6 Best Personal Capital (Empower) Alternatives in 2026: Net-Worth and Portfolio Trackers Compared
Net-Worth Tracker Guide · Updated 2026
6 Best Personal Capital (Empower) Alternatives in 2026
Personal Capital didn’t shut down — it rebranded to Empower in 2023 after Empower Retirement’s 2020 acquisition, and the free Personal Dashboard is still genuinely the strongest free wealth-tracking tool on the market. The reasons people look elsewhere haven’t changed: persistent wealth-advisory sales calls once your linked balance crosses $100,000, weak coverage of crypto wallets, real estate, private equity and other illiquid assets, and budgeting tools that lag dedicated apps. We compared the six strongest alternatives across what actually matters for net-worth and portfolio tracking — asset coverage, analytics depth, freedom from upsells and price.
People & Media may earn referral fees from some links in this article. Recommendations are based on platform research and publicly available pricing as of 2026. This is not financial advice. Connecting investment, bank or wallet accounts to any third-party tool carries data-security risk — review each provider’s privacy policy and use a unique strong password and two-factor authentication.
Empower works for a specific reader: someone whose wealth sits mostly inside publicly-traded investment, retirement and bank accounts that the platform can pull cleanly via aggregation. The free dashboard’s retirement planner, fee analyzer and asset-allocation visualisation are class-leading and have no real free rival. Where Empower lags is everywhere outside that core — crypto wallets are tracked manually at best, on-chain DeFi and NFT positions are essentially invisible, private real estate and equity holdings need workarounds, and budgeting is thin enough that most users pair Empower with a dedicated app. The six alternatives below split into three groups: a premium net-worth specialist (Kubera) for high-complexity portfolios, do-it-all apps (Monarch, Copilot, Quicken) for users who want strong budgeting alongside wealth tracking, and structurally different approaches (Tiller, Yieldstreet’s portfolio tracking) for niche cases. For closely related context, our Mint alternatives guide covers the broader field many ex-Empower users also evaluate, and our YNAB alternatives piece is the right next stop if you also need a budgeting layer.
Quick comparison
| App | Annual cost | Asset coverage | Portfolio analytics | Best for |
|---|---|---|---|---|
| Empower (for reference) | Free (advisory paid) | Public investments + bank | Retirement, fee analyzer, allocation | Free wealth dashboard |
| Monarch Money | $99.99 / yr | Public + manual alts & real estate | Investment tracking, allocation | Couples wanting wealth + budget |
| Kubera | $199 / yr | Crypto wallets, NFTs, RE, private equity | Net-worth focused, lighter on stocks | High-complexity portfolios |
| Copilot Money | $95 / yr | Public + manual alts | Solid investment tracking | Apple users & clean UX |
| Tiller | $79 / yr | Anything you build into a sheet | Template-driven | Spreadsheet power users |
| Quicken Classic Premier | ~$80–$130 / yr | Public investments + tax lots | Strongest tax / capital-gains tools | Tax-conscious investors |
| Yieldstreet (in-platform) | Free for clients | Yieldstreet alts + external linking | Limited (asset-class focused) | Existing Yieldstreet clients |
The most important columns above are three and four. If your wealth is concentrated in publicly-traded brokerage and retirement accounts, Empower’s free dashboard is still hard to beat. If you hold meaningful crypto, on-chain assets, real estate or private equity, Kubera is the only app on this list built natively for that picture. If you also want budgeting under one roof, Monarch or Copilot get you 80% of Empower’s tracking plus the budgeting Empower lacks — for under $100/yr.
Monarch Money
Wealth tracking and budgeting in one app — without the sales callsMonarch is the most-recommended switch for ex-Mint users and increasingly for ex-Empower users who never wanted the wealth-advisory pitch. At $99.99/year, you get auto-aggregated bank, brokerage and retirement accounts, manual support for real estate, vehicles and private investments, multi-user access for couples, plus actual budgeting tools that Empower’s dashboard mostly skips. The investment tracking is solid — allocation views, performance, account-level breakdowns — and there’s a Mint CSV importer for users who’re rolling forward old transaction history. What Monarch won’t give you is Empower’s depth on retirement projections or the fee-analyzer tool, both of which remain Empower’s strongest free features. For most users who want one app instead of pairing Empower with a budget app, Monarch is the cleanest single switch.
