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Empower (Personal Capital)

Name: Empower (Personal Capital)
Rating: 4.8 (420504 reviews)

An account-aggregating dashboard for net worth, budgeting, retirement and portfolio planning

Free (Advisory is a separate paid service, from $250,000 invested.)r/PersonalCapitalwww.empower.com/personal-investors/financial-tools

Feature record

Yes ships todayNo not available? nobody has told us — click one to fill it in

35 of 71 recorded

Cost

2 / 3

Free tier: Yes; www.empower.com
Price: Free (Advisory is a separate paid service, from $250,000 invested.); www.empower.com
Lifetime purchase: ?

Connections

5 / 7

Account aggregation: Yes; support-personalwealth.empower.com
Connectors: Yodlee
Refresh more than daily: Yes
Manual accounts: Yes
Countries: US
Multi-currency: ?
Crypto and digital assets: ?

Transactions

8 / 13

Edit transactions: Yes
Create manual transactions: Yes
Rules engine: Yes
Mass edit: Yes
Split transactions: ?
History import: No
Length of history: Unlimited
Export: Yes
Import formats: ?
Nested categories: ?
Custom categories: Yes; support-personalwealth.empower.com
Tags: ?
Receipt attachments: ?

Planning

8 / 16

Budgeting: Yes; www.empower.com
Envelope budgeting: ?
Zero-based budgeting: ?
Rollover budgeting: No
Recurring transactions: Yes
Bills: Yes
Bill negotiation: ?
Goal tracking: Yes
Debt payoff planning: ?
Cash-flow forecasting: Yes; www.empower.com
Scenario planning: Yes; www.empower.com
Retirement planning: Yes; www.empower.com
Subscription tracking: ?
Subscription cancellation: ?
Automated transfers: ?
Calendar view: ?

Wealth

5 / 6

Net worth: Yes; support-personalwealth.empower.com
Balance history import: No
Investment tracking: Yes; www.empower.com
Investment transactions: Yes
Real estate: ?
Investment fee analysis: Yes; support-personalwealth.empower.com

Insight

2 / 4

Reports: Yes
Trends: ?
Credit scores: No
Alerts: ?

Assistance

1 / 2

AI chat: ?
AI categorization: Yes; www.empower.com

Sharing

2 / 3

Partner or household: No
Adviser access: Yes; www.empower.com
Business or rental separation: ?

Platforms

1 / 5

Interfaces: Web · iOS · Android
Full mobile app: ?
Home-screen widgets: ?
Customizable dashboard: ?
Offline access: ?

Trust

1 / 7

SOC 2: ?
2FA / MFA: Yes
Sells or shares your data: ?
Read-only bank connections: ?
Data held by: ?
Self-hosting: ?
Open source: ?

Nothing recorded yet — 1 group, 5 attributes

Extending

0 / 5

Public API: ?
Spreadsheet sync: ?
Webhooks: ?
Tax export: ?
Tax filing: ?

Checked against the vendor’s own pages on 2026-09-04; 13 attributes carry the source they came from. Every “?” is a link — one field, no account.

Price history · cheapest recurring plan

2026-09-02: First recorded at Free

Every step is a reviewed change to the record, from the changelog; there is no nightly capture of the vendor’s pricing page. The median is the middle annual price of the 63 live listings that charge one.

In the news · 1 mention in 90 days

Review
Empower Personal Finance Dashboard Review 2026
The College Investor
2026-10-05
Mention
I tried Empower. Here’s what this budgeting app can — and can't —do
USA Today
2026-06-27

Matched on the app’s exact name from an allowlist of 36 outlets, with a personal-finance word in the headline. Anything outside that is dropped, not published. Headlines belong to their publishers. Fetched 2026-10-23.