Review
EmpowerReviewed by Vetteroo review
Investors with several retirement and brokerage accounts.
We check it out so you don’t have to.
Disclosure: Some links on this page are affiliate links. If you buy through them, we may earn a commission at no extra cost to you. We only recommend things we believe are useful. Read our full disclosure.
- What it is
- Free net worth and investment tracking dashboard, plus paid advisory services
- Best for
- Investors who want a free view of all their accounts and net worth
- Price
- Free dashboard; paid advice 0.89%/yr ($100k minimum), checked October 28, 2026
- Prices checked
- October 28, 2026
We researched Empower's official pricing, plan terms, product pages, help documentation and Trustpilot profile. We haven't used Empower ourselves, so this is a research-based review, not a hands-on test.
Who it’s best for
- Investors with several retirement and brokerage accounts.
- People who want a free net worth tracker.
- People planning for retirement.
Who should skip it
- Probably not the best fit if you want detailed category budgets.
How it works day to day
This part draws on Empower’s own product pages, help center and documentation, read October 28, 2026 (listed under Sources). We haven’t used Empower ourselves.
Day to day, you open the dashboard to see your net worth, spending and investment mix, and run the retirement planner when you want a check-in.
Key features in use
- Net worth tracking.
- Investment checkup.
- Retirement planner.
- Fee analyzer.
- Cash flow and a monthly budget.
Setup and learning curve
You sign up free and link your bank, card, investment and loan accounts.
Integrations
Empower links to thousands of financial institutions.
Support
Empower offers phone and email support and a help center.
Real-world use cases
- Someone sees old 401(k)s and IRAs in one place.
- A couple checks if they are on track to retire.
- An investor checks the fees in their funds.
What it costs
Prices checked October 28, 2026, from Empower’s own pricing page unless noted. Prices change often, so check the official page before you buy.
- Personal Dashboard: free. Net worth, investment checkup, retirement planner, fee analyzer and basic budgeting.
- Personal Strategy (paid advice): needs at least $100,000 in investments and charges 0.89% a year on assets managed, plus fund expenses.
- The dashboard is free whether or not you use paid services.
What we like
- Free net worth and investment tracking.
- Retirement planner and fee analyzer.
- Connects bank, credit card, investment and loan accounts.
- Empower says login details are encrypted.
- Web and mobile apps.
What to watch for
- Budgeting is basic, with one overall monthly budget rather than category budgets (per NerdWallet).
- Some account connections can be unreliable (per NerdWallet).
- Empower makes money from paid advisory services, which it may offer you.
The fine print
- Paid advice charges 0.89% a year plus fund expenses, with a $100,000 minimum.
- We found no meaningful Trustpilot score (only 1 review) as of October 28, 2026.
- Empower's Personal Dashboard was formerly Personal Capital.
The main alternative: Monarch Reviewed by Vetteroo
Monarch is a paid budgeting and net worth app with category budgets, shared access and clean reports.
What it costs: Core $99.99/yr or $14.99/mo; 7-day trial, checked October 26, 2026
Pick EmpowerReviewed by Vetteroo if you…
- want a free net worth tracker.
- have several investment accounts.
- want retirement planning tools.
Pick MonarchReviewed by Vetteroo if you…
- want detailed category budgets.
- don't want advisory offers.
Our take
Empower's free Personal Dashboard is a strong way to track net worth and investments across accounts. Budgeting is basic, and Empower sells paid advice. Compare Monarch if you want detailed budgets.
Side by side
| Company | Best for | Starting price | Trial / refund |
|---|---|---|---|
| Empower Reviewed by Vetteroo | Investors who want a free view of all their accounts and net worth | Free dashboard; paid advice 0.89%/yr ($100k minimum), checked October 28, 2026 | Free |
| Monarch Reviewed by Vetteroo | People and couples who want to track all their accounts, budget and plan in one app | Core $99.99/yr or $14.99/mo; 7-day trial, checked October 26, 2026 | 7-day free trial (payment method required) |
From our company records. Check the official pages for current prices.
What we checked
- Empower's pricing page and plan terms, read October 28, 2026
- Trustpilot, searched October 28, 2026 (no usable score for Empower)
- Monarch's details: from our existing company record and review, not re-checked on October 28, 2026
- Empower's feature, help and integration pages listed below (links checked October 28, 2026)
Sources
- Empower Personal Dashboard sign-up
- Empower Personal Strategy
- NerdWallet: Empower Personal Dashboard review (updated Feb 26, 2026)
- Empower home page
How we review
We read the company's own terms, test the sign-up or booking steps where we can, and compare it with alternatives. A commission never changes what we write. Read our disclosure.
Disclosure: Some links on this page are affiliate links. If you buy through them, we may earn a commission at no extra cost to you. We only recommend things we believe are useful. Read our full disclosure.