Empower Personal Dashboard

Name: Empower Personal Dashboard
Brand: Empower Personal Dashboard

Free net worth, budgeting, and retirement planning dashboard, formerly known as Personal Capital.

softwarePersonal Financenet-worth-trackerpersonal-finance-dashboardretirement-planning

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Our Verdict

Best for

Anyone who wants a free, all-in-one view of net worth, spending, and retirement projections across all their accounts.

Skip if

You are uncomfortable with a free tool that regularly markets a paid advisory service, or don't want to link investment accounts to a third party.

What is Empower Personal Dashboard?

Empower Personal Dashboard is a free personal finance tool (formerly branded Personal Capital) that lets users link bank, credit card, investment, and retirement accounts to see a complete financial picture in one place. It tracks net worth over time, categorizes spending and cash flow automatically, and includes a retirement planner that models different savings and spending scenarios. The dashboard is offered by Empower Personal Wealth (EPW), part of the same corporate family as Empower Retirement (the 401(k) recordkeeper) but a distinct consumer-facing business; the dashboard itself is entirely free, with revenue coming from an optional paid advisory service, Empower Personal Strategy, requiring at least $100,000 in investable assets and charging tiered annual fees around 0.89% and down.

SpecificationsAI-estimated

deploymentCloud/SaaS

open source❌ No

api available❌ No

support optionsHelp center, phone support for advisory clients

key integrationsBank, credit card, investment, and retirement account aggregation

Key Features of Empower Personal Dashboard

Users connect bank, credit card, investment, and retirement accounts to see net worth and full account balances in one dashboard.

The Retirement Planner models different savings, spending, and market scenarios to project retirement readiness.

An Investment Checkup analyzes portfolio diversification and asset allocation against a target mix.

Budgeting and Cash Flow tools automatically categorize spending and track expenses over time.

A Fee Analyzer estimates how investment and 401(k) fees compound over time to affect long-term returns.

iOS and Android apps mirror the web dashboard for checking net worth and accounts on the go.

Use Cases for Empower Personal Dashboard

Tracking net worth across accounts

A user links checking, savings, brokerage, and mortgage accounts to see one combined net worth figure that updates automatically.

Planning for retirement

Someone in their 40s uses the Retirement Planner to model whether current savings rates will support their planned retirement age.

Checking investment fees

An investor runs the Fee Analyzer on an old 401(k) to see how much fund fees are costing over a multi-decade horizon.

Considering a paid advisor

A user with $150,000+ in investable assets who wants ongoing human guidance upgrades to Personal Strategy.

Pros & Cons of Empower Personal Dashboard

Pros

The core dashboard, net worth tracker, and retirement planner are entirely free, with no trial period or paywall.
Aggregates a very wide range of account types, including old 401(k)s, IRAs, mortgages, and credit cards, in one view.
Backed by a large, established financial company with $2.1 trillion+ in assets under administration group-wide.
Optional paid advisory tier provides a natural upgrade path for users who want a human advisor as their assets grow.

Cons

The free dashboard is a lead-generation tool for the paid advisory service, so expect regular calls and emails promoting Personal Strategy.
Paid advisory access requires a $100,000 minimum, putting it out of reach for many users of the free tool.
Shares the Empower brand with Empower Retirement (the unrelated 401(k) recordkeeper), which can cause confusion about which service is being used.

Frequently Asked Questions

Is Empower Personal Dashboard the same as Empower Retirement?

No. Empower Personal Dashboard is run by Empower Personal Wealth, a consumer finance tool; Empower Retirement is a separate 401(k) recordkeeping business under the same corporate parent.

Is the dashboard really free?

Yes, the net worth tracker, retirement planner, and other dashboard tools are free; Empower monetizes through an optional paid advisory service.

What was this product called before?

It was previously branded Personal Capital before being rebranded as Empower Personal Dashboard.

How much does the paid advisory service cost?

Empower Personal Strategy requires a $100,000 minimum and charges tiered annual fees starting around 0.89% on the first $1 million, decreasing at higher asset levels.

Pricing Overview

View full pricing →

Freemium

Personal Dashboard

Free

Personal Strategy

~0.89% annually on assets under $1M (tiered lower above that

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