Best Empower (Personal Capital) Alternatives in 2026
Empower, formerly Personal Capital, is a comprehensive financial planning and portfolio tracking platform offering free tools for net worth tracking, retirement planning, and investment analysis. Compare the top alternatives with better features, pricing, and tools for smarter investing.
About Empower (Personal Capital)
Who it suits: US-based investors focused on retirement planning and overall financial wellness.
- Advisory service starts at $100,000
- Entry advisory fee is 0.89% AUM
- No jurisdiction-specific tax reports
- No user-selectable cost-basis method
The alternatives
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 tracking platform that provides detailed analytics on investment performance and income reporting, including dividends.
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 tool designed for tracking investments and analyzing portfolio returns.
| Platform | Key Features | Pricing |
|---|---|---|
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Free portfolio tracking, Retirement planning tools, Investment fee analyzer, Connects to most US brokerages, Monte Carlo simulations | Dashboard free; advice 0.49%-0.89% AUM, from $100,000 |
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 |
|
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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Navexa
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Extensive dividend and tax tracking, Cryptocurrency support, Customizable reports | No free plan; 14-day trial, then from $7.50/month billed yearly |
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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) |
Our pick, and why
#1 Empower (Personal Capital) Alternative
AllInvestView
Portfolio tracking, analysis and tax reports
Everything you track in Empower (Personal Capital) can come across with its history intact. AllInvestView then adds returns for any period, past-date holdings, tax reports, and dedicated records for bonds, options, crypto and property.
Our take: Choose Empower if you are a US investor focused on retirement planning and want free tools to analyze fees and project savings. Choose AllInvestView if you invest globally, want advanced analytics across multiple asset classes, or need tax reporting for multiple countries without wealth management upselling.
Where that shows up against Empower (Personal Capital)
Free plan, no credit card. Pro at $6.99/month, or own it once with the lifetime deal.
Create a free accountMove your history
Bring your history over as a file. Export your transactions from Empower (Personal Capital) or straight from your broker, drop the file into the magic import, and it reads the layout instead of asking you to map columns. Cost basis and dates come across, so performance and tax reports start from your real history rather than today's balance.
Open the magic importQuestions people ask about Empower (Personal Capital)
Is Empower the same as Personal Capital?
Yes, Personal Capital was rebranded to Empower in 2023. The free financial tools remain available under the Empower brand.
Does AllInvestView have retirement planning like Empower?
AllInvestView offers Monte Carlo simulations for portfolio projections. For US-specific retirement planning with 401k optimization and social security analysis, Empower is more specialized.
What is the best Empower (Personal Capital) alternative?
AllInvestView covers the portfolio tracking you use Empower (Personal Capital) for, then adds returns for dates you choose, past-date holdings and capital gains reports. It also tracks bonds, options, crypto and property alongside stocks and funds.
How much does Empower (Personal Capital) cost?
Dashboard free; advice 0.49%-0.89% AUM, from $100,000. AllInvestView has a free plan, paid plans from $6.99/month with annual billing, and a one-time lifetime option. Paid plans add broker sync, longer history, portfolio analysis and tax reports.
Can I import my data from Empower (Personal Capital) to AllInvestView?
Yes. Export the full transaction history from Empower (Personal Capital) or your broker, then upload the file. Magic Import reads the column layout, identifies the securities and shows every row for review before saving it, so cost basis and performance start from the complete record.
Does AllInvestView support automatic broker sync?
Yes. Supported broker accounts connect read-only, refresh each night and can be refreshed on demand. When a broker is not covered, import its transaction file and reconcile the result against the broker record.