Mint Is Gone, Empower Is Changing: Where to Track Your Portfolio Now

If you're struggling to track your investments after Mint's shutdown and Empower's shift to a sales-heavy model, you're not alone. Mint stopped operating in early 2024, leaving millions without its once-popular financial tracking features. Empower, while still functional, now focuses on promoting its wealth management services, often pushing users toward paid advisory options. For investors looking for modern tools, Mezzi has emerged as a subscription-based alternative offering detailed portfolio management, tax optimization, and AI-driven insights without percentage-based fees.

Key Takeaways:

• Mint: Once a leading free financial tracker, it shut down in 2024. It offered basic investment tracking but lacked depth in analytics and tax features.
• Empower: Provides free tools for account aggregation and investment insights but aggressively markets paid advisory services, which charge up to 0.89% of assets under management.
• Mezzi: A newer option with AI-powered tools, offering features like tax-loss harvesting, AI-powered rebalancing, and exposure analysis for a flat annual fee ($299–$499).

Quick Overview:

• Mint is no longer available.
• Empower’s free tools are useful but come with frequent upselling.
• Mezzi offers advanced tools and insights for a fixed cost, avoiding percentage-based fees.

If you're tired of outdated tools or sales-driven platforms, Mezzi may be worth exploring for a more modern and cost-effective investment tracking solution.

4 BEST Portfolio Trackers for 2026

1. Mint

For 17 years, Mint was a widely used tool for free, automated financial tracking. It officially shut down on January 1, 2024, leaving behind a legacy of helping around 20 million users manage their finances in one place. Mint allowed users to link bank accounts, credit cards, loans, and investments into a single, unified dashboard. As Rob Berger, author and founder of robberger.com, explained:

"Mint was the first personal finance app to aggregate a user's accounts all in one place. While that's commonplace today, it was unprecedented 15 years ago".

Account Aggregation

What set Mint apart was its ability to bring all financial accounts together, offering users a complete financial snapshot. Transactions were automatically downloaded and categorized, while net worth was updated without any manual effort. Many users appreciated Mint’s long-term data storage, which allowed them to analyze spending habits and track their net worth over decades.

Portfolio Analysis Tools

Although Mint was a powerhouse for budgeting, its investment tracking tools were fairly basic. Users could view account balances and simple asset allocation charts, but it lacked the depth needed for serious investment management. Alexander Harmsen, CEO of PortfolioPilot (see how it compares to Mezzi), summed it up well:

"Mint was built for budgeting, not investing. It helped track cash flow, but offered little in terms of portfolio analytics or tax planning".

Tax Optimization Insights

One of Mint's glaring shortcomings was its lack of tax-related features. Despite being owned by Intuit, the company behind TurboTax, Mint didn’t integrate with TurboTax or offer tools for tax-loss harvesting or asset location strategies. This left users without options to simplify tax deductions or optimize their investments for tax efficiency, a missed opportunity that frustrated many.

Pricing and Value

Mint’s biggest draw was its price - it was free, with no subscriptions or hidden fees. Instead, the platform made money through ads and financial product recommendations, such as credit card offers and loan refinancing deals. However, this meant Intuit used users’ spending data to serve targeted ads. While the free model attracted millions, users often dealt with frequent account connection issues and constant upselling.

Mint’s limitations in advanced investment tracking left a gap in the market, paving the way for today’s tools to offer more robust solutions, as we’ll see in the sections ahead.

2. Empower

After Mint's closure, many users shifted to Empower (formerly known as Personal Capital). While Empower offers a robust set of features, its focus has gradually shifted from comprehensive financial tracking to generating leads for its wealth management services. The platform provides a free dashboard that connects to thousands of financial institutions, allowing users to aggregate data from bank accounts, credit cards, investments, loans, and even alternative assets like cryptocurrency and real estate. Balances and transactions sync automatically, giving users a real-time view of their net worth.

Account Aggregation

Empower stands out for its ability to consolidate diverse accounts into a single view. It supports tracking cryptocurrencies like Bitcoin and Ethereum across various exchanges without requiring wallet passwords, integrates home value data from services such as Zillow, and allows manual entry for accounts that can't be linked automatically. However, some users experience connectivity problems with specific institutions, and occasional bank security alerts can delay updates. These issues highlight the challenges of seamless account aggregation and set the stage for examining Empower's investment tools.

