⭐ Editor's Choice — Top Rated Pick
Empower Personal Dashboard™ (Formerly Personal Capital)
📍 Available in: US
★★★★★ 4.7 / 5.0
Formerly known as Personal Capital, the Empower Personal Dashboard is completely free forever ($0/year). While Monarch and YNAB focus on daily grocery and dining budgets, Empower is engineered for wealth builders and FIRE (Financial Independence, Retire Early) investors. It links all your 401(k)s, IRAs, taxable brokerages, mortgages, and bank accounts to run a 5,000-simulation Monte Carlo Retirement Planner and an Investment Checkup that exposes hidden mutual fund expense ratios.
Key Facts at a Glance
| Cost / Fee Structure | $0 (100% Free Dashboard Tools) |
| APR / Rate | Monte Carlo Retirement & Fee Analyzer |
| Coverage / Loan Limit | Tracks Unlimited 401(k), IRA, Crypto & Property |
| Credit / Eligibility | Optional Wealth Management (0.89% Fee for $100k+) |
Pros & Cons
✓ Pros
- ✓Completely free ($0/year) institutional-grade portfolio analytics and Monte Carlo retirement modeling
- ✓The Fee Analyzer immediately shows how much hidden 401(k) expense ratios are costing your retirement
- ✓Tracks Zillow home equity, stock options, and alternative investments alongside cash accounts
✕ Cons
- ✕Once you link more than $100,000 in liquid investable assets, Empower advisors will periodically call/email to pitch their optional 0.89% AUM wealth management service
- ✕Basic monthly budgeting tool does not allow custom category creation or rollover envelopes
Key Features
100% Free Net Worth & Portfolio Aggregation DashboardRetirement Fee Analyzer (Calculates Decade-Long Cost of 401(k) Expense Ratios)Monte Carlo Retirement Planner (Simulates Market Crashes, Social Security & Spending)Asset Allocation X-Ray (Detects Sector Over-Concentration Across All Accounts)
Compare Empower Personal Dashboard™ (Formerly Personal Capital) Side-by-Side
Not sure if Empower Personal Dashboard™ (Formerly Personal Capital) is the right fit? See how it stacks up against direct competitors: