Pricing
Free with limits + Pro $9.99/mo
Full Pro free for 30 days
Free
Monetizes via wealth-management sales calls
Comparison
The Best Free Portfolio Tracker in 2026
An honest, side-by-side comparison of CalculatorAI’s Portfolio Tracker against Empower, Sharesight, CoinStats and a DIY spreadsheet — crypto and stocks in one place, wins and gaps both visible.
CalculatorAI
Portfolio Tracker
AIPro
Crypto and stocks/ETFs in one tracker — coins, tokens, equities, funds and cash together, all live-priced.
No bank-account linking required, and your data is encrypted and isolated to your account by database-level Row Level Security.
A personal AI copilot that knows your portfolio — allocation, dividends, benchmark — and answers “how am I doing?” in plain language.
Benchmark vs the S&P 500, XIRR, dividend forecast, sector breakdown and a realized/unrealized split.
EmpowerSharesightCoinStats
Most portfolio trackers make you choose: crypto-only apps like CoinStats, stock-only tools like Sharesight, or net-worth aggregators like Empower that require linking your bank accounts and are US-only. A tracker is only useful if it holds everything you actually own — and if you trust it with your numbers.
CalculatorAI’s Portfolio Tracker keeps crypto and stocks in one view, is free to use with 30 days of full Pro and no credit card, syncs read-only from Binance and EVM wallets, and adds an AI copilot that reads your holdings and answers “how am I doing?” in plain language. Below is the honest breakdown — where we win, and where the others still lead.
AI copilot in action
Ask how you’re doing. It reads your whole portfolio.
The assistant is not a generic chatbot bolted onto a spreadsheet. It knows your holdings, allocation, dividends and cost basis, remembers context, and answers in plain language.
What the copilot did
01
Read your live holdings, allocation and cost basis.
02
Compared your return to the S&P 500 and flagged a concentration risk.
03
Forecast next month’s dividends and kept the context for your next question.
CalculatorAI Copilot
Portfolio AI
How’s my portfolio doing this month, and what’s dragging it down?
You’re up 4.2% this month, ahead of the S&P 500’s +1.8%. Your biggest drag is SOL (−12%), now 18% of the portfolio — above your usual ~10%. Next month’s forecast dividends: about $214.
This month
+4.2%
vs S&P 500
+1.8%
Top drag
SOL −12%
Next time you ask “am I too concentrated?”, it already knows SOL is 18%.
Live product preview
Every holding, allocation and gain in one view
Net worth, allocation donut, per-asset P&L, dividend forecast and a benchmark curve stay in one clean dashboard.
Comparison
How we stack up
Honest comparison of CalculatorAI Portfolio Tracker vs Empower (Personal Capital), Sharesight, CoinStats and a DIY spreadsheet. Wins and gaps both visible.
Feature
This is us
CalculatorAI
Portfolio Tracker
Empower
Personal Capital
Sharesight
stocks & tax
CoinStats
crypto
Excel / Sheets
DIY
Pricing
Free with limits + Pro $9.99/mo
Full Pro free for 30 days
Free
Monetizes via wealth-management sales calls
Free ≤ 10 holdings
Then $15 – $49 / month
Free tier + Pro $13.99/mo
Crypto-focused
~Free / one-time
DIY templates
30-day free Pro trial
Full Pro for 30 days
No credit card required
Free product
But US-only, account linking required
Free tier / trial
Card required for paid
Free tier
Pro is paid
N/A
You build it
Asset coverage
Crypto + stocks/ETFs in one
Coins · tokens · stocks · ETFs · cash
Stocks, funds, bank, real estate
No crypto wallets
Stocks, ETFs, funds
No crypto wallets
Crypto-first
Limited stocks
Any (DIY)
You build it
Exchange & wallet sync
Read-only Binance + EVM wallets
Paste an address, balances appear
US bank/broker linking
No crypto wallets
Broker imports
Many brokers, no wallets
Exchanges + wallets
Crypto only
Manual entry only
AI that knows your portfolio
Ask “how am I doing?”
