Portfolio Tracker USA — Fidelity + Vanguard + Schwab + Property in One View
The average American investor has a 401(k) at Fidelity, a Roth IRA at Vanguard, a brokerage at Schwab, and home equity that exists nowhere digitally. Three logins, three portals, no unified view. Richify is the free cross-custodian portfolio tracker that fixes this — no bank linking required.
Quick Answer
Richify is the best free portfolio tracker for Americans in 2026. It tracks 401(k), Roth IRA, HSA, taxable brokerage, investment property, and crypto across all custodians in one place. AI-powered. No bank linking. Free.
The 3 Portfolio Gaps Every American Has
Stocks → Fidelity, Vanguard, or Schwab
Each custodian shows only its own accounts. A Fidelity customer can't see their Vanguard Roth or their Schwab brokerage in the same view.
Real estate → Zillow (not in your portfolio)
Your biggest asset — home equity — isn't tracked anywhere alongside your investments. It lives in a spreadsheet or your memory.
Retirement → Multiple portals
Your 401(k) is at whoever your employer chose (Fidelity, Empower, Vanguard). Your Roth is somewhere else. No single portal shows both.
Richify = all three, in one place, in USD.
What Richify Tracks
Portfolio Tracker Comparison — USA 2026
| App | Stocks/ETF | 401k/Roth | Property | Crypto | Free |
|---|---|---|---|---|---|
| Richify | ✓ | ✓ | ✓ | ✓ | ✓ |
| Empower | ✓ | ✓ | ✗ | ✗ | ✓ |
| Copilot | ✓ | ✓ | ✗ | ✗ | ✗ |
| Monarch Money | ✓ | ✓ | ✗ | ✗ | ✗ |
| M1 Finance | ✓ | ✗ | ✗ | ✗ | ✓ |
| Sharesight | ✓ | ✗ | ✗ | ✗ | ✗ |
Empower free for tracking; advisory 0.89% AUM. Copilot $13/mo. Monarch $15/mo. Sharesight free tier limited to 10 holdings.
Track your full portfolio with Richify
Free on iOS & Android. Every custodian, every asset class — in one place. No bank linking.
Frequently Asked Questions
What is the best free portfolio tracker for Americans in 2026?▼
Richify is the best free portfolio tracker for Americans in 2026. It aggregates 401(k), Roth IRA, Traditional IRA, HSA, taxable brokerage, and investment property into a single cross-custodian view. Unlike Empower (which requires Plaid bank-linking and upsells a 0.89% AUM advisory service) or Copilot ($13/month), Richify is free and requires no bank credentials.
Why do I need a portfolio tracker if I use Fidelity, Vanguard, or Schwab?▼
Each custodian only shows you what they hold. Your Fidelity account shows your 401(k) and any Fidelity brokerage accounts. Your Vanguard account shows your Roth IRA. Your Schwab account shows your taxable brokerage. None of them show your investment property equity, crypto, or the accounts held at other custodians. A portfolio tracker like Richify brings all of it into one cross-custodian view.
What's the difference between a portfolio tracker and a net worth tracker?▼
A portfolio tracker focuses on your investment portfolio — stocks, bonds, ETFs, 401k, Roth IRA, brokerage accounts. A net worth tracker is broader: it includes your investment portfolio plus your home equity, car value, student loan balance, credit card debt, and any other assets or liabilities. Richify does both — it tracks your investment portfolio and rolls it up into your complete net worth.
Can I track my 401k and Roth IRA in the same portfolio tracker?▼
Yes. Richify lets you add your 401(k), Traditional IRA, Roth IRA, Rollover IRA, and SEP-IRA in one place. You see your total retirement balance, the split between pre-tax and Roth money, and how your retirement portfolio compares to the Fed SCF median for your age group.
Does a portfolio tracker need to connect to my brokerage account?▼
Not with Richify. Most portfolio trackers (Empower, Copilot, Monarch) require connecting your Fidelity, Vanguard, or Schwab accounts via Plaid. Richify is manual-entry — you open your brokerage app, check your balance, and type it in. You give up automatic syncing; you gain the assurance that no Plaid data breach can expose your brokerage login.
For educational purposes only. Not financial advice.