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.
| 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 | Free trial, then paid plans | Free tools; paid advisory for larger balances |
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 free trial before paid plans.
Last reviewed: · Reviewed by the Richify team
Track your net worth, run calculators, and get built-in AI insights — all in one app. Start with a free trial.
Try Richify — Free TrialYes. 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.
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.
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.
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.
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.
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.