Knows holdings, allocation, dividends
No
No
Basic AI insights
No
Benchmark · XIRR · dividend forecast
All three
S&P 500 benchmark, XIRR, dividend forecast
Benchmark + fee analyzer
No dividend forecast
Best-in-class dividends & tax
Their core strength
Crypto P&L
If you build it
Privacy — no bank linking required
No bank linking needed
Read-only keys · data isolated to you
Requires linking accounts
US-only · sells advisory
Broker connection optional
Wallet / exchange connect
Fully local
But no live data
One subscription = whole platform
Portfolio + journal + calculators + docs
One Pro unlocks everything
Single-purpose
Single-purpose
Single-purpose
Single-purpose
Data export
Free CSV export
Any tier, always
Limited export
Export on paid tiers
Export on Pro
It's your file
Languages & mobile
10 languages · responsive web
No install
English · native app (US)
English · web + app
Native app
Crypto-first
—
CalculatorAI
Portfolio Tracker
Empower
Personal Capital
30-day free Pro trial
Full Pro for 30 days
No credit card required
Free product
But US-only, account linking required
Asset coverage
Crypto + stocks/ETFs in one
Coins · tokens · stocks · ETFs · cash
Stocks, funds, bank, real estate
No crypto wallets
Exchange & wallet sync
Read-only Binance + EVM wallets
Paste an address, balances appear
US bank/broker linking
No crypto wallets
AI that knows your portfolio
Ask “how am I doing?”
Knows holdings, allocation, dividends
No
Benchmark · XIRR · dividend forecast
All three
S&P 500 benchmark, XIRR, dividend forecast
Benchmark + fee analyzer
No dividend forecast
Privacy — no bank linking required
No bank linking needed
Read-only keys · data isolated to you
Requires linking accounts
US-only · sells advisory
One subscription = whole platform
Portfolio + journal + calculators + docs
One Pro unlocks everything
Single-purpose
Data export
Free CSV export
Any tier, always
Limited export
Languages & mobile
10 languages · responsive web
No install
English · native app (US)
Where CalculatorAI wins
- Free to start — full Pro for 30 days, no credit card. After that, Pro is $9.99/mo or free with limits (up to 10 holdings).
- Crypto and stocks/ETFs in one tracker — coins, tokens, equities, funds and cash together, all live-priced.
- Read-only crypto sync — connect Binance or paste an EVM wallet address and balances appear; the keys can’t trade or withdraw.
- A personal AI copilot that knows your portfolio — allocation, dividends, benchmark — and answers “how am I doing?” in plain language.
- Benchmark vs the S&P 500, XIRR, dividend forecast, sector breakdown and a realized/unrealized split.
- No bank-account linking required, and your data is encrypted and isolated to your account by database-level Row Level Security.
- One Pro unlocks everything site-wide — portfolio + trading journal + calculators + invoices + documents.
- Free CSV export on any tier, a 10-language interface, and a fully responsive mobile web app (no install).
Where the others still lead (honest gaps)
- No full net-worth aggregation yet — Empower and Kubera also pull in bank accounts and real estate. Our focus is your investments (crypto + stocks); a net-worth / FIRE view is on the roadmap.
- Sharesight has deeper dividend and tax reporting for stock investors — that’s their core strength. We cover dividends and performance, but not full multi-country tax packs.
- No native iOS/Android app — the tracker is a responsive web app instead. Great in a phone browser, but not in the app stores.
Frequently asked questions
Is there a genuinely free portfolio tracker?
Yes — CalculatorAI’s Portfolio Tracker is free to use, and every new account gets 30 days of full Pro with no credit card. You can track up to 10 holdings free forever and export your data anytime.
Can I track crypto and stocks in one place?
Yes — that’s the point. Coins, tokens, stocks, ETFs and cash live in one portfolio with live prices, one allocation view and one performance number. Most trackers are either crypto-only or stock-only.
Do I have to link my bank account?
No. Unlike Empower / Personal Capital, we don’t require linking bank accounts. Add holdings manually, by CSV, or connect a read-only exchange key or wallet address that cannot move funds.
Is my portfolio data private and secure?
Yes. Your data is encrypted, isolated to your account by database-level Row Level Security, never sold, and never used to train AI. Connected exchange keys are read-only and encrypted. See our Data Security page for the full detail.
What does the AI assistant actually do?
Ask it “how am I doing this month?”, “am I too concentrated?”, or “what dividends are coming?” — it reads your live holdings, answers in plain language, compares you to a benchmark, and remembers context between questions.
Do I have to pay for a portfolio tracker?
No. You can track holdings, see allocation and performance, and export forever for free. Pro ($9.99/mo or $79/yr) lifts limits and unlocks the AI plus the rest of the platform, but you can seriously track a portfolio without paying.
Start your free portfolio tracker
No credit card, no download — add a holding, connect a wallet, and ask the AI how you’re doing. Full Pro is free for 30 days.