Quick answer

Empower (formerly Personal Capital) offers a genuinely strong free dashboard for net worth and investment analysis — and pays for it by upselling wealth management at 0.89%→0.49% of assets. Richify is a privacy-first tracker and educator: no bank login required, no advisory upsell, AI agents (Felix + specialists), and multi-currency coverage. Empower fits US investors who want free portfolio analytics; Richify fits those who want privacy, education and international, multi-asset tracking. Richify is a tracker and educator — not an investment adviser.

Pricing and features verified from public sources in 2026 and change frequently — confirm current terms on each provider's site. Educational comparison only — not financial advice.

Richify vs Empower

Empower's Personal Dashboard (formerly Personal Capital) is one of the most established free US net worth and investment trackers, with extensive account aggregation and a mature retirement planner — funded by a paid wealth-management advisory business.

Richify Wins

Tied

Empower Wins

Feature Comparison

Feature	Richify	Empower
Net Worth Tracking (USD)	✓	✓
401(k) / Roth IRA / HSA	Native account types	Via linked institutions
Property & Mortgage in Net Worth	Built-in, manual	Manual asset entry
Account Aggregation (auto-sync)	✗	Extensive US bank/broker sync
Privacy-First (no bank linking)	Manual entry, no linking	Requires linking to auto-sync
AI Explanations & Coaching	Built-in AI (Felix)	✗
What-If Scenario Planning	Recession, rates, Roth conversions, HSA	Retirement planner (rule-based)
Retirement Planner	Scenario-based	Mature retirement planner
Advisory / Sales Pressure	None — education only	Wealth-management upsell
Compare to US Net Worth Benchmarks	Age benchmarks (Fed SCF)	Some peer benchmarks
Multi-Country Support	7+ countries	US-focused
Pricing	7-day free trial	Free tools; paid advisory for larger balances

✅ Why Choose Richify

•Built-in AI (Felix) that explains your finances in plain English
•What-if scenarios: recession, rate changes, Roth conversions, HSA
•Property and mortgage included in net worth, not just accounts
•Privacy-first: manual entry, no bank linking required
•Education only — no wealth-management sales pressure
•Multi-country support beyond the US

⚡ Empower's Strengths

•Extensive automated US bank and brokerage aggregation
•Mature, well-regarded retirement planner
•Investment fee analyzer and portfolio checkup tools
•Hands-off auto-sync once accounts are linked
•Long-established brand and large user base

🏆

The Verdict

Empower is excellent if you want free, automated aggregation across US accounts and a polished retirement planner, and are comfortable with occasional advisory outreach for larger balances. Richify is the better fit for Americans who want built-in AI explanations, what-if planning (recession, rates, Roth conversions), property included in net worth, privacy-first manual entry, and zero sales pressure. Choose Empower for automation; choose Richify for clarity, privacy and planning. Richify offers a 7-day free trial.

Last reviewed: 2026-05-14 · Reviewed by the Richify team

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❓ Frequently Asked Questions

Is Richify a good Empower alternative?

Yes. Both track US net worth across 401(k), IRA, HSA, brokerage and property.

Richify differs with built-in AI explanations, what-if scenario planning (recession, rate changes, Roth conversions), property in the net worth view, privacy-first manual entry, and no wealth-management sales pressure. Empower is the better fit if you want extensive automated account aggregation and a mature retirement planner, and don't mind advisory outreach for larger balances.

Is Empower the same as Personal Capital?

Yes. Empower Personal Dashboard is the product formerly known as Personal Capital.

It offers free net worth and investment tracking with automated account aggregation, plus paid wealth-management advisory services aimed at higher-balance clients.

Does Richify require linking my bank or 401(k)?

No. Richify is privacy-first and manual-entry — you add accounts yourself, so your credentials are never shared with the app. Empower, by contrast, relies on linking accounts to auto-sync balances.

Will Richify try to sell me wealth management?

No. Richify is educational software: it explains, models, organizes and benchmarks your money, but never directs you to buy specific products and does not route you to financial advisors. Empower's free tools are partly a funnel for its paid advisory business.

Which is better for tracking property alongside investments?

Richify includes property equity and mortgages directly in net worth and in what-if scenarios. Empower centers on investment and bank accounts, with property added as a manual asset.

Does Richify give financial advice?

No. Richify is educational and does not provide personalized investment advice. AI helps you understand and plan, but it is not a replacement for a licensed professional.

Comparison is educational only. Features and pricing may change. We strive for accuracy but recommend verifying directly with each service.

Need more than an aggregation dashboard — crypto across wallets, private funds with capital calls, or a trust? Our Richify vs Kubera comparison covers the paid balance-sheet tools built for complex wealth.

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