Best Empower Alternatives in 2026
Empower (formerly Personal Capital) offers free financial tracking, but it's primarily a wealth management firm that uses the free tools to market advisory services. If you want a budgeting app that's focused on budgeting — without the sales pitches — these are better choices.
Why People Look for Empower Personal Dashboard Alternatives
- Primary business is wealth management — free tools are a lead generator
- Expect sales calls and emails promoting advisory services
- Budgeting features are secondary to investment tracking
- Requires linking all financial accounts for full functionality
Top 5 Empower Personal Dashboard Alternatives
MyPB
Free (Early Access)Zero-based budgeting with complete privacy. No bank linking, no data selling, no third-party access to your finances. Manual transaction entry keeps you aware of every dollar. Includes category goals, Plan view, multi-account tracking, net worth monitoring, and detailed reports.
Try MyPB FreeYNAB
$14.99/moPurely focused on budgeting. No investment sales, no upsells — just a budgeting tool that does its job well.
Visit YNAB →Monarch Money
$14.99/moInvestment tracking without the wealth management sales pitch. Clean budgeting + investing in one app.
Visit Monarch Money →Goodbudget
Free / $10/moNo bank linking, no investment tracking, no sales pitches. Just straightforward envelope budgeting.
Visit Goodbudget →PocketGuard
Free / $7.99/moSimple spending tracker focused on your day-to-day budget. No investment features to muddy the experience.
Visit PocketGuard →Quick Comparison
| App | Price | Bank Linking | Key Strength |
|---|---|---|---|
| MyPB | Free (Early Access) | None | Privacy-first zero-based budgeting |
| YNAB | $14.99/mo | Optional | Purely focused on budgeting |
| Monarch Money | $14.99/mo | Required | Investment tracking without the wealth management sales pitch |
| Goodbudget | Free / $10/mo | None | No bank linking, no investment tracking, no sales pitches |
| PocketGuard | Free / $7.99/mo | Required | Simple spending tracker focused on your day-to-day budget |
Try the #1 alternative free
Privacy-first budgeting with no bank linking. Free during early access.
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