Empower Personal Dashboard

Empower’s dashboard does what a lot of paid net-worth trackers charge for, at no cost. Link your checking, savings, credit card, and investment accounts and it builds a single running net-worth figure, a spending breakdown by category, and two tools that set it apart from a basic aggregator: a retirement planner that projects whether you’re on track based on your actual accounts, and an investment fee checkup that flags expensive funds buried in a 401(k) or brokerage account.

The dashboard itself carries no subscription fee and likely never will, because Empower’s actual business is the wealth-management arm it’s attached to. If your linked accounts cross a certain threshold, often cited around $100,000 in investable assets, you may get pitched on a managed portfolio service charging roughly 0.49% to 0.89% of assets annually. Most people who use the free dashboard never sign up for that, and there’s no obligation to. It’s a strong fit for anyone who wants the spending and net-worth view of a paid app like Monarch without paying for it, in exchange for the occasional advisor pitch.