Empower Personal Capital has been a popular tool for portfolio tracking, but many users are seeking alternatives due to its sales-driven model and functional limitations. If you're tired of sales calls, high advisory fees, and outdated features, here are five alternative options for portfolio analysis in 2026:
- Mezzi: Offers AI-driven tax strategies, portfolio insights, and fiduciary-level guidance without requiring asset transfers. Pricing starts at $299/year.
- Vyzer: Ideal for investors with diverse assets like real estate and private equity. Features include document AI processing and cash flow modeling. Starts at $145/month.
- AllInvestView: Covers global assets with advanced analytics for stocks, bonds, options, and more. Pricing starts at $5.99/month.
- Monarch Money: Combines budgeting and investment tracking with AI tools for household finances. Costs $99.99/year.
- Sharesight: Focused on global portfolios, it offers in-depth tax reporting and performance tracking. Pricing starts at $7.00/month.
Each platform addresses Empower's shortcomings by providing enhanced privacy, actionable insights, and no upselling. Choose the one that fits your financial goals and asset types.
Quick Comparison
| Platform | Best For | Starting Price | Unique Features |
|---|---|---|---|
| Mezzi | Tax optimization, AI insights | $299/year | Wash sale tracking, goal planning, X-Ray tool |
| Vyzer | Diverse asset tracking | $145/month | Private equity, real estate, "Magic Box" AI |
| AllInvestView | Global portfolios | $5.99/month | Advanced analytics, 50+ currencies, tax tools |
| Monarch Money | Budgeting + investments | $99.99/year | AI Assistant, household finance management |
| Sharesight | Global investors, tax reporting | $7.00/month | Dividend tracking, ETF overlap analysis |
These tools provide a modern approach to portfolio management without the hassle of sales pitches or hidden fees.
Empower Personal Capital Alternatives Comparison Chart 2026
6 Best Net Worth Tracking Apps of 2026 (Tested & Reviewed)
1. Mezzi
Mezzi offers independent investors fiduciary-level guidance without the constraints of traditional fee structures. As an SEC-registered investment advisor, Mezzi provides read-only access to your accounts via Plaid and Finicity (by Mastercard). This means you maintain full control of your assets - no transfers required.
Pricing and Plans
Mezzi operates on a clear annual membership model with three pricing tiers:
- Core Plan: $299/year. Includes unlimited AI chat, 24/7 portfolio monitoring, the X-Ray overlap tool, tax optimization insights, and returns analysis.
- Plus Plan: $499/year. Adds advanced AI features, enhanced research tools, early access to updates, and concierge support via video, phone, and email.
- White Glove Plan: $1,499/year. Offers personalized AI coaching through video calls, along with unlimited support from the Mezzi team.
These plans are designed to provide a range of services tailored to different levels of need, all aimed at helping you optimize your portfolio.
AI-Driven Insights
Mezzi uses advanced AI reasoning models from OpenAI and Google to analyze your portfolio across all connected accounts. One standout feature is the X-Ray tool, which identifies hidden exposure to individual stocks within ETFs and mutual funds. This helps uncover overlaps that might otherwise go unnoticed.
Shuping, Founder of Summer AI, shared:
"Mezzi's X-Ray feature allowed me to uncover exposure to stocks I didn't realize I had".
Tim, CEO of Somnee, also praised the platform:
"I love the AI insights and the simplicity of the UX. There is just enough info and I loved chatting with the AI to make important changes to my portfolio".
In addition to portfolio analysis, Mezzi offers dynamic goal planning. This feature adjusts your retirement timeline automatically, accounting for market fluctuations and life changes. On top of that, Mezzi provides tools to refine your tax strategy.
Tax Optimization Features
Mezzi’s tax tools are designed to help you make smarter financial decisions. The platform tracks your portfolio daily to identify tax-loss harvesting opportunities before market dips eliminate them. It also monitors 30-day wash sale windows to keep you compliant with IRS regulations.
Another standout feature is its ability to track holding periods for your investments. Mezzi notifies you when a position transitions from short-term to long-term capital gains status. As Mezzi explains:
"Sell a stock at 11 months and you pay your ordinary income tax rate. Wait one more month and you pay the long-term rate - often half as much".
For a $1,000,000 portfolio, these tax insights may result in significant tax savings over time. Over 30 years, reinvesting these savings could increase potential portfolio growth.
Account Aggregation and Asset Coverage
To maximize these benefits, Mezzi aggregates data from all your financial accounts, including 401(k)s, brokerage accounts, Roth IRAs, and taxable accounts. This unified view helps identify wash sale risks, optimize asset location, and determine whether Roth, Traditional, or taxable contributions are best for your tax situation.