Pros
- No wealth-advisory sales calls — ever
- Real budgeting tools alongside wealth tracking
- Manual entry for real estate, vehicles, private holdings
- Multi-user access for couples included
Cons
- Retirement projection tools are weaker than Empower’s
- No native fee-analyzer comparable to Empower’s
- Crypto coverage is manual rather than wallet-linked
Kubera
The serious answer for crypto, real estate, private equity and complex portfoliosKubera is the one app on this list built specifically for the audience Empower under-serves: investors with meaningful holdings outside publicly-traded markets. Native integrations cover crypto wallets (read-only addresses for BTC, ETH and most major chains), DeFi positions, NFTs, brokerage and bank accounts, and you can manually track real estate, private equity, vehicles, art, watches — anything with a value you can update. Kubera also includes a beneficiary-management feature designed to surface the portfolio to a designated person if you stop logging in for a configurable period — a small but thoughtful estate-planning touch. Pricing is $199/year, the highest on this list, and the analytics are deliberately net-worth-focused rather than stock-pickers’ analytics. For high-net-worth or complex-portfolio users, Kubera tends to be the upgrade that finally feels accurate.
Pros
- Native crypto wallet, DeFi and NFT support — no other app on this list does this as well
- Comprehensive coverage of illiquid assets (real estate, PE, art, watches)
- Beneficiary feature for estate-planning continuity
- Clean, focused net-worth UX with no upsells
Cons
- $199/year is the highest price on this list
- Stock-level analytics are lighter than Empower or Quicken
- No native budgeting — pure net-worth tool
Copilot Money
Beautiful investment and net-worth tracking with strong AI categorisationCopilot has steadily expanded from a budgeting app into a credible net-worth tool, and at $95/year it’s the cheapest of the polished paid options. Investment tracking covers brokerage, retirement and crypto holdings (Coinbase and similar custodial exchanges integrate cleanly; on-chain wallets less so). The asset-allocation view, performance reporting and recurring-bill detection are all sharp, and the AI-driven categorisation continues to be the fastest-learning in the category. Apple-ecosystem polish remains noticeable, but the Android app has caught up enough that the difference is small for most users. For an Empower user who wants something cleaner-looking with built-in budgeting and doesn’t need Kubera-level alt-asset coverage, Copilot is the best-value pick.
Pros
- Cheapest polished paid app at $95/yr
- Solid investment and net-worth tracking with budgeting on top
- AI categorisation learns from edits very quickly
- Best-looking app in the category
Cons
- On-chain crypto wallets aren’t natively supported — manual or via custodial exchange only
- No native fee-analyzer comparable to Empower’s
- Apple ecosystem still feels strongest
Tiller
Build the net-worth tracker you actually want, in a spreadsheet you controlTiller’s pitch for Empower defectors is unique: instead of accepting whatever asset coverage an app offers, you link your accounts to Tiller and the platform pushes transactions and balances directly into Google Sheets or Microsoft Excel, where you build whatever you like on top. The Tiller community maintains free templates for net-worth tracking, monthly snapshots, asset allocation, debt payoff and tax-lot reporting. Pricing is $79/year, the second-cheapest paid option here. The trade-off is real: you’re now maintaining a spreadsheet, and the mobile experience is whatever Sheets or Excel mobile gives you. For ex-Empower users who specifically wanted “the underlying data” and were frustrated by the dashboard’s limits, Tiller is the structural answer.
Pros
- Total flexibility — track whatever you can put in a sheet
- Free community templates for net worth, allocation and tax
- $79/yr is among the lowest paid options
- Your data, your formulas, full export anytime
Cons
- Spreadsheet maintenance is real — not for everyone
- No native mobile UX
- Crypto wallet linking is manual or via custodial exchange feeds
Quicken Classic Premier
Desktop-grade investment and tax-lot tracking — the originalQuicken is the desktop personal-finance veteran (now owned by Aquiline Capital, separated from Intuit since 2016), and Quicken Classic Premier remains the most powerful tool on this list for serious investment and tax tracking. It pulls investment activity from most US brokerages, maintains tax-lot data, calculates capital gains and losses for tax filing, and runs Schedule B and D reports that other apps don’t touch. Pricing is roughly $80/year on first-year promotional rates and ~$130/year at standard renewal. The trade-offs are familiar: it’s desktop software (Mac and Windows), the UI shows its age, and there’s a learning curve. For a tax-conscious investor who’s been paying an accountant to reconstruct cost basis at year end, Quicken Classic Premier often pays for itself in saved professional fees.
Pros
- Strongest tax-lot and capital-gains tracking on this list
- Schedule B / D reports for direct tax filing
- Mature investment activity import from most US brokerages
- Decades-old data model means deep historical tracking
Cons
- Desktop software — mobile is companion, not primary
- UI feels dated next to Monarch and Copilot
- Subscription has tiers (Deluxe / Premier / Business) that are easy to misorder
Yieldstreet (in-platform tracking)
A useful adjunct if you already invest with Yieldstreet — not a primary trackerYieldstreet is primarily an alternative-investing platform — private credit, art, real estate, marine, structured notes — rather than a wealth-tracking app, but its in-platform portfolio dashboard has matured into a credible secondary tracker for users who hold meaningful Yieldstreet positions. The dashboard aggregates your Yieldstreet investments by asset type, surfaces distributions and capital activity, and (via account linking) can pull in external brokerage and bank balances for a consolidated net-worth view. It’s free for clients and useful for accredited investors with multiple alternative-asset positions; for everyone else, it’s not a primary alternative to Empower. After Yieldstreet’s 2024 acquisition of Cadre, the platform now also surfaces institutional commercial-real-estate holdings inside the same dashboard.
