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Switching / CoPilot → Empower (Personal Capital)

Moving from CoPilot to Empower (Personal Capital)

Assembled from both records. Nothing here is an opinion — it is the difference between two rows, written out.

$13/month or $95/year → FreeHistory: no importAggregators: Plaid, MX, Mastercard, Akoya → Yodlee

Your data — read this first

CoPilot records transaction export as Yes, so take the export first. Empower (Personal Capital) records history import as No: your history does not move, and you start from whatever your banks return on connection.

Transactions
No
Balance history
No
Budgets
Rebuilt by hand
Rules
Rebuilt by hand
Attachments
?

Transactions, balance history and attachments are Empower (Personal Capital)’s own import attributes. Budgets and rules never transfer between two apps in this index.

What you gain

  • Free tier No → Yes

What you lose

  • Rollover budgeting Yes → No
  • Partner or household Yes → No

What is unchanged

  • Account aggregation, Manual accounts, Edit transactions, Rules engine, History import, Export, Custom categories, Budgeting, Recurring transactions, Net worth, Investment tracking, Reports, Credit scores, AI categorization, 2FA / MFA

46 attributes are Unknown on one side and left out. Gains and losses are a diff of the two records.

How to do it

  1. Export from CoPilot first

    Take the transaction export while your subscription is live. The record says export is available.

  2. Connect accounts

    Find out which of your banks fail before you are billed. Empower (Personal Capital) reaches banks through Yodlee.

  3. Rebuild budgets and rules

    No app in this index imports another’s budgets or rules. Budgets are quick; rules are worth rebuilding as transactions arrive rather than all at once.