For accurate insights, Mezzi requires a comprehensive look at both your assets and liabilities. New users begin with a quick 5-minute onboarding call with the founder to ensure the platform meets their specific financial needs.
2. Vyzer
Vyzer caters to investors with a mix of asset types, including private equity, real estate syndications, venture capital, and more - extending well beyond traditional stocks and bonds. Instead of relying solely on automated account connections, Vyzer uses AI to extract data from physical documents like K-1s and financial statements through its innovative "Magic Box" feature.
Pricing and Plans
Vyzer offers four subscription tiers, with a 20% discount available for annual billing:
- Starter (Free): Basic portfolio tracking, support for up to two entities, and limited AI document processing.
- Plus ($145/month): Adds planning scenarios, customized reporting, and expanded VIP Sync capabilities.
- Premium ($375/month): Includes advanced document processing, role-based permissions, and support for more complex portfolios.
- Elite ($795/month): Unlocks unlimited features along with dedicated support.
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Vyzer supports tracking over $20 billion in assets and connects to more than 20,000 U.S. financial institutions. Its pricing structure reflects the depth of its AI tools, which aim to simplify the management of intricate investment portfolios.
AI-Driven Insights
Vyzer stands out with its AI-powered tools, which address challenges that traditional platforms like Empower might struggle with. The AI doesn’t just categorize data - it offers a conversational interface where users can query details like IRR or cash flows. The "Magic Box" feature processes uploaded documents and organizes holdings within 48 hours.
Brian S., a Director at a Multi-Family Office, shared his experience:
"Vyzer helps us manage multiple entities and client portfolios with a level of clarity we didn't think was possible. Role-based access and automated updates have replaced hours of manual work."
The platform also offers predictive cash flow modeling, simulating transactions to help users evaluate liquidity impacts.
Account Aggregation and Asset Coverage
Vyzer integrates data from various sources, including brokerage accounts, retirement plans, bank accounts, and alternative assets like real estate syndications, private debt, precious metals, collectibles, and cryptocurrencies (BTC and ETH). It organizes holdings by legal entities - such as LLCs, trusts, or IRAs - giving users a clearer view of complex ownership structures beyond just a net worth summary.
For institutions lacking direct API support, Vyzer’s VIP Sync ensures automated data retrieval. All account connections are read-only, using secure platforms like Plaid and Akoya, so funds remain immovable, and login credentials are protected.
3. AllInvestView
AllInvestView combines global reach with professional analytics, making it a versatile tool for investors with diverse portfolios. The platform monitors over 200,000 assets from 80+ global exchanges, covering stocks, bonds, ETFs, options (complete with real-time Greeks), cryptocurrencies, real estate, and even custom assets like collectibles. It also supports 14 tax jurisdictions and 50+ currencies, catering to those managing international investments.
Pricing and Plans
AllInvestView uses a straightforward subscription model instead of charging percentage-based fees. Here's what they offer:
- Free Plan ($0/month): Includes 10 holdings, 1 portfolio, and access to the AI Assistant.
- Starter Plan ($5.99/month, billed annually): Adds brokerage sync, supports 25 holdings, and allows up to 2 portfolios.
- Advanced Plan ($8.49/month, billed annually): Unlocks unlimited tracking for equities, bonds, and real estate across 15 portfolios.
- Pro Plan ($16.42/month, billed annually): Offers unlimited features, including priority support.
- Lifetime Deal: A one-time payment option to eliminate recurring fees.
This tiered structure provides flexibility for both casual and serious investors.
AI-Driven Insights
The platform’s AI Assistant simplifies portfolio management by answering detailed questions about performance and risk, minimizing the need for manual analysis. Its Magic Import tool, powered by GPT-4, automatically maps CSV columns from any broker, saving users the hassle of manual data entry. According to AllInvestView, the average equity investor underperforms the S&P 500 by 3.7% annually - a gap the platform aims to address through its data-driven insights. Additional features include automated asset categorization and personalized risk alerts, making portfolio management more efficient.
Tax Optimization Features
AllInvestView offers AI tax optimization tools across 14 jurisdictions, including the U.S., UK, Canada, Australia, and several EU countries. It supports various cost-basis methods like FIFO, LIFO, Average Cost, and Specific ID. Other tax-related features include wash sale detection, loss carry-forward tracking, and progressive tax bracket configurations, making it a solid choice for tax-conscious investors.
Account Aggregation and Asset Coverage
The platform connects securely to over 50 brokers, including Interactive Brokers, Charles Schwab, DEGIRO, Fidelity, and Trading 212, using read-only SnapTrade integration. For bond investors, it provides advanced analytics like yield-to-maturity, duration, convexity, and bond laddering. Options traders gain access to real-time Greeks (Delta, Gamma, Theta, Vega) and Black-Scholes valuations. All connections are safeguarded with 256-bit SSL encryption, ensuring secure, read-only access without enabling trades through the platform.