Pros
- Free for existing Yieldstreet investors
- Best in-platform tracking for Yieldstreet’s multi-asset alts
- External account linking for a consolidated view
- Now includes Cadre’s commercial-RE positions post-acquisition
Cons
- Not useful unless you already invest with Yieldstreet
- Most Yieldstreet deals require accreditation ($200K+ income / $1M+ net worth)
- Stock-level analytics are limited compared to Empower
Which alternative is right for you?
- Pick Monarch Money if you want one app for wealth tracking and budgeting, no advisory sales calls, and a clean UX worth $99.99/year.
- Pick Kubera if you hold meaningful crypto wallets, NFTs, real estate or private equity that Empower can’t track properly — and you’ll pay $199/yr to finally see them all in one place.
- Pick Copilot Money if you want the best-looking app at the lowest paid price among polished options, and your alt holdings are limited.
- Pick Tiller if you’ve always wished you could just see Empower’s underlying data — and you’ll happily build the dashboard you really want in a sheet.
- Pick Quicken Classic Premier if you want the strongest tax-lot and capital-gains tracking on this list and you’re comfortable with desktop software.
- Pick Yieldstreet’s in-platform tracking if you’re already an accredited Yieldstreet investor with multiple alternative-asset positions worth aggregating.
- Stick with Empower if your wealth lives mainly in publicly-traded brokerage and retirement accounts, you value the free retirement planner and fee analyzer, and you can ignore the occasional advisory call.
Our take: For most ex-Personal Capital users, the strongest single switch is Monarch Money — same wealth-tracking depth, no sales calls, and budgeting that Empower’s dashboard never seriously offered. If your portfolio is genuinely complex (crypto wallets, on-chain DeFi, real estate, private equity), Kubera is the only purpose-built answer at any price. Tax-conscious investors who care about accurate cost basis should look at Quicken Classic Premier — it’s the only tool here that does Schedule D reporting properly.
Frequently asked questions
What’s the closest direct alternative to Empower’s free dashboard?
Nothing on this list is free in the same way Empower is. The closest functional equivalents are Monarch Money ($99.99/yr) and Copilot Money ($95/yr), both of which match Empower’s net-worth and investment tracking and add real budgeting on top. If you specifically want free, Empower itself is the answer — the dashboard product is genuinely free and class-leading. The trade-off is the wealth-advisory sales pressure once your linked balance crosses $100,000.
Which alternative is best for tracking crypto wallets and DeFi?
Kubera is by a wide margin the best tool on this list for on-chain assets. It supports read-only crypto wallet addresses across BTC, ETH and most major chains, surfaces DeFi positions, and tracks NFTs alongside traditional holdings. Copilot supports custodial-exchange crypto (Coinbase and similar) but not native wallet addresses. Monarch and Empower are manual entry only for crypto. Tiller can support anything you can wire up in a sheet, but you do the wiring.
Which gives the best portfolio analytics on stocks and funds?
Empower’s free dashboard remains the strongest at retirement planning, asset-allocation views and the fee analyzer. Quicken Classic Premier is the strongest at tax-lot, cost-basis and capital-gains analytics — useful at year-end. Monarch and Copilot are solid but lighter on both fronts. Kubera is deliberately net-worth-focused rather than analytics-heavy.
Can I get Empower’s net-worth tracking without the sales calls?
Sort of. Empower’s wealth-advisory team typically reaches out once your linked investable balance crosses $100,000. You can decline calls and set communication preferences, but contact tends to recur. If you want a sales-pressure-free experience permanently, Monarch, Copilot, Kubera, Tiller and Quicken all qualify — none have an advisory arm pitching managed accounts.
Are these alternatives safe for connecting brokerage and bank accounts?
All use established third-party aggregators (Plaid, Yodlee, Finicity or MX) that read account data via read-only credentials and cannot move money. Connections are encrypted, and the providers are subject to financial-institution security audits. Best practice: enable two-factor authentication on each app and on each linked institution, use a unique strong password, and review your linked institutions at least quarterly. Kubera additionally lets you store crypto wallets via address-only (no private keys), which is the right way to track on-chain holdings.
Do these tools work outside the United States?
Coverage varies. Kubera has the strongest international support of the dedicated trackers and works in many countries via Plaid plus its own integrations — particularly useful for users with global crypto and brokerage exposure. Tiller supports many international institutions through Sheets or Excel. Monarch and Copilot have some Canadian coverage; UK and European coverage is limited. Quicken Classic is Mac/Windows desktop and supports US institutions primarily. Empower is US-only. Yieldstreet has historically accepted some non-US accredited investors, but eligibility varies by deal.
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