Best Empower (Personal Capital) Alternatives in 2026
AllInvestView brings your accounts together in one net worth view. Holdings in different currencies convert into your base currency, and mortgage balances reduce the total. Dig into returns over your chosen period, then use country-specific capital gains reports alongside bond and option analytics.
About Empower (Personal Capital)
Empower, the company Personal Capital became, runs a free Personal Dashboard: net worth across linked accounts, a retirement planner, portfolio analysis, cash flow and a fee check, with a paid advisory business behind it.
Who it suits: People who want the Personal Capital dashboard experience for accounts and taxes outside the United States.
The alternatives
AllInvestView
Best for: Investors who want their income, returns and tax reports together
Track dividend payments and forecasts alongside your whole portfolio. Review returns for any period, revisit past holdings and prepare capital gains reports.
Sharesight
Best for: Investors who want dividend records and capital gains reports shaped to one of Sharesight's five tax countries
Sharesight is an Australian portfolio tracker built around dividend tracking and capital gains reports shaped to five tax authorities, covering listed shares, ETFs and funds.
Snowball Analytics
Best for: Dividend investors who follow payment dates, income forecasts and dividend quality across several accounts
Snowball Analytics is a dividend-focused portfolio tracker that consolidates stocks, ETFs, funds and crypto from multiple brokers, with a dividend calendar, payout forecasting and a 13-factor Dividend Rating as its signature features.
Navexa
Best for: Australian investors seeking performance analytics and dividend income tracking
Navexa is a portfolio tracker with detailed performance analytics and income reporting, dividends included.
Wealthica
Best for: Canadian investors who want to aggregate all their financial accounts in one dashboard
Wealthica is a Canadian portfolio aggregator that provides insights by tracking all your investments, bank accounts, and cryptocurrency in one place.
Getquin
Best for: European retail investors who enjoy community-driven investing and portfolio sharing
getquin is a Berlin-built portfolio and net worth tracker with a social layer at its center: public profiles, a community ideas feed, and bank and broker connections on the free tier.
Ghostfolio
Best for: Privacy-conscious, technically skilled investors who prefer self-hosted open-source solutions
Ghostfolio is an open source, AGPLv3 wealth management app for stocks, ETFs and crypto, run either on your own server or on the maintainers' hosted service.
Portfolio Performance
Best for: Detail-oriented German and European investors who want free, powerful desktop software with full control
Portfolio Performance is a free, open-source desktop app for tracking investments and analyzing portfolio returns.
| Platform | Key Features | Pricing |
|---|---|---|
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Genuinely free dashboard with no holding cap, Retirement planner that models scenarios rather than a single figure, Fee analysis across 401(k) plans and funds, Net worth, spending and debt in one view | Personal Dashboard free; advisory 0.89% down to 0.49% by tier, from $100,000 |
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AllInvestView
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Real-time portfolio tracking, AI-powered insights, Tax optimization & reporting, Fixed income tracking, Options pricing & analytics, Dividend tracker & forecasting, Broker sync integration, Multi-currency support, Community-driven development | Free plan available, plans from $6.99/month (Lifetime deal available) |
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Sharesight
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Tax reports for AU, NZ, UK, CA and US, Automatic dividend and DRP tracking, 200+ broker connections | Free plan with 10 holdings; paid plans from $9.33/month, unlimited holdings from $24/month |
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Snowball Analytics
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Dividend calendar, ex-dates and forecasting, Dividend Rating on 13 fundamentals, Automatic broker sync across more than 1,000 institutions, Fund X-Ray on Analytics since July 2025 | Free tier (1 portfolio, 10 holdings); paid plans billed yearly from $79.99/yr, up to $249.99/yr |
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Extensive dividend and tax tracking, Cryptocurrency support, Customizable reports | No free plan; 14-day trial, then from 240 AUD/year in Australia or 90 USD/year globally |
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Wealthica
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Connects to Canadian banks and brokerages, Daily sync of balances and holdings, Supports cryptocurrency | No free plan; 14-day trial, then from $50/year ($6.25/month) |
Asset and reporting coverage. ✓ = full native support · ● = partial or manual · × = not supported.
| Tool | Stocks / ETFs | Bonds | Options | Crypto | Custom assets | Dividend tracking | Multi-currency | Broker sync | CGT reports | Free tier | Mobile app | Advisor features |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| AllInvestView | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Empower (Personal Capital) | ✓ | ● | × | ● | ● | ● | × | ✓ | × | ✓ | ✓ | ✓ |
| Getquin | ✓ | ● | × | ✓ | ● | ✓ | ✓ | ✓ | × | ✓ | ✓ | × |
| Ghostfolio | ✓ | ● | × | ✓ | ✓ | ✓ | ✓ | ● | ● | ✓ | ● | × |
| Navexa | ✓ | ● | × | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | × | ✓ | ✓ |
| Portfolio Performance | ✓ | ● | × | ✓ | ● | ✓ | ✓ | ● | ● | ✓ | ✓ | × |
| Sharesight | ✓ | ● | × | ● | ● | ✓ | ✓ | ✓ | ✓ | ● | ✓ | ● |
| Snowball Analytics | ✓ | × | × | ● | ● | ✓ | ✓ | ● | ● | ✓ | ● | × |
Our pick, and why
#1 Empower (Personal Capital) Alternative
AllInvestView
Portfolio tracking, analysis and tax reports
Your net worth leads back to each holding and its history, with currency conversion and lot-level capital gains in the portfolio.
