Best Of

Best Wealth Management Apps in 2026

Wealth management apps help you see your full financial picture—investments, cash, property, debt—all in one place. We ranked the best options for people who are serious about growing and protecting what they've built.

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  • 5 tools ranked
  • Updated February 2026

How we evaluated

Every ranking uses the same transparent criteria so you can audit the inputs.

Breadth of account and asset type coverageQuality of financial analysis and reportingEstate planning and beneficiary featuresPricing model and total costSecurity and privacy practices

The rankings

Honest pros, cons, and verdicts for every app in the category.

1

Clarity(Our Pick)

$99/year

Best for self-directed investors with mixed traditional and crypto holdings

If you hold both traditional investments and crypto, Clarity gives you the most unified view. Real-time aggregation, AI analysis, and cost basis tracking—all for one flat annual fee.

Pros

  • Pulls in banks, brokerages, crypto exchanges, and DeFi wallets
  • AI assistant answers your wealth allocation questions
  • No AUM fees—just flat annual pricing
  • Cost basis and tax planning built in

Cons

  • No real estate or vehicle tracking yet
  • No financial advisor marketplace
  • Younger platform with less brand recognition
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2

Kubera

$150/year

Best for high-net-worth families with diverse asset types

Kubera covers the widest range of asset types—stocks, crypto, real estate, vehicles, art, you name it. The estate planning features make it especially useful if you're thinking about what happens to your assets down the road.

Pros

  • Tracks the widest range of asset classes
  • Estate planning with beneficiary access
  • Zillow and Redfin integration for real estate values

Cons

  • $150/year is premium pricing
  • No budgeting or spending analysis
  • Limited tax or cost basis features
Clarity vs KuberaVisit Kubera
3

Empower

Free (tracking) / up to 0.89% AUM (advisory)

Best free wealth overview with optional advisory

Empower gives you a free wealth dashboard plus paid advisory if you want it. The Investment Checkup, retirement planner, and fee analyzer are genuinely useful—you just have to put up with the sales calls.

Pros

  • Free wealth dashboard with no paywall
  • Investment Checkup and fee analysis tools
  • Professional advisory available if you want it

Cons

  • The advisory sales team is persistent
  • No crypto or DeFi tracking
  • Advisory fees run up to 0.89% AUM
Clarity vs EmpowerVisit Empower
4

Wealthfront

Free (planning) / 0.25% AUM (investing)

Best for automated wealth building with integrated planning

Wealthfront's Path planner is one of the best free planning tools you'll find. It pulls in your external accounts and models your goals, though it clearly works best if you're already investing with them.

Pros

  • Free Path financial planner
  • Automated investing with tax-loss harvesting
  • Excellent high-yield cash account

Cons

  • Planning tools lean toward Wealthfront products
  • No crypto or DeFi support
  • External account tracking is basic
Visit Wealthfront
5

Betterment

0.25% AUM / $4/mo (basic)

Best for goal-based automated wealth building

Betterment is really an automated investing platform with a net worth view tacked on. The goal-based approach and tax coordination are great if you let them manage your money, but tracking is clearly an afterthought.

Pros

  • Goal-based portfolio management
  • Tax coordination across account types
  • Clean interface with smart automations

Cons

  • Tracking is secondary to managed investing
  • 0.25% AUM fee on all managed assets
  • No crypto or alternative asset tracking
Visit Betterment

Try the workflow we benchmark against

7-day free trial. No credit card required. Connect banks, brokerages, exchanges, and wallets in one place.

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Frequently asked questions

Fact-checked answers pulled from the corresponding category research.

Do I need a wealth management app if I already have a financial advisor?

It's still worth it. Having your own dashboard gives you an independent, real-time view of all your accounts. Even with an advisor, it helps you understand what they're doing with your money and double-check their reporting.

What is the difference between a wealth management app and a robo-advisor?

A wealth management app aggregates and tracks your existing accounts—it doesn't manage your money. A robo-advisor actively invests for you (for a fee). Some tools like Empower and Wealthfront offer both.

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