Empower Personal Dashboard
Empower (formerly Personal Capital)
Free wealth-tracking dashboard inherited from Personal Capital. Strong on net worth, retirement, and investment portfolio analysis; lighter on transactional budgeting.
Last updated: May 3, 2026
Best for
- Investors who want consolidated net worth and portfolio analysis
- Users replacing Mint who care more about wealth tracking than envelope budgeting
- People who already have brokerage accounts they want to aggregate
Not ideal for
- Strict envelope or zero-based budgeters
- Users who don't want a wealth-management firm holding aggregate financial data
- Users who want to avoid sales outreach from advisors
Pricing
$0/month · $0/year
The Personal Dashboard tools (net worth, retirement planner, budgeting & cash flow, portfolio analysis) are free. Empower's separate advisory services charge an asset-based fee starting at $100,000+ (Personal Strategy) or $1,000,000+ (Empower Private Client) — these are optional and unrelated to using the dashboard.
Platforms
| Web | Yes |
|---|---|
| iOS | Yes |
| Android | Yes |
| Desktop | No |
Features
| Bank sync | Yes |
|---|---|
| Plaid support | Unknown |
| Manual transactions | Yes |
| Envelope budgeting | No |
| Zero-based budgeting | No |
| Couples / shared budget | Unknown |
| Google Sheets integration | No |
| CSV import | Unknown |
| CSV export | Yes |
| Recurring transactions | Yes |
| Bill calendar | Unknown |
| Net worth tracking | Yes |
Privacy
Free dashboard is funded by upselling Empower's advisory services. Linking accounts puts transaction and balance data into Empower's systems. The privacy policy states Empower does not sell personal information for any purpose, with a state-law nuance around third-party cookies.
Direct quote: 'We do not sell customers' personal information to anyone for any purpose.' Caveat: 'some state laws have a broader definition of "sale" and "share" that may be applicable to use of certain third-party cookies.' Advisor outreach for users with $100k+ linked assets is a documented tradeoff distinct from data-selling.
Pros
- Free net worth and portfolio analysis tools
- Strong investment aggregation across brokerages
- Long track record (formerly Personal Capital)
Cons
- Not envelope-based — limited utility for monthly budget control
- Free product is a lead-gen surface for paid advisory services
- Advisor sales outreach is a documented tradeoff for users with significant assets
Featured in
Alternatives
- Monarch Money — All-in-one personal finance app focused on net worth tracking, account aggregation, and household budgeting. Web and mobile, with a household plan that includes partner access.
- Copilot Money — Apple-platform personal finance app focused on automated transaction categorization and a polished UI. Subscription only; iOS, iPadOS, and macOS.
- Rocket Money — Personal finance app focused on subscription management, balance alerts, and bill negotiation. Adds basic budgeting and automated savings on top.
- Okane Budgeting — Mobile envelope budgeting app whose backing store is a Google Sheet on the user's own Drive. Free tier with unlimited envelopes; $5/month Premium adds Plaid bank sync and on-device AI categorization.
Sources
- Empower homepage — Empower. Accessed May 2, 2026.
- Empower privacy policy — Empower. Accessed May 3, 2026.