Portfolio Analysis Tools

Empower provides a range of tools to monitor and analyze investments. Features include insights into asset allocation, performance tracking, fee analysis, and portfolio recommendations. Tools like the Net Worth Calculator, Retirement Calculator, and cash flow analysis go beyond what Mint previously offered. Users can filter accounts for detailed analysis - such as separating business expenses from investment income - and access features like an emergency fund planner (recommending three to six months of liquid savings) and a debt paydown planner for loans and credit cards. However, Empower's rebalancing options are limited, and its breakdown of mutual funds and ETFs lacks detailed stock and bond data.

Tax Optimization Insights

Unlike some robo-advisors that provide automated tax-loss harvesting and other advanced tax strategies, Empower's free dashboard focuses on basic financial tracking. For more sophisticated tax planning, users must enroll in its paid wealth management services, which charge fees ranging from 0.49% to 0.89% of assets under management (AUM).

Pricing and Value

Empower’s core dashboard is free, offering strong tools for net worth and investment tracking. Free features like the Investment Checkup and Retirement Planner add value to the platform. However, the frequent upselling of paid services can be a drawback for users who prefer a DIY approach to financial management. Additionally, Empower’s budgeting tools are less effective, often receiving a B- rating or lower, making them a weaker alternative to the expense management features Mint once provided. These shortcomings highlight demand for new, AI-driven financial tools that address these gaps.

3. Mezzi

Mezzi steps into the gap left by outdated tools, offering modern, AI-powered solutions tailored for independent investors. As an SEC-registered investment adviser, it uses a subscription model instead of charging a percentage of assets under management. The platform integrates with major U.S. brokerages like Charles Schwab and Interactive Brokers through tools like SnapTrade, allowing for automatic nightly syncs and manual refreshes. For accounts that can't sync automatically, Mezzi supports CSV file imports from over 50 brokers.

Account Aggregation

Mezzi uses trusted aggregators like Plaid and Finicity (Mastercard) to securely connect to thousands of financial institutions. This read-only access lets users view all their accounts - 401(k)s, brokerage accounts, Roth IRAs, and taxable accounts - in one place, either combined or separately. By consolidating your financial landscape, including stocks, bonds, ETFs, options, crypto, and bank accounts, Mezzi may eliminate the need for manual spreadsheets.

One standout feature is the X-Ray tool, which identifies hidden stock exposures within ETFs and mutual funds. This helps users uncover overlapping holdings they might not even know exist. As Shuping, Founder of Summer AI, puts it:

"Mezzi's X-Ray feature allowed me to uncover exposure to stocks I didn't realize I had."

With this detailed data at its core, Mezzi turns numbers into actionable strategies.

Portfolio Analysis Tools

Once your data is aggregated, Mezzi's advanced analysis tools take over to enhance your portfolio management. These tools provide information on asset allocation, rebalancing, and contribution strategies, including information on Roth and mega backdoor strategies. Tim, CEO of Somnee, shared his experience:

"I loved chatting with the AI to make important changes to my portfolio. I haven't found another wealth app like Mezzi."

As markets fluctuate or your personal circumstances shift, Mezzi’s automated updates help your portfolio remain aligned with your goals.

Tax Optimization Insights

Tax optimization is a key feature of Mezzi’s platform. It offers detailed U.S. capital gains tax reports, dividend tracking, and forecasting tools across multiple jurisdictions. Mezzi calculates cost basis, flags tax-loss harvesting opportunities, monitors wash sale risks, and provides rebalancing advice to minimize tax liability.

For instance, saving around $10,221 on capital gains taxes through these tools could grow into a larger amount over 30 years if reinvested.

Pricing and Value

Mezzi keeps its pricing straightforward. The Core plan, priced at $299 per year, includes features like unlimited AI chat, 24/7 monitoring, the X-Ray tool, tax optimization, and returns analysis. The Plus plan, at $499 per year, adds advanced AI research and concierge support via video, phone, and email.

