesight specializes in tracking distributions and projecting income
• For hands-off management: SigFig automates rebalancing and portfolio optimization
• For comprehensive wealth tracking: Kubera or Quicken Premier consolidate all assets and liabilities
• For advanced analysis: Stock Rover’s Monte Carlo forecasting and correlation analysis suit experienced investors
• For visualization: Morningstar excels at showing asset allocation and sector weightings
• For local storage: StockMarketEye keeps data on your computer rather than in the cloud

Common Questions About Portfolio Analysis Software

Which portfolio analysis software is best?

The best choice depends on your needs. Top contenders include Empower (free tier), Vyzer (complex portfolios), Stock Rover (advanced analysis), Morningstar (visualization), and SigFig (automation). Each excels in different areas, so your priorities—cost, features, asset types, or management style—determine your ideal match.

How do you analyze a portfolio?

First, consolidate holdings in one place using portfolio analysis software. Then assess key metrics:

• Asset allocation by asset class, geography, and industry
• Fee structure and costs
• Performance versus market benchmarks
• Dividend income and distributions
• Asset correlation

Quality portfolio analysis software automates these calculations, saving time and improving accuracy.

What’s the best way to track your portfolio?

Consolidate all holdings in a single portfolio analysis software platform rather than monitoring multiple brokerages separately. Compare your performance against the overall stock market to understand your true results. Portfolio tracking services make comparative analysis simple and visual.

What is portfolio analysis?

Portfolio analysis is the process of assessing a complete portfolio to evaluate performance, risk level, and improvement opportunities. It always compares results to standard benchmarks and checks diversification, since rapidly growing but undiversified portfolios can decline just as quickly as they grew.

How do you analyze a portfolio?

Gather all portfolio elements in one place using portfolio analysis software. You might hold a 401(k) with target-date funds, a personal brokerage account with stocks and bonds, cryptocurrency in secure wallets, and multiple bank accounts. Portfolio analysis software brings everything together so you can check diversification, risk levels, and necessary adjustments across all holdings simultaneously.

How do you monitor your stock portfolio and asset allocation?

Start by using portfolio analysis software that displays your complete portfolio in one location if holdings span multiple brokerages. Compare current stock prices to your purchase prices and track gains/losses against overall market performance. Your stocks might be up 5% while the market is up 8%—portfolio analysis software reveals this difference immediately.

Dive deeper by comparing individual stock performance to similar stocks in the same industry, and use tracking tools to simplify ongoing monitoring.