Best Personal Capital Alternatives (2026 Guide)

Looking for the best personal capital alternatives? Personal Capital (now Empower) has been a go-to choice for investors who want to see all their accounts in one place. It's free, comprehensive, and has solid retirement planning tools.

But since the rebrand to Empower in 2023, many users have grown frustrated with increased upselling, data privacy concerns, and the platform's read-only approach to portfolio management. If you're an active investor who wants to actually do something with your portfolio insights, Empower starts to feel limiting.

We tested and compared the best Personal Capital alternatives across pricing, features, and use cases — including our own tool, Portfolio Genius. Whether you want AI-powered trade suggestions, better retirement planning, or just a simpler dashboard without the sales pitches, there's a tool on this list for you.

For general investor guidance, visit FINRA's investor resources.

Personal Capital Alternatives: Quick Comparison

How do the top Personal Capital alternatives compare on the features that matter most? Here's a focused look at four leading options:

* Empower is “free” but generates revenue through advisory fees (0.89% AUM) and uses your financial data for sales targeting. See the full 8-tool comparison below.

Why People Leave Personal Capital (Empower)

Since Empower acquired Personal Capital in 2020 and completed the rebrand in 2023, we've seen a surge of users searching for Personal Capital alternatives. Here are the top reasons people switch:

Don't get us wrong—Empower is a solid tool for what it does. If you want a passive view of your entire financial life (bank accounts, credit cards, investments, retirement), it's adequate. But for active investors who want to optimize their portfolios, it falls short. Let's look at better Personal Capital alternatives.

The 7 Best Personal Capital (Empower) Alternatives

Complete Feature Comparison: All Personal Capital Alternatives

How do all seven Personal Capital alternatives stack up against each other? Here's the full feature matrix we compiled after testing each tool:

* Empower and Wealthfront are “free” but generate revenue through advisory fees (0.89% AUM) and managed investing fees (0.25% AUM) respectively. SigFig's free tier covers tracking only. Pricing as of March 2026.

Personal Capital vs Monarch Money vs Kubera (2026)

These three tools are the most common Personal Capital alternatives people compare head-to-head. Here's how they differ:

How Does Pricing Compare?

Here's how the costs compare across all seven Empower alternatives, plus Empower itself:

Note: Pricing as of March 2026. AUM = Assets Under Management. Some tools offer discounts for annual billing.

Empower vs Portfolio Genius: Feature-by-Feature

Since Portfolio Genius is our top pick, here's a detailed comparison with Empower across every key feature. See how the best Personal Capital replacement stacks up:

For a broader comparison of portfolio trackers, see our complete guide to the best portfolio tracking tools for DIY investors.

Why Does Data Privacy Matter?

When you link your accounts to Empower, you're sharing detailed information about your:

• Net worth and income levels
• Investment holdings and balances
• Spending patterns and cash flow
• Retirement account balances

This data is then used to target you with their wealth management services. If you have $500K invested, that's $4,450/year in fees if you sign up.

Several alternatives on this list—including Portfolio Genius, Monarch Money, and Kubera—take a subscription-based approach instead. You pay a transparent fee, and your data isn't used for cross-selling.

What Real Users Say About Switching

We hear from users every week about why they switched from Empower. Here are some common themes:

Interested in seeing how risk analytics work? Learn how to analyze portfolio risk without Excel.

Which Personal Capital Alternative Should You Choose?

The best Empower alternative depends on your investing style and what features matter most to you:

How to Switch from Empower to Portfolio Genius

Switching is straightforward—and you can use both tools during the transition:

Personal Capital Alternatives With AI Portfolio Analysis

One category of Personal Capital alternatives stands apart: tools powered by AI portfolio analysis. Unlike Empower's static dashboards, AI-powered alternatives actively analyze your holdings, identify risks, and generate personalized recommendations.

Portfolio Genius is the leading example. It uses large language models to evaluate your portfolio as a whole—spotting hidden correlations, assessing concentration risk, and suggesting specific trades to improve diversification and risk-adjusted returns. For a deep dive into how this technology works, see our guide to AI portfolio management software.

If you're comparing free options, our roundup of the best free AI portfolio trackers covers tools that offer AI analysis without a paid subscription.

Personal Capital Alternative for 401(k) and IRA Tracking

Many Personal Capital users relied on the platform specifically to track retirement accounts—401(k)s, IRAs, and Roth IRAs—alongside taxable brokerage accounts. If retirement account visibility is your priority, several alternatives handle this well.

Portfolio Genius lets you import holdings from any account type via CSV, giving you a consolidated view of your total allocation across retirement and taxable accounts. The AI analyzes your combined portfolio, so rebalancing suggestions account for your complete picture—not just one account in isolation.

For brokerage-specific guidance, see our Fidelity portfolio tracker guide, which covers importing 401(k) and IRA data from one of the most popular retirement account providers.

Frequently Asked Questions

The Bottom Line

Empower (Personal Capital) is still a decent tool for passive financial tracking. But the market has moved on, and there are now better alternatives for almost every use case—whether you want AI-powered investing, clean financial dashboards, detailed retirement planning, or simple free tracking.

For active investors, Portfolio Genius offers what Empower never could: personalized AI trade suggestions, direct execution, and comprehensive risk analytics without the advisory sales pitches.

The best part? Most of these tools offer free trials or affordable plans, so you can try them before committing. And there's nothing stopping you from using Empower alongside a specialized tool for the features it lacks.