Empower Personal Dashboard

Empower Personal Dashboard is a free financial-tracking web and mobile app, known as Personal Capital until its February 2023 rebrand after Empower acquired the company in 2020. It links your bank accounts, credit cards, brokerage and retirement accounts, loans, and mortgages into a single view so you can watch your net worth, cash flow, and investment portfolio in one place. The core appeal is that the entire dashboard stays free: per Empower's site and multiple 2026 reviews verified in August 2026, the net worth tracker, cash-flow and spending categorization, the Investment Checkup (asset-allocation and concentration analysis), the Retirement Planner, savings and debt planners, and the Fee Analyzer that flags hidden fund costs all cost nothing. It also tracks cryptocurrency and pulls home values from Zillow. That combination makes it one of the strongest free portfolio and net-worth trackers available, especially for investors who want to see all their assets and their true allocation without paying for software. The honest catch is how Empower funds the free tools: it uses the dashboard as a lead source for its paid wealth-management service. Linking investment balances, particularly above roughly $100,000, typically triggers phone calls from Empower advisors pitching that managed service. Reviewers in 2026 consistently note the calls but also report that Empower honors a request to stop contacting you, so the pressure is avoidable if you decline clearly. The managed service itself comes in two tiers, per Empower's own pricing pages checked September 25, 2026. Personal Strategy charges a 0.89% annual advisory fee, with a $100,000 minimum for Investment Services and a $250,000 minimum for Wealth Management. Private Client, for accounts of $1,000,000 or more, charges a lower schedule: 0.79% on the first $3 million, 0.69% from $3 million to $5 million, 0.59% from $5 million to $10 million, and 0.49% above $10 million. Those fees are higher than most robo-advisors, so the wealth-management arm is best judged on its own merits rather than assumed to be a bargain. The tools do have real limits as a day-to-day budgeting app. You can set an overall monthly spending target but cannot set category-level budgets, the app tracks past spending rather than forecasting a forward budget, and it has no subscription-tracking feature. Empower is therefore best treated as an investment and net-worth dashboard rather than a zero-based budgeting tool. For anyone who mainly wants a free, comprehensive picture of their investments and wealth, it remains a top pick in 2026; strict budgeters may want to pair it with a dedicated budgeting app.