An Empower alternative that never asks for a bank login
Empower's dashboard is free and genuinely useful, but it is built around US account aggregation and an advisory sales motion. MyMoneyViz keeps the live net worth view, drops the bank logins, and works in any currency.
What Empower does well
Empower Personal Dashboard, once called Personal Capital, is one of the best free financial dashboards ever built. You connect your accounts, checking and savings through 401(k), IRA, brokerage, mortgages, and loans, and you get net worth, cash flow, a budget view, a retirement planner, and a fee analyzer. For a US investor who wants a hands-off snapshot at no cost, it is hard to beat.
The dashboard is free because Empower is a wealth management company, and the tools feed its paid advisory service. A legitimate business model, and plenty of people use the free dashboard happily for years. It also shapes the product in ways that matter when you decide where your financial life lives.
Why people look for an Empower alternative
Three things send people looking. First, the sales motion. Once your connected accounts cross a certain balance, expect outreach from Empower's advisors, whose managed service starts around 0.89% of assets per year. If you only wanted a tracker, the call feels like the price of admission.
Second, it is fundamentally US-centric. Empower is a US wealth and retirement firm, and its account connections, advice, and single-currency dashboard are built for US users. If you hold accounts abroad, invest across currencies, or live outside the US, it fits poorly or not at all.
Third, like every aggregator, it needs the login for each account so a data provider can sync it. Empower encrypts credentials carefully and nobody there can read them. If you would rather never route bank and brokerage logins through a third party, no amount of encryption answers that.
MyMoneyViz vs Empower
MyMoneyViz reaches the same net worth snapshot from the other direction. You enter your positions once and it fetches live prices for your stocks, ETFs, and crypto in whatever currency you choose, so nothing depends on a bank connection or a US account.
| Feature | MyMoneyViz | Empower |
|---|---|---|
| Bank / brokerage login required | No | Yes (auto-sync) |
| Live automatic prices | ||
| Works outside the US | ||
| Multi-currency | ||
| Sells advisory / gets sales calls | ||
| Asset types | Stocks, ETFs, crypto, cash, real estate, debt | Bank, brokerage, retirement, loans |
| Price | Free to start | Free (advisory upsell) |
Empower details verified July 2026 from public reviews and empower.com. Empower's dashboard is US-focused; advisory fees start around 0.89% per year and step down at higher asset levels. Pricing and features may change.
Not a US-only, single-currency view
This is the difference most Empower users feel immediately. MyMoneyViz was built multi-currency from the start. You can hold a US brokerage position, a European ETF, and crypto, and see one consolidated net worth number in your home currency, with live prices converting automatically. There is no assumption that your financial life sits inside one country's banking system.
There is no advisory arm here, so there is nothing to upsell. The product has one job: show you your money clearly. No calls, no managed-account pitch.
Which one fits you
Empower is an excellent choice for a specific person. Here is the split.
- You are a US investor and comfortable connecting your accounts for auto-sync.
- You want the retirement planner and investment fee analyzer specifically.
- You do not mind, or actively want, contact from a financial advisor.
- Everything you track is denominated in US dollars.
- You would rather not connect any bank or brokerage login.
- You invest across currencies or live outside the US.
- You want live prices without an advisory upsell attached.
- You want a tracker that is only a tracker.
Getting started is fast
There is no aggregation to authorize and nothing to import from Empower. You re-enter the positions you already know, once.
- 1
Create a free account
No credit card and no bank connection. Signing up is the whole setup.
- 2
Enter your holdings
Add positions in any currency. Cash, property, and debts go in as manual values so your net worth is complete.
- 3
Live prices keep it current
Listed stocks, ETFs, and crypto update automatically in your chosen currency, no sync required.
- 4
Follow your goals
Set targets and watch net worth trend over time, without a single sales call.
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