Comparing Multi-Custodian Portfolio Tools (2026)
Comparing Multi-Custodian Portfolio Tools (2026)
If you hold accounts at more than one firm, you have already noticed that every custodian shows you a complete and confident picture of the part it holds, and none of them shows you the whole thing.
The tools built to fix that fall into two camps that barely overlap, and most comparison articles treat them as one category. They are not. Choosing badly here usually means buying a beautifully designed answer to a question you did not have.
All prices below were checked against each vendor's own page on August 18, 2026. This category reprices frequently, so verify before buying.
The two camps
Net worth trackers aggregate accounts and tell you what you own and what it is worth. They generally cover bank accounts, credit cards, loans, real estate and investments in one view. They are strong on breadth and weak on depth: you will see that you hold 340 shares of something, and nothing about what happened to it this week.
Research terminals go deep on securities. Screeners, fundamentals, charts, filings, estimates. They are strong on depth and mostly blind to you: they do not know what you own, so nothing they show you is filtered to your actual positions.
The gap between the two is the interesting part, and it is where most people's real questions live. What am I actually concentrated in, counting what is inside my funds. What can I harvest today without triggering a wash sale in another account. Which of my positions report earnings next week. What changed about the reasons I bought these.
Verified pricing
| Tool | Price (checked 2026-08-18) | Camp |
|---|---|---|
| Empower free dashboard | Free. Advisory service starts at a $100,000 minimum; fee not published on the page | Net worth tracker |
| Quicken Simplifi | $3.99/mo introductory, $6.99/mo regular, billed annually | Net worth tracker |
| Copilot Money | $95/year, or $7.92/mo billed yearly. Free trial | Net worth tracker |
| Kubera | $250/year Essentials, $2,500/year Black. 14-day free trial | Net worth tracker, alternatives-heavy |
| Monarch | 7-day free trial, 30% off first year advertised. Price not published on the pages I could retrieve | Net worth tracker, budgeting-first |
| Helm | $240/year, $20/mo flat | Intelligence layer |
What each one is actually for
Empower is the default because it is free and has been around the longest. The dashboard genuinely works and the net worth tracking is solid. Understand the business model: the free tool is client acquisition for a wealth management service with a $100,000 minimum, and their advisory fee is disclosed in their Form ADV rather than on the marketing page. If you are above that threshold, expect contact. That is not a criticism, it is the deal.
Quicken Simplifi is the cheapest credible option and is built around budgeting and cash flow. It does track investments, including cost basis and performance. If your primary question is where the money is going rather than what the portfolio is doing, this is the most money-efficient answer in the table.
Copilot Money is the design-led choice, iOS-first, with genuinely good categorization. Investment tracking is present and improving. Best fit for someone who wants their whole financial life in one well-made app and treats the portfolio as one section of it.
Kubera is the outlier and the most interesting for larger balance sheets. It is built for people whose wealth is not only in brokerages: private stock, LP positions with capital calls and IRR, real estate, vehicles, physical assets, multi-currency holdings, crypto and DeFi. Nothing else in the table takes alternatives seriously. The $250 a year is the highest tracker price here, and the $2,500 Black tier tells you who the top of the market is. If a large share of your net worth is illiquid or exotic, this is the one that fits.
Monarch is budgeting-first with strong shared-household features, and it does connect investment accounts. Their pricing did not render on the pages I could retrieve, so I am not going to state a number I have not verified.
Helm is not a tracker and is not a terminal. It connects brokerages read-only through Plaid and then works the holdings: concentration including look-through into what your ETFs actually hold, harvestable tax losses lot by lot with wash-sale windows screened across every connected account at once, earnings dates on the positions you own, and filings and news read against the reasons you hold them. Findings quote the source sentence with a date on it rather than summarizing. It runs every market day whether you open it or not.
How to choose
If you want to know where your money goes, buy a budgeting tool. Simplifi is the cheapest credible one, Copilot is the nicest, Monarch is the best for a shared household.
If most of your wealth is not in brokerages, Kubera. Nothing else in this list handles LP positions, private stock and physical assets properly.
If you just want a free number, Empower, with the understanding that the free number has a sales motion attached.
If you already know what you own and want to know what is happening to it, none of the trackers answer that, and neither do the research terminals, because they cannot see your accounts. That gap is the reason Helm exists.
The one number that requires all your accounts
Worth isolating, because it is the clearest case for aggregation and it is usually skipped.
The wash-sale rule is applied per taxpayer across every account you control, and that explicitly includes IRAs. If you harvest a loss in a taxable brokerage while an automatic reinvestment buys the same security in an IRA at a different firm within thirty days either side, the loss is disallowed. Your broker will not warn you, because your broker cannot see the other account.
This makes the harvestable loss figure the one number in personal finance that no single custodian is structurally able to compute correctly, no matter how good their software is. It requires seeing everything at once, which is the entire argument for a multi-custodian tool in the first place.
A note on this comparison
Every price here was read off the vendor's own page on the date at the top. I have left one cell unfilled rather than repeat a figure from a review site, and I have said plainly which camp each tool sits in rather than implying they all do the same job at different prices. Helm is my product, which you should weigh accordingly, and the comparison above is written so you can check every claim in it yourself.
Related Reading
Frequently asked questions
What is the best tool for tracking accounts across multiple custodians?
It depends which of two jobs you need, and most comparison articles conflate them. Net worth trackers such as Empower, Monarch, Copilot Money, Quicken Simplifi and Kubera aggregate accounts and tell you what you own and what it is worth. Research terminals such as Koyfin and Seeking Alpha go deep on securities but cannot see your accounts. The gap between them is where most real questions live: true concentration counting what sits inside your funds, harvestable losses net of wash-sale windows across every account, and whether the reasons behind your positions still hold.
How much do multi-custodian portfolio tools cost?
Checked against each vendor page on August 18, 2026: Empower's dashboard is free, with an advisory service starting at a $100,000 minimum and a fee published only in their Form ADV. Quicken Simplifi is $3.99 a month introductory against $6.99 regular, billed annually. Copilot Money is $95 a year. Kubera is $250 a year for Essentials and $2,500 for Black, with a 14-day trial. Helm is $240 a year flat. Monarch advertises a 7-day trial and Core and Plus tiers, but its figures did not render on any page we could retrieve.
Can a single broker calculate my harvestable tax loss correctly?
No, and this is structural rather than a software shortcoming. The wash-sale rule applies per taxpayer across every account you control, including IRAs. A loss harvested in one firm's taxable account can be disallowed by an automatic reinvestment at a different firm within thirty days either side. Your broker cannot see the other account, so it cannot flag the conflict. That makes the harvestable loss figure the clearest argument for multi-custodian aggregation, because it is simply wrong unless something can see every account at once.
Which tool should I pick if most of my wealth is not in brokerages?
Kubera, at $250 a year. It is the only consumer-tier tool that takes alternatives seriously: private stock, LP positions with capital calls and IRR tracking, real estate, vehicles, physical assets with price feeds, multi-currency holdings, crypto and DeFi including staking and lending. Nothing else in the category attempts that breadth. The tradeoff is depth on the liquid portion, where it will show you what a brokerage account is worth without analyzing what is inside it.
This content is for educational purposes only and does not constitute financial, tax, or investment advice. Consult a licensed professional before making financial decisions. Helm Terminal is not a registered investment advisor.