Empower pricing breakdown
| Service | Price | Details |
|---|---|---|
| Personal dashboard | Free | Budgeting, net worth, spending, investment checkup |
| Wealth management (up to $1M) | 0.89% AUM/year | $100K minimum, managed portfolios + advisor access |
| Wealth management ($1M–$5M) | 0.79% AUM/year | Dedicated financial advisor |
| Wealth management ($5M+) | 0.69% AUM/year | Private client services |
What’s included in the free dashboard
- Net worth tracking across all accounts
- Investment portfolio analysis and fee benchmarking
- Cash flow and spending tracking
- Basic category budgets and trends
- Retirement planner projections
- iOS, Android, and full web app
- Asset allocation and rebalancing view
- Free, no subscription required
Empower vs SheetLink pricing
| Feature | Empower | SheetLink |
|---|---|---|
| Price | Free (wealth mgmt upsell) | Free, or $4.99/mo for Pro (no AUM fees) |
| Primary focus | Investments + net worth | Bank sync to spreadsheets |
| Spreadsheet output | Export only | Native Google Sheets and Excel |
| Bank sync | Automatic (daily) | Manual: press Sync now |
| Upsell pressure | Advisor calls + wealth mgmt | No advisor calls or AUM fees |
| Investment tracking | Full portfolio analysis | Holdings and activity, with cost basis and gain or loss (Max) |
| Best for | High-net-worth investors | Budgeting, bookkeeping, cash flow |
See the full Empower comparison ›
Is Empower worth using?
Empower is worth it if you…
- Have significant investment assets to track
- Want free portfolio analysis and fee benchmarking
- Are open to speaking with a financial advisor
- Want retirement planning projections
- Don’t need spreadsheet-level control
SheetLink is better if you…
- Want transaction data in Google Sheets or Excel
- Don’t want advisor outreach or AUM upsells
- Need bookkeeping for a small business
- Want full control with custom formulas
- Value privacy-first manual sync
Questions
Is Empower (Personal Capital) free?
Empower’s financial dashboard (net worth tracking, spending, budgeting) is completely free. Empower makes money by upselling its wealth management service at 0.89% of assets under management.
What is Empower’s wealth management fee?
Empower charges 0.89% of assets under management (AUM) per year for its advisory service on portfolios up to $1M, with lower rates (0.79% and 0.69%) above that. On a $100,000 portfolio that’s $890/year.
Does Empower replace Mint?
Empower is a popular Mint alternative for net worth and investment tracking. However, it doesn’t sync transactions to spreadsheets. SheetLink fills that gap.
What is the difference between Empower and Personal Capital?
Personal Capital rebranded to Empower in 2023. The product is the same: a free financial dashboard with optional paid wealth management.