4. Monarch Money
Monarch Money stands out by blending investment tracking with household budgeting, offering a more comprehensive approach to financial management compared to Empower. The platform connects with over 13,000 financial institutions through multiple trusted data aggregators, giving users the flexibility to switch providers manually if syncing issues arise.
Pricing and Plans
Monarch keeps things simple with a flat fee of $99.99 per year or $14.99 per month. Unlike platforms that charge asset-based fees, Monarch adopts a privacy-focused model - no selling user data, no ads, and no sales calls. A 7-day free trial is available, along with free access for partners or advisors. This straightforward pricing approach complements its advanced AI-powered features.
AI-Driven Insights
In 2026, Monarch embraced AI to enhance financial insights. Its conversational AI Assistant can answer questions about spending trends, cash flow, and investments. The AI categorization has an estimated 90% accuracy rate right out of the box and flags notable changes in net worth or spending habits. Features like the Weekly Recap summarize your financial activity, while the assistant can use optional household details, such as tax status and dependents, to provide more tailored insights. For example, family finance coach Andy Hill used Monarch’s AI Assistant to analyze Costco spending and discovered that upgrading to an Executive Membership wouldn’t pay off, saving his family $65 annually.
These AI-driven tools make it easier to stay on top of your finances while ensuring seamless data integration throughout your accounts.
Account Aggregation and Asset Coverage
Monarch excels in account aggregation, covering a wide range of assets, including bank accounts, credit cards, loans, investments, real estate, vehicles, crypto, and even collectibles. Users have praised its reliable multi-aggregator sync system, reflected in a 4.9/5 rating on the App Store from over 90,000 reviews. The Shared Views feature is particularly helpful for couples, allowing them to label accounts as "Yours", "Mine", or "Ours" to simplify household money management.
While Monarch shines in budgeting and net worth tracking, it doesn’t offer the investment fee analysis tools or retirement modeling tools found in Empower. This makes it an ideal choice for proactive household budgeting rather than in-depth portfolio optimization.
5. Sharesight
Sharesight is tailored for DIY investors juggling global portfolios, offering in-depth performance analytics and robust tax reporting. Since its launch in 2007, the platform has supported over 500,000 investors across 100+ countries, tracking more than 750,000 securities listed on 60+ exchanges [47, 49]. Its focus on detailed investment tracking makes it a go-to choice for those managing international portfolios.
Pricing and Plans
Sharesight keeps things simple with a tiered subscription system, starting with a free plan. The Free plan supports 1 portfolio with up to 10 holdings. For $7.00/month (billed annually), the Starter plan increases the limit to 30 holdings. Serious investors might prefer the Standard plan, priced at $18.00/month, which offers 4 portfolios with unlimited holdings and integrates with Xero accounting. The Premium plan costs $23.25/month and expands to 10 portfolios, adding multi-period reporting and priority support [47, 48]. Unlike some free platforms that push advisory services, Sharesight’s paid model focuses solely on its tax loss harvesting software and reporting features, making it ideal for investors who value transparency.
Tax Optimization Features
Sharesight stands out for its tax preparation tools, which include reports that automatically calculate capital gains, taxable income, and unrealized gains. The Taxable Income Report categorizes dividends and distributions by local and foreign sources, while the Sold Securities Report uses average cost base calculations to determine realized gains or losses [56, 57]. For investors looking to minimize taxes, the Unrealized Capital Gains Report identifies tax-loss harvesting opportunities by highlighting investments that have decreased in value but remain unsold. Users can set tax residencies for over 100 countries and customize tax years, catering especially to investors in Australia, Canada, and New Zealand who rely on CGT reporting [49, 50]. As one Trustpilot reviewer shared:
"Sharesight makes all the tedious tasks of managing an equities portfolio extremely easy. Dividends are automatically inserted. All the reports required for taxation purposes are readily available".
Account Aggregation and Asset Coverage
Sharesight connects with over 200 brokers, including Charles Schwab, Robinhood, and Interactive Brokers. Beyond stocks and ETFs, the platform tracks cryptocurrencies, real estate, and even unlisted investments like art through its Custom Investment feature. One standout tool is the ETF X-Ray, which analyzes ETF holdings to reveal overlap and concentration risks. Prashant Mohan, Sharesight’s Chief Marketing Officer, highlighted this feature:
"Sharesight is the only portfolio tracker that can show your exposure to specific sectors, countries, or even companies inside your ETFs".
For income-focused investors, the Future Income Report projects dividend income up to three years ahead using historical growth rates, helping users plan their cash flow. Sharesight’s commitment to user satisfaction and security is reflected in its 4.0/5 Trustpilot rating from 541 reviews and its SOC 2 Type 1 certification [47, 49].
