Compare / Empower (Personal Capital) vs YNAB
Empower (Personal Capital) vs YNAB
Two records, side by side. YNAB ships 4 things Empower (Personal Capital) does not, Empower (Personal Capital) ships 1 YNAB does not, 13 attributes are the same, and 35 cannot be compared because one side is Unknown.
Empower (Personal Capital): FreeYNAB: $14.99/month or $109/yearEmpower (Personal Capital): 31 of 60 recordedYNAB: 33 of 60 recorded
Where they differ
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| Attribute |  Empower (Personal Capital)checked · 2026-09-04 |  YNABchecked · 2026-09-04 |
|---|---|---|
| Cost | ||
| Free tier | Yes | No |
| Transactions | ||
| History import | No | Yes |
| Planning | ||
| Rollover budgeting | No | Yes |
| Wealth | ||
| Balance history import | No | Yes |
| Sharing | ||
| Partner or household | No | Yes |
All 60 attributes
| Attribute | Empower (Personal Capital)checked · 2026-09-04 | YNABchecked · 2026-09-04 |
|---|---|---|
| Cost | ||
| Free tier | Yes | No |
| Price | Free (Advisory is a separate paid service, from $250,000 invested.) | $14.99/month or $109/year (34-day trial, no card) |
| Lifetime purchase | ? | ? |
| Connections | ||
| Account aggregation | Yes | Yes |
| Connectors | Yodlee | Plaid · MX · TrueLayer |
| Refresh more than daily | Yes | ? |
| Manual accounts | Yes | Yes |
| Countries | US | US · CA |
| Multi-currency | ? | ? |
| Crypto and digital assets | ? | ? |
| Transactions | ||
| Edit transactions | Yes | Yes |
| Create manual transactions | Yes | Yes |
| Rules engine | Yes | Yes |
| Mass edit | Yes | Yes |
| Split transactions | ? | Yes |
| History import | No | Yes |
| Length of history | Unlimited | Unlimited |
| Export | Yes | Yes |
| Import formats | ? | CSV · QFX · QIF |
| Nested categories | ? | ? |
| Tags | ? | ? |
| Receipt attachments | ? | ? |
| Planning | ||
| Budgeting | Yes | Yes |
| Envelope budgeting | ? | ? |
| Rollover budgeting | No | Yes |
| Recurring transactions | Yes | Yes |
| Bills | Yes | ? |
| Goal tracking | Yes | Yes |
| Debt payoff planning | ? | Yes |
| Cash-flow forecasting | Yes | ? |
| Cancel subscriptions | ? | ? |
| Wealth | ||
| Net worth | Yes | Yes |
| Balance history import | No | Yes |
| Investment tracking | Yes | ? |
| Investment transactions | Yes | ? |
| Real estate | ? | No |
| Insight | ||
| Reports | Yes | Yes |
| Trends | ? | Yes |
| Credit scores | No | ? |
| Alerts | ? | ? |
| Assistance | ||
| AI chat | ? | ? |
| AI categorization | Yes | ? |
| Sharing | ||
| Partner or household | No | Yes |
| Adviser access | Yes | ? |
| Business or rental separation | ? | ? |
| Platforms | ||
| Interfaces | Web · iOS · Android | Web · iOS · Android |
| Full mobile app | ? | Yes |
| Home-screen widgets | ? | Yes |
| Offline access | ? | Yes |
| Trust | ||
| SOC 2 | ? | ? |
| 2FA / MFA | Yes | Yes |
| Sells or shares your data | ? | ? |
| Read-only bank connections | ? | ? |
| Data held by | ? | ? |
| Self-hosting | ? | ? |
| Open source | ? | ? |
| Extending | ||
| Public API | ? | Yes |
| Spreadsheet sync | ? | ? |
| Webhooks | ? | ? |
| Tax export | ? | Yes |