Unlike traditional advisors who charge 0.49%–0.89% of assets under management (AUM) - which can amount to thousands annually on a $1 million portfolio - Mezzi’s fixed subscription model does not charge percentage-based fees. Skipping a 1% AUM fee may result in significant savings over time. Andre, author of FAANG Fire, highlighted Mezzi’s edge:

"This is the only one with deeply integrated AI and the team is shipping updates quickly."

Pros and Cons

Each platform approaches portfolio tracking differently, so the best choice depends on what matters most to you.

Mint was known for its strong account aggregation across banks, credit cards, and investments. However, its portfolio analysis tools were quite basic, and it lacked in-depth tax insights. While Mint was free (supported by ads), it has since been discontinued.

Empower offers powerful investment tracking features, including asset allocation analysis, detailed fee breakdowns, and retirement planning backed by Monte Carlo simulations. It supports connections to most U.S. brokerages and even includes alternative investments. The basic tracking tools are free, but users often mention receiving sales calls and being offered advisory services with fees ranging from 0.49% to 0.89% of assets under management. On the downside, Empower does not provide advanced analytics like bond yield-to-maturity calculations or options metrics.

Mezzi, on the other hand, takes a different approach by combining AI-driven portfolio analysis with detailed tax optimization tools. It consolidates all your accounts - 401(k)s, brokerage accounts, Roth IRAs, taxable accounts, crypto, and bank accounts - through secure, read-only integrations with Plaid and Finicity. Mezzi’s X-Ray tool reveals exposures and provides information such as capital gains reporting, tax-loss harvesting software guidance, wash sale risk tracking across multiple accounts, and rebalancing suggestions to help manage tax liability. Unlike traditional advisors who charge a percentage of assets under management, Mezzi uses a fixed subscription pricing model: $299 per year for the Core plan or $499 per year for the Plus plan. This gives users access to insights commonly associated with advisors, without percentage-based fees.

Conclusion

Mezzi steps in to address the gaps left by outdated platforms like Mint and the evolving Empower, offering a fresh approach to portfolio tracking. While Empower's free dashboard might suffice for those with simple portfolios and a tolerance for occasional sales calls, it falls short for investors seeking deeper insights and modern tools. Mezzi, on the other hand, caters to independent investors who want professional-level guidance without the burden of percentage-based advisory fees.

With secure, read-only integrations, Mezzi provides a comprehensive view of your financial landscape. Its X-Ray tool pinpoints overlapping exposures in ETFs and mutual funds, while its AI-driven features identify AI-driven tax-loss harvesting opportunities, monitor wash sale risks, and suggest rebalancing strategies to help reduce tax liabilities. Unlike traditional advisors who only focus on the assets they manage, Mezzi delivers insights across your entire portfolio.

The pricing is simple and transparent: $299 per year for the Core plan or $499 per year for the Plus plan. These flat fees provide access to advanced tools and advisor-level insights, making it ideal for those managing complex portfolios involving bonds, options, or crypto - or anyone who values control without the pressure of sales-driven advisory services.

Mezzi provides tools and information to help you take charge of your investments, serving as a solution for investors seeking to avoid advisory fees while maintaining control over their financial management.

FAQs

How do I move my Mint data to Mezzi?

To move your Mint data to Mezzi, you can either manually input your account details or upload documents for AI-assisted data extraction. Here's how to do it:

• Log in: Access Mezzi through the website or app.
• Navigate to accounts: Head to Profile and select "Add or edit accounts."
• Choose your method: Either enter your account details manually or upload PDF/CSV files for automated processing.
• Verify and repeat: Double-check the information and repeat the process for each account to bring everything together in one place.

This way, you can consolidate your portfolio seamlessly.

Which brokerages and accounts can Mezzi sync with?

Mezzi connects effortlessly with numerous brokerages and financial institutions, including big names like Schwab, Chase, Fidelity, E*TRADE, Vanguard, and Interactive Brokers. To keep things secure and hassle-free, it relies on trusted tools like Plaid and Finicity for integration.

Is Mezzi worth it vs paying an AUM advisory fee?

Mezzi charges a flat annual fee between $199 and $499, offering a much more budget-friendly alternative to traditional advisory fees, which usually fall between 0.49% and 2% of assets under management (AUM). Its AI-driven tools deliver advanced capabilities, including tax optimization and portfolio management. With fixed pricing, Mezzi is an option for investors seeking efficient and cost-effective solutions.

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