Pros and Cons
Here's a quick comparison of the strengths and weaknesses of each platform:
| Platform | Strengths | Weaknesses |
|---|---|---|
| Mezzi | AI-driven tax deduction identification for high earners; fiduciary advice without traditional 1% AUM fees; read-only account access to avoid transfers; detects wash sale risks across accounts | Limited portfolio analysis compared to full-service financial dashboards |
| Monarch Money | ChatGPT-style AI assistant for conversational queries on spending and net worth; uses multiple data aggregators with manual swap options; tracks subscriptions, potentially saving $200–$300 monthly | Doesn't offer AI-driven investment advice or trade suggestions; mainly focuses on budgeting |
| Sharesight | Advanced tax reporting with capital gains calculations; ETF overlap tool highlights concentration risks; supports multiple currencies | Restricted to investment tracking; lacks integration with bank or credit card data; some assets may need manual entry |
Each platform is designed to meet different financial needs and priorities.
For high earners, Mezzi identifies tax-saving opportunities and addresses wash sale risks across multiple accounts. It also suggests asset allocation strategies for Roth, Traditional, and taxable accounts. Meanwhile, Sharesight offers robust tools for global investors, including advanced tax reporting and multi-currency features, making it ideal for those managing international portfolios. Monarch Money, on the other hand, focuses on budgeting and financial tracking, offering a clear overview of spending and net worth with its AI-powered assistant.
One major advantage of subscription-based tools like Mezzi and Monarch Money is their commitment to user privacy. Unlike free dashboards that often serve as lead-generation tools once linked assets hit a certain threshold, these platforms do not sell your data or push advisory services.
Additionally, tools like Sharesight's Unrealized Capital Gains Report can help investors identify opportunities for tax-loss harvesting before the year ends. Similarly, Mezzi’s AI capabilities assist in navigating tax strategies and portfolio allocation, making it a valuable resource for those looking to optimize their financial planning.
Ultimately, selecting the right platform depends on your specific investment goals and tax needs.
Conclusion
In today’s financial world, the best portfolio analysis tools combine cutting-edge AI with clear, upfront pricing. Mezzi focuses on helping high earners save on taxes across Roth, Traditional, and taxable accounts. Meanwhile, AllInvestView offers advanced traders institutional-level analytics, such as real-time Greeks and yield-to-maturity calculations, for managing options, bonds, and multi-broker portfolios.
For household budgeting, Monarch Money provides Shared Views, allowing partners to manage joint and separate accounts seamlessly for $99.99 per year. Sharesight caters to international investors by automatically logging dividends and calculating capital gains across over 40 global exchanges. On the other hand, Vyzer supports high-net-worth individuals by tracking private equity, real estate syndications, and alternative assets alongside traditional investments for $99 per month. Together, these tools showcase the growing trend of subscription-based financial technology.
This shift reflects a preference for straightforward pricing and user-focused features. Platforms like Mezzi and Monarch Money stand out by avoiding data sales or upselling wealth management services, addressing common frustrations with traditional advisors.
If you’re managing multiple accounts and want proactive tax strategies without traditional AUM fees, Mezzi offers actionable portfolio insights. For those with complex portfolios spanning stocks, bonds, options, and crypto across various brokers, AllInvestView delivers powerful analytics at a lower cost than traditional solutions. Monarch Money, on the other hand, shines in household budgeting and net worth tracking.
Ultimately, the key is finding a tool that aligns with your financial goals and strategy. Whether it's optimizing taxes, managing a diverse portfolio, or simplifying household finances, there’s a solution tailored to your needs.
FAQs
Which tool is best for tax optimization across multiple accounts?
Mezzi provides AI-powered tools for tax-loss harvesting, real-time tax insights, and multi-account synchronization. Features include wash sale tracking, tax-saving strategies, and thorough account management for investors seeking to improve tax efficiency across varied portfolios.
Do these platforms need read-only access, or will I have to move my assets?
Most platforms, such as Empower, Monarch Money, and Mezzi, operate using read-only access to your accounts for portfolio analysis. This setup allows you to securely connect your accounts through an API or bank linkage without needing to transfer your assets.
Platforms that include active management or trading features might need broader access, but for basic portfolio tracking, read-only access usually does the job.
Which option works best for tracking private equity and real estate investments?
Specialized portfolio management software is designed specifically to manage the complexities of private equity and real estate investments. These tools excel at handling details such as commitments, capital calls, distributions, and valuations, providing a centralized way to oversee these asset classes effectively. While general trackers like Mezzi or Empower are tailored more toward traditional assets, dedicated software is designed for more detailed management of private equity and real estate portfolios.
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