Empower Pricing 2026
The Empower Personal Dashboard (formerly Personal Capital) is free for budgeting and net worth tracking. Empower's Wealth Management service starts at 0.89% of assets under management (AUM) per year — which is their main revenue source and why the app is free.
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 |
Free, But Expect Sales Calls
Empower's dashboard is genuinely free, but the business model is selling wealth management services. Once you connect accounts and show investable assets, expect advisor outreach. If you're not interested in managed investments, this can feel intrusive.
What's Included in the Free Dashboard?
- Net Worth Tracking — Link all accounts: bank, investment, mortgage, loans
- Investment Checkup — Portfolio analysis, fee analyzer, asset allocation
- Cash Flow — Income and expense tracking across linked accounts
- Budgeting — Basic category budgets and spending trends
- Retirement Planner — Projection tools for retirement readiness
- Web + Mobile — iOS, Android, and full web app
Empower vs SheetLink
Empower and SheetLink serve different needs. Empower is built around investment and net worth tracking with a wealth management upsell. SheetLink is built around syncing transaction data to your own spreadsheet.
| Feature | Empower | SheetLink |
|---|---|---|
| Price | Free (wealth mgmt upsell) | Free / $4.99/mo (no upsells) |
| Primary Focus | Investments + net worth | Bank sync to spreadsheets |
| Spreadsheet Output | ❌ Export only | ✅ Native Google Sheets + Excel |
| Bank Sync | Automatic (daily) | Manual click (privacy-first) |
| Upsell Pressure | Advisor calls + wealth mgmt | None |
| Investment Tracking | ✅ Full portfolio analysis | Transaction data only |
| Best For | High-net-worth investors | Budgeting, bookkeeping, cash flow |
Is Empower Worth Using?
Empower is worth it if you:
- Have significant investment assets you want to track in one place
- Want free portfolio analysis and fee benchmarking
- Are open to speaking with a financial advisor about wealth management
- Want retirement planning projections
SheetLink is a better choice if you:
- Want transaction data in Google Sheets or Excel — not a proprietary app
- Don't want advisor outreach or wealth management upsells
- Need bookkeeping for a small business or freelance income
- Want full control over your data with custom formulas and layouts
- Value privacy-first manual sync with no stored credentials
Empower Alternatives
- SheetLink — Free / $4.99/mo, Google Sheets + Excel, no upsells
- Monarch Money — $8.25/mo ($99/yr), investment + budgeting, no advisor upsell
- YNAB — $14.99/mo, budgeting focus, no investment tracking
- Fidelity Full View — Free for Fidelity customers, portfolio aggregation
- Tiller Money — $6.58/mo ($79/yr), Google Sheets + Excel, detailed transaction tracking
Bank Sync Without the Upsells
SheetLink syncs real bank transactions to Google Sheets or Excel. No wealth management pitch, no advisor calls — just your data in your spreadsheet.
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