Phone apps that flash green and red answer a different question than this page is about. Serious tracking is a job with a spec: both return methodologies computed and labeled, dividends recorded and projected, risk measured against a benchmark, fees surfaced in dollars, and all of it across every account you hold. Five tools do parts of that job well; they overlap less than you would guess.
$29–$79/mo billed annually · 14-day card-free trial. Link your brokerages and Stock Rover maintains a daily, dividend-adjusted record across accounts, then reports on it like an institution would report to a client: the Portfolio Performance Report covers IRR and time-weighted return side by side, risk vs the S&P 500, income received and projected by month, fee drag in dollars, and what actually drove the result. Because the tracker lives inside a research platform, the next decision (screening up to 800+ metrics, 20-year fundamentals, fund reports on 7,400 ETFs and 20,000 mutual funds at the Ultimate tier) happens in the same tool.
The Portfolio Performance Report on a four-portfolio demo account.
Free (10 holdings); $84–$279/yr. A meticulous investment ledger: automatic dividends and corporate actions, 60+ exchanges, multi-currency returns decomposed into capital, income and FX, plus accountant sharing. For portfolios that span countries, it is the standard.
Free. The household picture: every bank, brokerage, card and 401(k) in one net-worth view, an allocation x-ray, the well-known fund Fee Analyzer, and a Monte Carlo retirement planner. As a free complement to a real tracker, it is excellent.
Free tier; $79.99–$249.99/yr. Income calendars, dividend-growth charts and diversification views that make a dividend portfolio a pleasure to watch, with broad broker aggregation including European accounts.
$250/yr (Black tier for complex multi-entity wealth: $2,500). A personal balance sheet more than a portfolio tracker: global banks and brokers plus crypto, DeFi, real estate, collectibles and LP stakes, with estate-handover features. For complex wealth spread across asset classes, nothing else covers as much.
| Capability | Stock Rover | Sharesight | Empower | Snowball | Kubera |
|---|---|---|---|---|---|
| IRR (money-weighted) | ✓ | ✓ | Undocumented | Not documented | ✗ |
| Time-weighted return | ✓ | ✗ | Undocumented | Benchmark charts | ✗ |
| Dividend forecast | ✓ | ✓ (3 yr, Standard+) | ✗ | ✓ | ✗ |
| Risk vs benchmark | ✓ | Drawdown report | You Index | Sharpe, benchmarks | ✗ |
| Fund fee analytics | ✓ | ✗ | ✓ | ✗ | ✗ |
| Research & screening | ✓ | ✗ | ✗ | Minimal | ✗ |
| Banks, cards, net worth | ✗ | ✗ | ✓ | ✗ | ✓ |
| Tax reporting | Realized gains | AU/CA CGT; US on average cost | ✗ | ✗ | Rough estimate |
| Annual cost | $348–$948 | $0–$279 | $0 | $0–$250 | $250–$2,500 |
Two checks make performance numbers mean something. First, benchmark correctly: compare your time-weighted return to an index, and your money-weighted return to your own goals; mixing them flatters or punishes you for cash-flow timing that the index never experienced. Second, know what moves together: a portfolio of ten stocks that all track the same factor is one bet wearing ten tickers. Stock Rover’s portfolio analytics cover both: risk measured against the S&P 500, and a correlation view showing how your holdings move relative to each other.
The practical answer for many investors is two tools: Empower free for the household (net worth, retirement planning) plus Stock Rover for the investing (research, screening, performance truth). Sharesight earns its seat when significant non-US holdings enter the picture, and Snowball when the dividend dashboard itself is the daily pleasure you pay for.
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Disclosure: Stock Rover publishes this page. Competitor pricing verified August 26, 2026 against each vendor’s published plans. See also: all comparisons · the Portfolio Performance Report · Best Dividend Stock Screener.
