You’ve never seen your money like this before. Reach your goals and take control of your financial life with Empower’s free app. Have all your financial accounts in one place, see your true net worth, plan for retirement, track your portfolio, and more.
At Empower we’re more than a financial tool. We’re professional-grade tech built to make a personalized experience that fits your needs.
MANAGE ALL YOUR ACCOUNTS IN ONE PLACE
Empower Personal Dashboard™ gives you a complete picture of your finances by bringing everything together– including bank accounts, 401k, IRA, investments, stocks, debt, and more.
TRACK YOUR NET WORTH
Use the net worth tracker to get an accurate view of your net worth—what you have minus what you owe. Understanding this number can help you make smarter decisions about how to manage your money.
PLAN FOR RETIREMENT
See if you’re on track to retire by your target date with the retirement planner and use the retirement calculator to enter hypothetical scenarios–you may even use one of them to turn into your new plan.
BUDGET YOUR EXPENSES
Organize your spending and savings automatically by date, category, or merchant to see if you are tracking over or under your plan.
SEE WHERE YOUR INVESTMENTS STAND
Stay on top of your investments by comparing your current portfolio allocation to an ideal target allocation that’s designed to minimize risk and maximize returns.
WE WORK HARD TO KEEP YOUR INFORMATION SAFE
You can rest assured it’s our security team’s primary job to safeguard your financial data. We use multiple layers of security, in every component of our systems, to protect your accounts, your money, and keep your information private.
Ready to take control of your finances — and your future?
All visuals are illustrative only.
Featured individuals are paid spokespeople and not clients of Personal Capital Advisors Corporation or Empower Advisory Group, LLC and do not make any endorsements or recommendations about securities offerings or investment strategy.
* For more information about Personal Capital Advisors Corporation or Empower Advisory Group, LLC advisory services, including fees and full disclosures, visit https://www.empower.com/personal-investors/wealth-management. © 2023 Empower Holdings, LLC. All rights reserved.
“EMPOWER” and all associated logos, and product names are trademarks of Empower Annuity Insurance Company of America.
Ratings and Reviews
Possibly the best personal finance app, but issues connecting Venmo.
Incredibly favorable dashboards and visualizations, better than any other for personally finance. I’m also a user of Mint (which is also good), and overall prefer Personal Capital. The investment allocation breakdowns are great, and intelligent recommendations are readily listed, though I wish that some better additional learning resources were immediately available within the app, tied to those intelligent recommended actions.
One incredible service that the app provides is free fiduciary services for users with over $100k in financial holdings. That has been a very nice surprise, and makes me feel even more confident that Personal Capital is in the user’s corner—I would have expected more predatory non-fiduciary financial advisor services, or a fee for service.
My only complaint is that Venmo constantly thinks that my account—which has been connected to the Personal Capital app, I believe through Plaid—is being hacked. I done have this issue with any of the other connected accounts I have with other financial institutions. It’s annoying, and paranoia inducing, but overall the app offers an incredible amount of value.
Great for seeing the big picture
I read a lot of online reviews of financial software offerings before I found Personal Capital. I love that I can get a big picture overview of my net worth, determine if I’m saving enough for my child’s education, if I’m saving enough for retirement, and seeing an aggregate of all my investments in one place. Also, like that it tracks my spending so I know how I well I’m keeping to a budget each month. In the past, I’ve tried tracking my finances using iBank, but it didn’t update automatically very well and was a lot of work to maintain. Personal Capital automatically updates everything, with the exception of my Capital One accounts, which apparently is an issue from Capital One’s end. A few drawbacks is not everything could be connected. For example, I couldn’t get my US Savings bonds and my NC 529 account to connect. I do like getting daily cash flow reports in my email. It allows me to easily confirm what I’ve spent on things before I’ve forgotten about them. Would definitely recommend this app and the desktop app as well. I ended up opening some accounts with Personal Capital/Empower after meeting with the investment advisor. So far earnings have not been great, but they appear to be on par with the economy at the moment. The meetings with the personal advisor have definitely been worthwhile and they provide very professional webinars on the current state of the economy as well.
Been using Personal Capital for over 5 years and it is very useful to be able to see your financial history at your fingertips. I have bought 2 homes and sold 1, been through market cycles, tracked retirement accounts and other financial accounts, and everything is there to see in the app and online. There is also other useful features like the retirement planner which allows you to get a good high level view of your retirement progress and add future events like home renovations or vehicle purchases, and asset allocation analysis and budget tracking. Really powerful financial tools!
They started out not offering additional advisory services but eventually moved into that space. It is optional, but they are somewhat pushy trying to get you to speak with their advisors (which is a paid service!). They will cold call about 1-2x per month. Luckily you can opt out of the paid advisory service and just use the financial tracking with the app which is still a useful benefit. I am sure they also get a handle on your “data” to understand aggregate trends of their customers (and who knows what else??). In any case, overall a fairly useful service!
Data Linked to You
The following data may be collected and linked to your identity:
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
Privacy practices may vary, for example, based on the features you use or your age. Learn More
- Personal Capital Corporation
- 90 MB
- Requires iOS 13.0 or later.
- Requires iPadOS 13.0 or later.
- iPod touch
- Requires iOS 13.0 or later.
- Requires macOS 11.0 or later and a Mac with Apple M1 chip or later.
- Age Rating
- © 2023 Empower Holdings, LLC. All rights reserved.
Get things done within this app using just your voice.