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All your money, one clear view

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Best Wealth Management Apps in 2026

Wealth management apps help you see your complete financial picture — investments, cash, property, and debt — in one place. We ranked the best options for people serious about growing and protecting their wealth.

Updated February 2026

How We Evaluated

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

1

Clarity(Our Pick)

$99/year

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

Clarity is the most unified wealth management view for investors who span TradFi and crypto. Real-time aggregation, AI analysis, and cost basis tracking in one subscription.

Pros

  • Aggregates banks, brokerages, crypto exchanges, and DeFi wallets
  • AI assistant answers wealth allocation questions
  • No AUM fees — 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
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, and more. The estate planning features make it a standout for high-net-worth families.

Pros

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

Cons

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

Empower

Free (tracking) / 0.49-0.89% AUM (advisory)

Best free wealth overview with optional advisory

Empower offers free wealth tracking plus paid advisory services. The Investment Checkup, retirement planner, and fee analyzer are excellent — if you can tolerate the sales calls.

Pros

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

Cons

  • Persistent advisory sales team
  • No crypto or DeFi tracking
  • Advisory fees are high (0.49-0.89% AUM)
Visit Empower
4

Wealthfront

Free (planning) / 0.25% AUM (investing)

Best for automated wealth building with integrated planning

Wealthfront's Path financial planner is one of the best free planning tools available. It aggregates external accounts and models goals, though it works best for Wealthfront account holders.

Pros

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

Cons

  • Planning tools biased 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 provides goal-based automated investing with tax coordination across accounts. The external account sync adds a net worth view, but it is secondary to the investing product.

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

Want to try Clarity?

14-day free trial. Banks + crypto in one dashboard.

Frequently Asked Questions

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

Yes. A wealth management app gives you an independent, real-time view of all your accounts. Even with an advisor, having your own dashboard helps you understand what they're doing with your money and verify 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 without managing your money. A robo-advisor actively manages investments for you (for a fee). Some tools like Empower and Wealthfront offer both.

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