Personal finance analytics · Empower (Empower Annuity Insurance Company of America)

Empower Personal Dashboard

Free linked-account net worth, retirement, and investment-fee analysis tool offered as a lead-in to Empower's paid advisory service.

Visit Empower Personal Dashboard Alternatives

Empower Personal Dashboard (the tool formerly branded Personal Capital) is a free web and mobile app that links bank, credit, loan, and investment accounts to show net worth, cash flow, and account balances in one place. Its most distinctive features are investment-focused: a retirement planner that projects portfolio outcomes under different scenarios, an investment checkup tool that flags asset-allocation drift and fee drag, and a fee analyzer that estimates the long-term cost of fund expense ratios and advisory fees. The dashboard itself carries no subscription fee; Empower monetizes through an optional managed-advisory service layered on top, with account minimums and asset-based advisory fees for clients who opt into professional portfolio management. It is cloud-hosted only, with no self-hosted option, and is best suited to households with meaningful investment balances who want free portfolio analytics alongside the option of paid advice.

At a glance

Vendor Empower (Empower Annuity Insurance Company of America)
Pricing model Free
Free tier Yes
Deployment Cloud
Open source No
Best for Investment-focused households who want free portfolio and retirement analytics, with the option of paid managed advisory services.

Pricing

The Personal Dashboard tools are free; Empower charges asset-based advisory fees only for clients who opt into its separate managed portfolio service.

Pricing has not been verified yet — see the vendor's site.

Features

  • Linked bank, credit, loan, and investment account aggregation
  • Net worth and cash-flow tracking
  • Retirement planner with scenario projections
  • Investment checkup and asset-allocation analysis
  • Investment fee analyzer
  • Portfolio performance and holdings view
  • Budgeting and spending categorization

Integrations

Profile last reviewed September 21, 2026

Alternatives

Monarch Money Subscription personal finance app that links bank, credit, and investment accounts for budgeting, net worth, and goal tracking. Ghostfolio Open-source portfolio-tracking and wealth-management app, self-hostable for free or usable through an official paid cloud version. Tiller Spreadsheet-native budgeting tool that auto-feeds linked bank and investment data into Google Sheets or Excel templates. Quicken Simplifi Linked-account budgeting and spending-plan app from Quicken, positioned as a simpler, cloud-based alternative to desktop Quicken.

Empower Personal Dashboard in the index now

Related guides

How to choose a personal finance app Envelope budgeting, linked-account dashboards, spreadsheet feeds and self-hosted ledgers solve money tracking differently — pick the method first. How to track personal finances with data Categorizing spending, calculating net worth and savings rate properly, and choosing a tool that fits how you actually think about money. Investment analytics for individuals, explained How individual investors measure their own portfolios — the questions worth asking, the metrics that matter and the tools that answer them.