SaaS lives in the browser with bigger tables and exports; apps live in your pocket with alerts. Neither is better. The right one depends on how you behave, and most people lie to themselves about that.
- Rebalance twice a year with four funds? Skip the SaaS; a subscription pays for features you never open - SaaS earns its keep for tinkerers managing family portfolios, spreadsheet lovers, multi-account households - Judge on unsexy criteria: data sources, update frequency, real holdings-based overlap, clean export, easy cancel - Fresh data beats a beautiful dashboard every time - Most individuals: phone app for monitoring, web for research, and the money saved compounds
For the research half, Overlap ($4.99 one-time) is the web database: 108 ETFs, fees and overlap, one screen.