Update (August 2026): Two of the tools in this comparison have changed since it was first published. Personal Capital was fully rebranded as Empower in February 2023 (and in late 2025 its standalone dashboard app was merged into the main Empower app), and Quicken — no longer owned by Intuit — now sells its desktop products under the Quicken Classic name. We’ve updated this comparison accordingly.
That’s it. You’re finally ready.
You’re ready to choose the best money management, investment tracking, and budgeting apps to pull off your financial plans.
After you read just one. more. article.
This one.
At the end of this blog post about the top money management platforms on the market today, you’ll know the key features of each tool and be prepared to choose the best combo of solutions for your needs.
Let the Breakdown Begin: Quicken, Empower, and More
Ready to build a diverse investment portfolio, consider white-glove wealth management services, set achievable savings goals, and otherwise improve your financial life?
Then get to reading. Because by the time you’re done with this article, you’ll have the info you need to choose the just-right solutions for your financial situation.
Kubera: Asset and Investment Tracking for Modern, Diverse Investors
About Kubera
If you’ve been searching for the right portfolio tracker for so long that you’re starting to wonder if you can just do without, don’t give up!
While it might seem like just another account you have to keep track of, it’s so much more than that.
With the right asset and investment tracking tool, you’ll finally be able to build a portfolio diversification strategy that keeps your wealth not just stable but growing in today’s bear market conditions.
A portfolio tracker is also the best way to see patterns in your finances over time — which means you can plan for future trends and set realistic financial goals that align with your expenses and habits. In addition to tracking patterns, the right software also provides the ability to track net worth, which is a single number by which you can keep an eye on your financial health and how it changes (ideally in an upward trajectory) over time.
Kubera is the only all-in-one personal balance sheet that enables users to track everything from traditional financial accounts to stocks, major Fiat currencies, domains, real estate, vehicles, collectibles, metals, DeFi coins and assets, crypto portfolios, NFT value, and more! Check out just some of the banks, crypto exchanges, and other accounts Kubera supports.
In addition to Kubera’s integrations with cutting-edge aggregators that make it easy to connect with and automatically update various financial accounts, our platform also includes tickers to help users track individual stocks and crypto coins.
To monitor other key assets, Kubera’s partnerships with asset experts like Zillow and EstiBot can keep track of the real-time market value of real estate investments, web domains, and beyond.
And there’s no need to worry about how you’re going to keep track of all your different financial accounts if you move around a lot or if they started out in different currencies. With Kubera, you can create multiple dashboards if you want to monitor assets in different currencies. Or, you can take advantage of the currency conversion feature to automatically view the converted value of your accounts in your preferred currency.
Want to know what kinds of returns you’re getting from all those assets you’re tracking?
This is another place where Kubera really shines.
Kubera can automatically find the IRR for investments — that’s internal rate of return — as long as you provide the current value, original price, and any details about cash flow in and out.
Kubera even displays IRR in your preferred currency, along with benchmarks from leading indices and stocks. This viewpoint enables you to make informed decisions when deciding whether to sell or hold assets.
In addition, Kubera’s beneficiary management feature provides a safe space to store important estate planning resources — like wills, trusts, passwords, and more. Name a trusted beneficiary to receive access to these resources as well as the rest of your portfolio when you’re no longer able to care for them yourself.
And because we know you want to see all the hard work you’ve put into your portfolio, you can keep an eye on your asset allocation and net worth growth on a daily, weekly, monthly, and even yearly basis using Kubera’s detailed recap view that crunches all your data for you.
Try Kubera Today
The ease of use doesn’t stop at the financial monitoring and management features, it extends to Kubera’s payment plan.
Charging a single, affordable price is how we stay in business without selling your data, incorporating ads, or pushing annoying upsells. Or, use Kubera when your financial advisor or wealth manager adopts our white-label solution!
Bottom Line: Kubera is an all-in-one portfolio tracker that’s ideal for modern HNWIs who need to monitor and manage a diverse and changing array of accounts and assets.
Quicken: Budgeting, Bill Pay, and Business Management Dashboard
About Quicken
Quicken, which began life at Intuit before being spun off in 2016, is a well-known and trusted provider of financial software for home & business.
On the portfolio tracking front, Quicken users can monitor and manage traditional financial properties including credit cards, bank accounts, retirement accounts, and investment accounts.
In addition to traditional account tracking, Quicken’s personal finance software enables users to build their own budgets, categorize and track spending, view account balances, and manage online bill payment thanks to integrations with thousands of different billers.
Another distinctive feature is Quicken’s portal where users can manage rental properties and many of the financial details that accompany them.
And of course, most readers won’t be surprised to learn that Quicken even has a plan for users who want to manage business and personal finances side by side.
Speaking of plans, Quicken users can choose between several subscription tiers — now sold under the Quicken Classic name — and plans come with a money-back guarantee if users aren’t satisfied within 30 days of signing up.
Bottom Line: Quicken is a good fit for investors who are interested in financial lifestyle management tools like budgeting, rental and small business management, and beyond.
Empower (Formerly Personal Capital): Hands-On Retirement Planning and More for Wealthy Investors
About Empower
Another recognized tool in the finance space is Empower, the wealth management platform formerly known as Personal Capital.
Empower offers a “free” tier where users can connect and track bank, investment, retirement, and credit card accounts; loans; and even crypto exchanges.
And what can users do with all this financial information? Empower has several free tools, including a net worth calculator, a cash flow view, a simple budgeting tool, robo-advisors that provide investment checkups, a fee analyzer that susses out hidden fees, a savings and retirement planner, and more.
And there are plenty more features included when you pay for Empower, most of which revolve around different levels of hands-on wealth advice and management from Empower’s financial advisors.
The paid tiers open up to users once they reach $100K+ in tracked assets and the fees start at .89% of the value of assets under management (AUM).
While Empower certainly has some powerful features, we feel it’s important to address the elephant in the room and the reason we put the word free in quotation marks above.
Is Empower free?
No, because the free version actually comes at a cost. One is the endless upselling calls that some users have reported receiving for years. Another is the fact that Empower uses your information to market to you other financial services in which they think you’ll be interested.
Knowing this, we recommend Empower only for informed investors who have a lot of assets to track and actually want the white-glove service their professionals provide.
Bottom Line: Empower may have free services, but its best features are designed for the wealthy who want hands-on investment management from professional advisors.
YNAB: A Budgeting App That Puts Users in Control of Their Cash
About YNAB
YNAB, short for You Need a Budget, is budgeting software with the goal of enabling its users to get their finances in check and finally gain control over their money.
It strives to do this by helping every user live by a simple set of financial rules: Assign every dollar a job, accept your real expenses, be flexible, and age your money so you’re only spending dollars that have been in your account for at least a month.
And it seems to be working, as their website claims new budgeters who use their tool save over $6,000 in the first year alone!
What started as a simple ideology has evolved into a full-fledged personal budget platform with a web app, mobile app, and even a smart speaker app. And what does this platform provide? Things like connectivity to many financial institutions, spending categorization, smart reporting and charts, goal setting and tracking, and the unique benefit of a robust community and learning resources.
After a free trial, YNAB customers can sign up for a plan for $14.99/month or $98.99/year, as of this writing.
Bottom Line: YNAB is simple yet powerful personal budget software fitting for folks who need something that will help them wrangle their spending habits and reach their goals.
What Money Management Software Will You Choose?
Hopefully the above breakdowns gave you some clarity on what each leading money management tool has to offer.
Ready to get started with one?
