Empower's Personal Dashboard (the app formerly known as Personal Capital) is still one of the best free net worth trackers available. So why are so many people looking for a replacement?
Three reasons come up again and again: the advisory sales calls that start once your linked balances cross a threshold, account sync issues that leave connections broken for days, and a dashboard that has barely evolved since the Personal Capital days. Empower is a wealth-management firm first — the free dashboard exists to find advisory clients, and it shows.
If any of that sounds familiar, here are the best Empower alternatives in 2026, and who each one is right for.
The best Empower alternatives at a glance
| App | Best for | Price | Investment return | Sales calls |
|---|---|---|---|---|
| NetTrack | Net worth + true investment performance | Free tier; paid for unlimited accounts | Flow-adjusted | Never |
| Monarch Money | All-in-one budgeting + net worth | ~$100/year | Good | Never |
| Kubera | Complex, multi-asset portfolios | ~$199/year | Basic | Never |
| Copilot Money | Design-first Apple users | ~$95/year | Good | Never |
| Empower (keep it) | Free tracking, don't mind outreach | Free | Good | Yes |
1. NetTrack — best overall replacement
NetTrack is the closest match for what most people actually use Empower for: connecting every account, watching net worth over time, and understanding how their investments are really doing.
It goes further than Empower on the investment side. NetTrack computes a flow-adjusted return for every account, so deposits and withdrawals don't get counted as gains or losses — a common flaw in dashboards that just chart your balance. You also get net worth attribution (a breakdown of exactly what changed your net worth each month), dividend tracking, real estate tracking, goals with projections, and synced web and mobile apps.
And because NetTrack makes money from subscriptions — not from managing your assets — there is no advisory upsell and nobody will ever call you.
- Best for: anyone who used Empower primarily for net worth and investment tracking
- Pricing: free tier (limited connections); paid plan for unlimited accounts
- Platforms: web, iOS, Android
2. Monarch Money — best all-in-one
If you want budgeting, goals, and net worth in a single polished app, Monarch is the strongest all-rounder, with great support for couples. The trade-off is price — there's no free tier — and its investment analytics are lighter than Empower's.
- Best for: households that want budgeting and net worth together
- Pricing: ~$100/year
- Platforms: web, iOS, Android
3. Kubera — best for complex portfolios
Crypto, foreign bank accounts, private equity, collectibles, real estate across countries — Kubera tracks nearly anything with a value. It's the pick for high-net-worth users with assets a mainstream aggregator can't handle, at a premium price.
- Best for: complex, multi-currency, alternative-asset portfolios
- Pricing: ~$199/year
- Platforms: web-first
4. Copilot Money — best design
Copilot is the best-looking personal finance app on Apple platforms, with excellent transaction categorization. Net worth and investment tracking are solid but secondary to its spending focus, and there's no Android or full web experience yet.
- Best for: iPhone/Mac users who care about design and spending insights
- Pricing: ~$95/year
- Platforms: iOS, macOS
When you should just stay with Empower
Empower still makes sense if you want a completely free tool, you like its retirement planner and fee analyzer, and you genuinely don't mind declining the occasional advisory call. It's a good product — the frustrations are with the business model around it, not the dashboard itself.
How to switch
- Export or screenshot your history. Empower doesn't offer a clean full export, so capture your current net worth and balances before you leave.
- Connect accounts in the new app. Aggregation coverage differs — connect your two or three most important institutions first and confirm they sync.
- Add manual assets. Recreate your home value, vehicles, and any private holdings.
- Run both for a month. Once the new app's numbers match reality, close out the old one.
Frequently asked questions
Is Empower Personal Dashboard still free in 2026?
Yes. The dashboard is free; Empower monetizes it by offering wealth-management services to users with larger balances, which is where the sales outreach comes from.
What's the best free Empower alternative?
NetTrack's free tier covers basic net worth tracking with a limited number of connections. If you need many connected accounts for free, Empower itself is still hard to beat — the alternatives charge because subscriptions are their only revenue.
Which Empower alternative has the best investment tracking?
NetTrack, for one specific reason: flow-adjusted returns. Most apps show a balance chart that mixes your contributions with market performance. NetTrack separates them, so you can see how your portfolio actually performed.
Will I get sales calls from these alternatives?
No. NetTrack, Monarch, Kubera, and Copilot are all subscription businesses. None of them manage assets or sell advisory services.
Ready to leave the sales calls behind? Try NetTrack free — connect your accounts and see your true net worth and investment returns in minutes.
Leave a Reply