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CalculatorAI

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 — stocks, ETFs, crypto, indexes, commodities and custom assets in one place.

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CalculatorAI

Portfolio Tracker

AIPro

Stocks, ETFs, crypto, indexes, commodities and custom assets in one tracker — plus cash where needed, all priced or tracked together.

No bank-account linking required, and your data is encrypted and isolated to your account by database-level Row Level Security.

A personal AI portfolio assistant with memory — it knows your holdings, allocation, dividends, cost basis and habits, then surfaces risks and next moves a generic chatbot would miss.

Benchmark vs the S&P 500, XIRR, dividend forecast, sector breakdown, realized/unrealized P&L and a Pro Portfolio Recovery workspace.

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 every asset type you actually own — stocks, ETFs, crypto, indexes, commodities, cash and custom “other” assets — and if you trust it with your numbers.
CalculatorAI’s Portfolio Tracker keeps every asset type 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 a personal AI portfolio assistant with memory. Its Portfolio Recovery workspace also works out what would actually have to happen to get back to break-even — including which single position could close the whole gap on its own — without pretending to predict prices.

AI copilot in action

A personal portfolio assistant with memory

This is not a generic chatbot bolted onto a spreadsheet. It studies your holdings, allocation, dividends, cost basis, asset types and past decisions, remembers context between sessions, and turns that memory into specific risk, rebalancing and opportunity notes.

What the copilot did

01

Read live holdings, allocation, cost basis, asset types and recent performance.

02

Found hidden concentration risk and separated real strength from one-position luck.

03

Kept the pattern in memory so future questions start from your actual behavior, not a blank chat.

CalculatorAI Copilot

Portfolio AI

Live
Be honest: what am I missing in this portfolio, and what should I fix first?
Your return is strong this month (+4.2%), but the hidden risk is concentration: SOL is 18% after a −12% move, while NVDA is carrying most of the gains. I’d review SOL size first, then rebalance new cash toward underweight indexes and commodities before adding more single-name risk.

Hidden risk

SOL 18%

Strength

NVDA +85.7%

Next move

Rebalance

Next time you ask what to buy or cut, it already remembers your concentration, winners, laggards and risk habits.

Pro workspace

You don’t have to wait for every coin to come back

Break-even is ONE number, and the money can come from anywhere — nothing requires each position to return to its own entry price. Portfolio Recovery works out what actually has to happen, from your live value and known cost basis. No forecasts, no signals, just your numbers.

Who can carry it back alone

For every position: the return it would need on its own to close the entire gap. Often a large, quietly-down holding needs +60% while the one that fell hardest would need +900% — and the tool says plainly when nothing is within reach.

One model, three questions

When do I break even? How much a month would it take? What annual return would it require? The last one is the honest inversion of a forecast: it never claims what markets will do, only what they would have to do.

Where the gap actually lives

Positions ranked by the MONEY they are short, not the percentage they lost — a coin down 80% holding $200 is a rounding error next to one down 15% holding $40,000. Plus the exact return each position needs to reach its own break-even.

Break-even requirement

+203%

33/100

Recovery score

Invested

$82,465

Current

$27,225

Gap

$55,240

Every rate is a number you type. At an assumed 0% the tool states that the dollar gap can never close, instead of inventing a date — contributions lower the return required, but only growth closes the gap.

Explore Portfolio Recovery

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.

Every holding, allocation and gain in one view

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.

CalculatorAI

Portfolio Tracker

Empower

Personal Capital

Pricing

Free with limits + Pro $14.99/mo

Full Pro free for 30 days

Free

Monetizes via wealth-management sales calls

30-day free Pro trial

Full Pro for 30 days

No credit card required

Free product

But US-only, account linking required

Asset coverage

Stocks, ETFs, crypto, indexes, commodities + custom assets

All major asset types plus cash in one portfolio

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

Personal AI portfolio assistant

Memory + personalized risk reads

Knows holdings, allocation, cost basis, dividends, asset types and habits over time

No personal AI memory

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)

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Where CalculatorAI wins

  • Free to start — full Pro for 30 days, no credit card. After that, Pro is $14.99/mo or free with limits (up to 10 holdings).
  • Stocks, ETFs, crypto, indexes, commodities and custom assets in one tracker — plus cash where needed, all priced or tracked together.
  • 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 portfolio assistant with memory — it knows your holdings, allocation, dividends, cost basis and habits, then surfaces risks and next moves a generic chatbot would miss.
  • Benchmark vs the S&P 500, XIRR, dividend forecast, sector breakdown, realized/unrealized P&L and a Pro Portfolio Recovery workspace.
  • 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; 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.
FAQ

Frequently asked questions

Everything you need to know about investment assets, net worth curves, portfolio tracking, and privacy.

01Is 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.
02Can I track crypto and stocks in one place?
Yes — that’s the point. Stocks, ETFs, crypto, indexes, commodities, cash and custom “other” assets live in one portfolio with live prices, one allocation view and one performance number.
03Do 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.
04Is 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.
05What does the AI assistant actually do?
Ask “what am I missing?”, “where is my risk hiding?”, “what should I rebalance first?” or “what changed since last month?” — it reads live holdings, remembers context, explains patterns, compares against benchmarks and gives specific portfolio actions in plain language.
06What is Portfolio Recovery?
Portfolio Recovery is a mathematical Pro workspace built from your current value and known cost basis. It shows a 0–100 recovery score, the dollar and percentage gap to break-even, and — because break-even is one number that can be closed from anywhere — the return each position would need on its own to close the entire gap. One month-by-month model answers three questions: when you break even at your own assumptions, how much a month it would take, and what annual return would be required. It does not predict future prices or provide an investment recommendation.
07Do I have to pay for a portfolio tracker?
No. You can track holdings, see allocation and performance, and export forever for free. Pro ($14.99/mo or $119/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.

Open the Portfolio Tracker

Guides

How-to guides that use this tool

All 6 guides
InvestingHow to Calculate Your Net Worth (and Track It Every Month)8 min readInvestingHow to Calculate Capital Gains Tax (US Stock & Crypto)8 min readInvestingPortfolio Diversification: How to Measure Yours (and Actually Improve It)7 min read

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