Our take: For an American planning a retirement funded by a 401(k), Empower does things nothing here tries to do, and the dashboard costs nothing. The moment your accounts, your currencies or your tax return sit outside the United States, the same dashboard stops describing your situation. That is where AllInvestView fits: the same net worth view, with the brokers you actually use and a gains report for the country you actually file in.
Where that shows up against Empower (Personal Capital)
Net worth, the same view you came for
Accounts held together add up to one figure, with borrowing subtracted rather than listed beside it. Several portfolios can be combined into a household view, so brokerage, pension, cash and property resolve to a single number.
Underneath it sit the things a balance alone will not tell you: what went in originally, what the capital has done since, what the dividends added, and a money-weighted return over the whole thing.
AllInvestView
The tax rules where you actually file
Rate bands, holding-period treatment and the loss rules that go with them come preconfigured per country, and every one of them stays editable. Spain gets Modelo 720 valued at the rates its law requires; Ireland gets the eight-year deemed disposal on its own clock.
Withholding on dividends is handled separately, with gross and net both carried through rather than quietly netted, because the two numbers go in different boxes on most returns.
AllInvestView
The property, with the mortgage doing its job
A home or a rental is usually the largest line in a net worth figure and the one most tools reduce to a number you type in. Here a property keeps its purchase price, its valuation history and its loan, so equity is derived rather than estimated.
For anything let out, the rental side is modelled too: net operating income, cap rate, cash flow, cash-on-cash return, and the debt ratios a lender would look at.
AllInvestView
Free plan, no credit card. Starter at $6.99/month, or own it once with the lifetime deal.
Create a free accountMove your history
Empower builds its dashboard by linking to the institutions holding your money. The rebuild here works the same way, just pointed at a wider set of them.
- Link the brokers directly and each one sends its trades, not only the positions still open, which is what makes a cost basis possible.
- Where an institution is not reachable, its statement covers the same ground in whatever format it exports.
- Property, private holdings and anything without a ticker go in as custom assets with their own valuation history.
- A person can take the whole pile off your hands and reconcile it if you would rather not.
Questions reach somebody who opens your account and answers them. Nobody here sells advice, manages money or earns a percentage of it, so the conversation is about your import or your gains figure and nothing else. Rated 4.5 on Trustpilot across 27 reviews.
See how support worksQuestions people ask about Empower (Personal Capital)
Is Empower the same thing as Personal Capital?
Yes. Personal Capital was bought by Empower and took the Empower name in 2023. The free dashboard survived the rebrand and is now the Empower Personal Dashboard.
Can I use Empower from Europe?
Its account linking and its planning tools are built for US institutions and US retirement accounts. If your brokers and your tax year sit elsewhere, that is the part that does not travel.
Does Empower work if I live in Europe?
Its aggregation and its planning are shaped around US institutions and US retirement accounts, so the further your brokers and your tax year sit from that, the less of the product applies. The dashboard idea travels fine; the plumbing underneath it is what does not.
Is Personal Capital the same as Empower now?
Same product, different name. Empower acquired Personal Capital and retired the old brand in 2023. People still search for both, which is why this page answers to either.
Can I hold several currencies without the totals going wrong?
Yes, and the rate is applied per lot at the date it applies to, not once at the end. Each holding keeps the rate it was bought at and the rate it was sold at, so you can see whether a dollar position actually made anything in euros. Every portfolio reports in whichever currency you choose.
Will I get a figure I can put on my tax return?
That is what the capital gains report is for. Each disposal is matched to the lot it came from under the rules of the country you select. The same year can be run through FIFO, LIFO, HIFO and average so the difference between them is a number rather than a guess. It leaves as PDF, Excel or CSV for whoever files it.
Is anyone going to ring me about wealth management?
No. There is no advisory arm here and no assets under management, so there is nothing to route you into. The free tier is one portfolio and ten equity positions, kept free rather than used as a lead list.
Personal Capital launched in 2009, was bought by Empower and took its name in 2023, and the free dashboard came through intact. If you are American, hold a 401(k) and want to know whether retirement works, the Retirement Planner and the fee analysis are worth having and cost nothing. The advisory service behind them starts at $100,000 and 0.89% a year, tiering down to 0.49% at the top. None of that is a reason to leave if it fits you. For the fuller comparison, read Empower vs AllInvestView.
Disclaimer: This comparison is based on independent research conducted in 2026, with pricing verified on 2026-09-17. We are not affiliated with Empower (Personal Capital) or any third-party product mentioned. Pricing and features may change. Please verify details on each platform's official website.