Empower

Empower (formerly Personal Capital) pulls all your bank accounts, investments, and credit cards into a unified dashboard. You see your net worth in real time and track spending against custom budget categories. The free version covers all these core features, with optional paid advisory services for those who want professional investment management.

Best for people who want a complete financial picture without ongoing fees. If you prefer automated aggregation over manual entry and care about investment tracking alongside budgeting, Empower is one of the oldest and most established options. Works better for those comfortable linking bank accounts versus those who prefer privacy-first manual tracking.