SEC-registered investment adviser

Advanced Portfolio Tracker
and AI Investment Advisor

Free tracking and flat-fee advice for independent investors managing $100K to 8 figures.

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Download on theApp StoreGET IT ONGoogle Play

Average of 800+ App Store and Google Play ratings as of November 2026. Reviews are from app users, who may or may not be advisory clients.

“really nice design, was able to add many crypto accounts”
App Store · August 2026
“It’s like the dev team are in my head - every time I find a limitation that I don’t like, it seems like it’s fixed within a couple of weeks. ETF x-ray is just the latest example”
App Store · November 2026
“helps you get a better look at your portfolio”
Google Play · August 2026

All Investments in One Place

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8FIGURES app screens: net worth with portfolio, retirement and kids education goals, an asset list across cash, real estate, stocks and crypto, and an allocation ring by asset class

Every asset class

Stocks, ETFs, crypto, real estate, bonds, cash, mutual funds, private companies and funds.

Advanced metrics

Go beyond the balance: dividends, coupons, home equity and an X‑Ray of what your funds hold.

IRR for every position

See the internal rate of return on each holding, the measure professional investors use.

Need a Free Empower Alternative?

We’ve got you covered with a well‑designed mobile app, stable account connections, and accurate portfolio data. Enjoy advanced portfolio tracking for free, with no sales calls.

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Financial Freedom

Track your net worth to achieve your financial goals.

Meet Your Personal
AI Investment Team

Get investment advice for a flat fee,
not a % of your assets.

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Broker AI

Brokers profit when you trade more, not when you invest better.

8FIGURES

Recommends action when it truly benefits your complete portfolio.

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Human Advisors

Advisors charge a % of AUM and upsell high-fee products.

8FIGURES

Charges a flat monthly subscription at a fraction of advisors' fees.

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Generic AI

Generic AI tells you what you want to hear, even when it's wrong.

8FIGURES

AI agents challenge each other and you for better decisions.

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Robo-Advisors

Robo-advisors build generic portfolios from their own funds.

8FIGURES

Builds diverse portfolios tailored to you, not from an in-house menu.

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Influencers

Influencers chase hype and get paid by platforms and sponsors.

8FIGURES

Paid only by you and works only for you, not sponsors.

Try it now!

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Is it safe to use?
  • 8FIGURES is read-only, which means we can’t move your money
  • We never see credentials of your connected accounts
  • Your data is encrypted and stored on AWS servers
  • No ads, no sales calls, we don’t sell your data
  • You can delete your account and data at any time
Learn more

FAQ

How much does 8FIGURES cost?

The 8FIGURES tracker is free, with no limits on accounts or portfolio size. AI investment advice is optional for a flat $30 a month, not a percentage of your assets.

How does 8FIGURES make money?

Investors who want AI investment advice pay a flat $30 a month subscription. The app has no ads, no one will call you to sell you anything, and we never sell your data.

Is it safe to link my accounts?

Account connections are read-only: 8FIGURES can’t place trades, move money or hold your assets. You link accounts through Plaid and other trusted providers, so we never see your login credentials. Your data is encrypted. Prefer not to link an account? Add positions manually instead – the prices and cash flow will still update automatically, but the position quantities will need to be updated manually in this case. Learn more

What can I track?

8FIGURES tracks stocks, ETFs, mutual funds, bonds, crypto, real estate, cash and debts, in multiple currencies. You can also track startup equity and SAFEs, stakes in VC and PE funds, and RSUs, options and ESPP shares. Link US banks and brokerages, many UK and EU banks, and crypto exchanges and wallets, or add assets by hand.

What is IRR and why it's important?

IRR is an annualized rate of return (like APY for a bank deposit) that shows how your investments really performed: against the index, against expectations, and against each other. It’s the most important investment performance metric used by professional investors. 8FIGURES calculates your IRR for each position, counting entry date and cash flows (dividends, coupons), including multi-currency support.

Why use 8FIGURES instead of a spreadsheet?

A spreadsheet works if you keep it up to date; 8FIGURES does the upkeep for you. Linked accounts refresh daily, prices update in real time, and currencies convert automatically. It calculates IRR, pulls dividends for each position, and shows your allocation by asset class, sector, and country, with no formulas to maintain. You can export your data anytime, so you can keep your spreadsheet too for any specific analysis.

How does the AI investment advice work, and what are its limits?

5 specialized AI agents work from your goals, investor profile, and holdings, plus market data. They proactively monitor your portfolio and deliver daily insights. You can ask questions anytime. No person reviews each answer, and AI can make mistakes, so check what matters. It isn’t tax or legal advice, and every decision is yours: 8FIGURES can’t trade or move your money.

How is 8FIGURES different from ChatGPT?

ChatGPT is a general-purpose assistant that often responds in ways that cater to what users want to hear. 8FIGURES is built specifically for investors. Its AI works from your goals, risk tolerance, and the holdings you link or add, including private investments. It knows your financial history and has access to specialized market databases. 8FIGURES is an SEC-registered investment adviser. Registration does not imply a certain level of skill or training.

Can AI replace a human financial advisor?

AI can do part of a human advisor’s job, but not all of it. 8FIGURES handles the analytical side: reviewing your accounts together, spotting concentration and answering questions about your portfolio at any hour, for a flat fee. A human advisor may suit you better if you need tax or estate planning, or want a person to talk to before big decisions. You can also use 8FIGURES as a second opinion alongside an advisor.

Is paying 1% for a financial advisor worth it?

Whether 1% is worth it depends on what you need from an advisor. A 1% annual fee is $5,000 a year on a $500,000 portfolio. In 30 years, that 1% compounds and eats up more than a third of your portfolio's value. However, an advisor may offer services 8FIGURES doesn’t, such as tax filing, estate planning, or someone to call when markets fall. If you make your own decisions and want analysis and a second opinion, 8FIGURES AI Investment Team is a flat $30 a month.

Blog

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Short-Term vs Long-Term Capital Gains: How Each Is Taxed

Understand the differences between short-term and long-term capital gains taxes. Learn the IRS holding periods, netting rules, and high-earner surcharges.

November 9, 2026
8
min read
Portfolio Allocations
The U.S. Treasury Building in Washington, D.C. at sunrise with commuters walking along Pennsylvania Avenue.

Best Short-Term Investments for Idle Cash: A 2026 Decision Guide

Compare HYSAs, CDs, Treasury Bills, and Money Market Funds. Analyze structural, tax, and liquidity tradeoffs to optimize your short-term cash strategy.

November 6, 2026
8
min read
Financial Freedom
An editorial 3D illustration of a federal building, a suspension bridge, and corporate skyscrapers along a river at blue hour.

Best Bond ETFs for 2026: Strategic Fixed-Income Allocation Guide

Compare the top bond ETFs for 2026 across core aggregate, short-term Treasury, high-yield, and municipal categories. Evaluate yields, expense ratios, and structural risks.

November 5, 2026
10
min read
Bonds
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