Empower Personal Dashboard Review
Free net worth tracker and retirement planner (formerly Personal Capital). Independent Empower Personal Dashboard review: 3.8/5 for budgeting.
By Michael Hewitt, Founder & Editor-in-Chief. Rates last checked September 7, 2026.
Our verdict
People tracking net worth and retirement get a free dashboard from Empower, with a 401(k) Fee Analyzer and a Retirement Planner that runs Monte Carlo simulations. The cost shows up another way: link $100K or more in portfolios and expect sales calls from Empower advisors. Budgeting is lighter than YNAB or Rocket Money, which is why it isn't rated higher.
Skip it if you'll link $100K+ and don't want advisor sales calls, or want active envelope budgeting.
About Empower Personal Dashboard
Free net worth tracker and retirement planner (formerly Personal Capital). Empower Personal Dashboard is offered by Empower Personal Wealth, LLC. Our editorial rating is 3.8 out of 5.
Best for: High-net-worth tracking and retirement planning.
Editorial grade: B (composite score 75/100).
Highlights
- Net worth tracking across 14,000+ banks, brokerages, 401(k) providers, mortgages, and crypto wallets
- 401(k) Fee Analyzer: uncovers hidden expense ratios and shows lifetime fee drag
- Free Retirement Planner with Monte Carlo simulations across 1,000+ market scenarios
- Investment Checkup: analyzes portfolio for sector concentration, fees, and asset-allocation gaps
What we like
- Comprehensive free financial dashboard, with no premium tier required for most features
- Institutional-grade analytics typically reserved for high-net-worth advisor clients
- Beautiful visualizations of spending, allocation, and projected retirement outcomes
- Trusted brand: Empower manages $1.4T+ in assets across retirement plans
Where it falls short
- Sales calls from Empower advisors for users with $100K+ in linked portfolios
- Budgeting features are lighter than YNAB or Rocket Money, designed more for tracking than active envelope budgeting
- Mobile app is less polished than Monarch or YNAB
Fees, minimums, and rates
Monthly fee: Free dashboard. Minimum to open: $0. Rates and fees last checked on September 7, 2026.
How we reviewed it
This is a desk review: we have not opened an account with Empower Personal Wealth, LLC. It is built from Empower Personal Wealth, LLC's published rates, fee schedule and terms and from the public complaint record, and compared with the other products in the Budgeting shortlist. Our money-app reviews weight cost (25%), accuracy and reliability (25%), data security (20%), usefulness (20%), and customer support (10%). The rubric is the same for every brand.
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Read our full editorial methodology for how we review products.