What to use instead of Empower Personal Dashboard

The product

Empower Personal Dashboard is a free aggregator. You link bank accounts, credit cards, loans, mortgages, brokerage accounts, IRAs and workplace retirement plans, and it lays them out as one net-worth figure, a cash-flow and budgeting view, and a set of planning tools on top: portfolio analysis with an allocation comparison it calls the Investment Checkup, a Retirement Planner, a Retirement Fee Analyzer that estimates what fund and plan fees cost by retirement age, and savings, debt-paydown and emergency-fund planners. The connections run on Yodlee's FastLink, per the terms of use last updated 1 August 2025. Empower put the audience for its free tools at more than 3.3 million users in December 2023.

It was Personal Capital. Empower closed that acquisition on 18 August 2020, for up to 1 billion dollars in enterprise value, and in early 2023 folded it into a new Empower Personal Wealth division — Empower dates the launch to January 2023 and announced it on 8 March. Logins carried over and the app renamed itself with an update. Nothing about it is shutting down: as of 26 September 2026 the dashboard is live and still free.

The price is worth understanding, because it is why this catalogue has no card for it. The dashboard is free because it is the front door of a registered investment adviser. Empower's own tools page promotes Personal Strategy, advice from 250,000 dollars in investments, and Private Client, from 1 million, on the same page as the free tools. The terms say wealth management "may be offered or solicited" to select users at Empower's discretion, and that signing up is consent to promotional calls and texts. None of that is hidden and none of it is unusual — it is how a free product with no advertising pays for itself. But this catalogue lists software you pay for or run yourself, and a product whose revenue is advice sits outside it.

People who arrive here are rarely unhappy with the charts. They want out for one of four reasons: the calls, accounts outside the US that it will not link, a preference for their financial data not living with a wealth manager, or a question the dashboard was never built to answer.

What to use instead

Nothing here is the same bundle, and nothing here is free with automatic US bank linking. What follows splits the dashboard into the jobs people used it for.

The whole balance sheet, linked. Kubera is the nearest thing in shape: bank and brokerage accounts through nine aggregators, crypto from exchange keys and wallet addresses, and property and private holdings as rows you value yourself. It reaches past the US to Canada, the UK, most of Europe, Australia and more. It is 250 dollars a year, billed annually, with no free tier, and it states outright that it sells software rather than financial products. Refresh is daily, not live.

The same job, on your own disk. Wealthfolio tracks investments, net worth, liabilities, spending and dividends, reports time- and money-weighted returns and runs retirement projections — more of the dashboard's surface than anything else here — from a SQLite file on your own machine, free. Automatic broker sync is not in the free app: it is Connect, from 7.99 dollars a month for five institution connections through SnapTrade, refreshed once a day. Ghostfolio is the other open-source answer, browser-first and self-hosted, and has no broker connections at any tier.

Accounts outside the US. The dashboard links US institutions in dollars and nothing else. getquin is the opposite shape — free, unlimited bank and broker connections, a net-worth view, a long list of German and European brokers and a short list of US ones. Two things to know first: its prices come from a German venue rather than each listing's home exchange, and it offers no export at all. It also sells a human advisory subscription, separately from the app.

The investment view. If what you opened the dashboard for was the portfolio screen, Sharesight answers the question more precisely: a money-weighted return per holding, with dividends, splits and consolidations applied automatically, where the dashboard works out performance per account from balances and cash flows. Its tax reports are real for Australia, New Zealand and Canada; a US investor gets a taxable-income report and a sold-securities report on average cost, and no Form 8949. Portseido and Snowball Analytics take the same job towards multi-currency books and dividends respectively.

The Retirement Planner. Boldin is the deeper version for a US household — federal and state tax, Social Security, Medicare and Roth conversions modelled year by year, with account balances linked on the 144-dollar annual plan. Boldin also sells advice beside the software, a 3,200-dollar one-off review and ongoing advisory from 1,200 dollars a year, priced on its site and bought separately. ProjectionLab builds the plan from milestones and cash flows, runs Monte Carlo and historical sequences on its free plan, and links no accounts at all, by design.

Budgeting and cash flow. Not in this catalogue, which covers stock-market software. Wealthfolio tracks spending from what you import into it; for categorised bank transactions, look outside.

What you give up

Free, with US banks linked. The dashboard's actual offer is that checking, credit cards, a mortgage, a 401(k) and a brokerage account all update themselves at no charge. Every option above gives up one half of that. Kubera links the lot and costs 250 dollars a year; Wealthfolio and Ghostfolio are free and make you import, or charge for broker sync; getquin is free and linked and built for European accounts.

The fee arithmetic. The Retirement Fee Analyzer estimates what fund expense ratios and plan administration fees take out of a retirement balance, from the accounts you already linked. Nothing in this catalogue does that calculation from linked holdings. You can do it by hand from each fund's expense ratio and your plan's fee disclosure, which is where Empower's figure starts anyway.

The history. The dashboard tracks each account's balance from the day it was linked, and its help centre documents no export of that daily series or of holdings as data. Years of net-worth history stay in Empower, or leave as a PDF of the Net Worth page from the iOS app. A new tool starts from zero or from whatever you import into it.

Migration notes

Export the transactions first, and widen the date range. On the web: Overview, then Transactions, then the CSV button beside the search field. The export honours whatever date range and account tab are selected, and the range defaults to 90 days — set the From date back to the start, and export the Investment tab separately if that is what you are moving.

Get cost basis from the broker, not from Empower. When an account is linked, the dashboard pulls one to three months of transactions and tracks the balance forwards from there, and it does not accept historical imports. So its export cannot rebuild a lot bought before you linked the account. The broker's own trade history is the source; Empower's CSV is at best a cross-check.

Expect to map columns. The CSV is Empower's layout and no tracker's template. Sharesight has an AI importer that reads a file in any layout; Wealthfolio and Portseido import broker statements; Ghostfolio takes CSV or JSON, or its API. Check the imported rows against the broker either way.

Expect a different return. The dashboard computes performance per account from balance changes net of money in and out. Sharesight's figure is money-weighted per holding; Wealthfolio reports both time- and money-weighted. A number that disagrees with the one you are used to is usually a different method, not an error — the dashboard's own help centre says the same about brokers.

Closing the dashboard closes only the dashboard. The terms describe closing the account by email with CANCEL in the subject line; the help centre routes deletion through a support ticket under Dashboard Issues. Either way, the terms say it does not cancel any other Empower product you hold — a cash account, an IRA, a workplace plan it administers.

If the calls are the only problem, closing is not required. The terms give an opt-out for promotional calls and texts that leaves the dashboard running; the number is in the FAQ below.