Empower Alternative and Personal Capital Alternatives 2026
No account needed for your first 3 conversions. We never store your bank login.
The best Empower alternative for most investors is Monarch Money at $99.99 a year, because it pairs net worth and investment tracking with a real budget. Quicken Classic Premier ($95.88 for the first year) suits investors who want lot-level capital gains on their own computer, and Kubera ($250 a year) suits people whose wealth sits in real estate, crypto or several currencies. Simplifi ($47.88 first year) is the low-cost pick.
Empower Personal Dashboard, the product that used to be called Personal Capital, is free, and that is the reason people start looking elsewhere. The dashboard is paid for by Empower's wealth management business, so it is built to show you your net worth and retirement picture and then introduce an advisor. People who want a tracker without that funnel, or who want a budget that goes deeper than Empower's, end up paying for a tool instead. The question is which one earns the money.
Prices below come from each vendor's own pricing page or help center, in US dollars before sales tax. Quicken's first-year prices are promotions for new memberships ordered directly on quicken.com by October 28, 2026.
| App | Price | Investment tracking | Budgeting | Platforms | Best for |
|---|---|---|---|---|---|
| Empower Personal Dashboard | Free dashboard, paid advisory offered | Strong: net worth, fee analyzer, retirement planner | Basic spending view | Web, iOS, Android | Investors who only want a free net worth view |
| Monarch Money | $99.99 a year or $14.99 a month, 7-day trial | Holdings, balances and performance | Full budgets, goals, shared household | Web, iOS, Android | Couples who want budget and net worth in one app |
| Quicken Classic Premier | $95.88 first year, billed annually | Deepest: lots, cost basis, capital gains estimates | Full budgets and reports | Windows and Mac desktop, companion app | Active investors who want a local data file |
| Kubera | Essentials $250 a year, Black $2,500 a year | Stocks, crypto, real estate, private assets, currencies | Not a budgeting app | Web and mobile | High net worth and multi-asset households |
| Quicken Simplifi | $47.88 first year, then $83.88 | Balances, cost basis, performance, quotes | Spending plan, bills, subscriptions | Web, iOS, Android | The cheapest paid replacement |
| Copilot Money | $95 a year or $13 a month | Investment accounts and performance | Categories, budgets, recurring | iPhone, iPad, Mac, web; no Android | Apple households that want a polished app |
Which Empower alternative is best for investors?
For investors who also budget, Monarch Money is the closest replacement: it links the same brokerage and retirement accounts, shows holdings and performance, and adds budgets and a shared household view that Empower never built. For investors who trade in taxable accounts and care about tax lots, Quicken Classic Premier is stronger, because it tracks cost basis per lot and estimates capital gains from data stored on your own computer.
The split comes down to where you want your data. Monarch is a hosted service you reach from any browser or phone. Quicken Classic keeps a file on your Windows PC or Mac, and on Deluxe and above that file stays readable after a subscription lapses. We compare the two in detail on Monarch vs Quicken, and the Premier upgrade is priced out on Quicken Classic Deluxe vs Premier.
Is there a Personal Capital alternative without advisor calls?
Yes. Every paid app in the table charges you directly and has no advisory service to sell, so there is nothing to call you about. That is the practical trade: Empower costs nothing because the dashboard feeds a wealth management business, while Monarch, Quicken, Kubera, Simplifi and Copilot cost $48 to $250 a year because the software is the product.
If your main use of Empower is its retirement planner, check what you would lose before switching. Monarch and Quicken both forecast, and Kubera has projections, but none copies Empower's planner screen for screen. Run a year of your own numbers through the trial before you cancel anything.
Which Personal Capital alternative tracks net worth best?
Kubera tracks net worth best when your assets go beyond brokerage accounts. It handles stocks, crypto wallets, real estate, private investments and accounts in different currencies in one balance sheet, and Kubera Black adds structures such as trusts and entities. At $250 a year for Essentials it costs more than any budgeting app, and it does not try to be one, so most people pair it with a simple spending tool or skip budgeting entirely.
For a household whose net worth is mostly 401(k)s, IRAs, a brokerage account and a home, Monarch or Quicken Premier covers net worth well enough and adds the budget for the same or less money.
How much does it cost to replace Empower?
Replacing Empower costs $47.88 to $250 a year for the apps most people consider. Over five years at today's prices, Simplifi totals $383.40, Copilot $475, Monarch Core $499.95 and Kubera Essentials $1,250. Quicken Classic Premier is $95.88 in the first year and renews at Quicken's then-current rate, so we do not project it.
| App | Year one | Later years | Five years at today's prices |
|---|---|---|---|
| Quicken Simplifi | $47.88 | $83.88 | $383.40 |
| Copilot Money | $95 | $95 | $475 |
| Quicken Classic Premier | $95.88 | Then-current rate | Not projected |
| Monarch Money Core | $99.99 | $99.99 | $499.95 |
| Kubera Essentials | $250 | $250 | $1,250 |
Price details for each are on Monarch Money cost, Simplifi pricing and Copilot Money cost.
Is Monarch a good Empower alternative?
Monarch is the best general-purpose Empower alternative for people who want budgeting and investments together. It connects the same kinds of accounts, shows net worth over time and investment performance, and lets a partner log in to the same household. It costs $99.99 a year, with a 7-day trial that asks for a card. It is weaker than Quicken Premier on tax lots and weaker than Kubera on private and foreign assets.
Can I move my Empower history to another app?
Partly. Empower lets you export transactions as a CSV from the web app: open Overview, then Transactions, set the date range and account tab, and click the CSV button next to the search field. The export only covers the range and account type you have selected, so widen both before you download. Monarch, Simplifi and Tiller accept CSV imports; account balances and investment history do not carry over and rebuild from the new app's own connections.
Export before you close the Empower account, and keep the file. Even if you never import it, a CSV of several years of spending is the only record you will have once the dashboard is gone.
What about my old Quicken files?
Many Empower users ran Quicken for years before Personal Capital, and that history sits in QIF exports that none of the cloud apps read. Monarch, Simplifi and Copilot want CSV. If you want that older history in your new app, export QIF from Quicken (see how to export QIF from Quicken), convert it with a QIF to CSV converter so each transaction becomes a dated row with payee and amount, and import it alongside your Empower CSV. Our Quicken to Monarch Money guide walks through that route for Monarch specifically.
If the destination is QuickBooks rather than a budgeting app, for example a side business or rental you are separating out, convert the same QIF to a QBO Web Connect file instead, which QuickBooks imports as a bank feed.
Is Quicken Premier better than Empower for investments?
For record keeping, yes. Quicken Classic Premier tracks each purchase lot, cost basis, dividends and reinvestments, and estimates realized and unrealized gains, which Empower does not do at lot level. Empower is better as a quick overview: its fee analyzer and retirement planner are its strengths, and it costs nothing. Investors who want to test a stock idea before buying can pair either with a tool that will turn a ticker into a fundamentals summary and backtest; neither tracker does research.
Which Empower alternative should I buy?
Buy Monarch if you want one app for budget and net worth, shared with a partner. Buy Quicken Classic Premier if you manage a taxable portfolio and want your data on your own computer. Buy Kubera if your wealth includes property, crypto or foreign accounts. Buy Simplifi if cost matters most. Keep Empower if you only look at net worth once a month and do not mind the advisory pitch. The wider field is on our Quicken alternatives page.
Related reading: Monarch vs Quicken, Monarch Money cost, Simplifi pricing, Quicken Classic Deluxe vs Premier, Quicken alternatives.