Empower Personal Dashboard alternative
The Empower Alternative for Budgeting Your Spending, Not Just Watching Net Worth
Empower Personal Dashboard, the tool that used to be Personal Capital, is very good at one thing: showing you your investments and net worth in one place. Where it has always been thin is the everyday side of money, the budgeting and the where-did-it-go tracking. If you opened Empower to control your spending and found a portfolio dashboard instead, Auritrack is the alternative that does the part Empower skips, with an AI that logs and categorizes for you so you actually keep it up.
- Pricing verified:
- Jul 2026
Two different jobs that get searched as one
Empower is built for investors. It aggregates your brokerage, retirement and bank accounts, checks your asset allocation, flags the fees eating your returns, and projects retirement. That is genuinely useful, and it is free because Empower hopes you will hand a $100,000-plus portfolio to its paid advisors. What it does not do well is help you set a monthly budget or see clearly where your salary goes before payday.
Auritrack starts from the spending side. You type “42 on lunch” and the AI logs and categorizes it, or you upload a bank statement and it sorts every transaction. Then it holds you to a budget. If you want to run the numbers first, the net worth calculator and budget planner are free to try.
Auritrack vs Empower Personal Dashboard, side by side
Feature comparison of Auritrack and Empower Personal Dashboard
| Feature | Auritrack | Empower Personal Dashboard |
|---|---|---|
| AI chat expense tracking | Yes | No |
| AI bookkeeping & categorization | Yes | Auto-categorizes synced transactions |
| Automatic bank sync | On the roadmap; statement import today | YesAggregates bank, card and investment accounts |
| Bank-statement import (PDF/CSV/Excel) | YesPDF, CSV or Excel, read by AI | NoRelies on live sync, not file import |
| Budgeting | Yes | Basic cash-flow view, weak on budgeting |
| Savings goals | Yes | YesRetirement and savings planners |
| Invoicing | Small-business records and reports | No |
| Receipt scanning | Yes | No |
| All currencies with live conversion | YesLive exchange rates | NoUS and USD focused |
| Data export (PDF/CSV) | YesPDF and CSV anytime | Limited export |
| Telegram tracking | Yes@auritrack_bot | No |
| Investment tracking | No | YesPortfolio, fee analyzer, retirement planner |
| Shared / household accounts | Yes | Household accounts can be linked |
| Sells your data to advertisers | No | NoUpsells its own advisory, not ads |
| Price | Free tier + AI from $3/mo | Free (dashboard) |
Empower Personal Dashboard: honest strengths and limitations
Empower Personal Dashboard: strengths
- investment and net-worth tracking
- retirement and fee-analysis tools
- live bank and brokerage sync
- free to use
Limitations
- weak budgeting and expense control
- US and USD only
- sales calls from advisors
- no AI or statement import
What Auritrack does that Empower does not
Empower shows you the score. Auritrack helps you change it. The difference is the daily loop: logging what you spend, categorizing it without effort, and checking it against a budget. Auritrack does that with plain-language chat or statement import, in any currency, and it works on the web, Android, iOS and Telegram. Empower is US and dollar only, with basic cash-flow rather than real budgets.
It is also worth being plain about the business model. Empower’s free dashboard exists to route you toward its paid wealth-management service, and users report the sales calls that follow. Auritrack does not sell your data and does not run an advisory arm trying to manage your portfolio.
Where Empower is genuinely better, and who should keep it
If your main question is “how are my investments doing and am I on track for retirement,” Empower is the stronger tool and Auritrack is not trying to replace it. Auritrack does not track investment portfolios, does not analyse fund fees, and does not model retirement. Empower links your brokerage and 401(k) accounts with live sync and gives you allocation and fee analysis Auritrack has no equivalent for.
The honest setup for a lot of people is both: Empower to watch the investments, Auritrack to run the day-to-day budget. They answer different questions and do not step on each other.
Set up spending tracking in Auritrack
Copy this prompt, create a free account, and paste it into the Auritrack AI chat. It sets up the budget and spending tracking Empower never gave you, so you can watch investments there and control cash flow here.
- 1
Copy the prompt
Grab the ready-made setup prompt below.
- 2
Create a free account
Sign up on the web app or mobile.
- 3
Paste into AI chat
Auritrack sets up your budget from it.
The honest verdict
Pick Empower if your priority is investments, net worth and retirement planning, and you are comfortable being a lead for its advisory service. Pick Auritrack if your priority is seeing and controlling what you spend each month, in your own currency, with an AI doing the logging. Many people keep both. Auritrack starts on a free tier, with the AI features on plans from $3 a month or pay-as-you-go Auricoins that never expire.
Where Empower Personal Dashboard still wins
- investment, portfolio and net-worth tracking
- live bank and brokerage account aggregation
- retirement planning and investment-fee analysis
Frequently Asked Questions
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Watch net worth, run the budget
Empower shows the score. Auritrack helps you change it.
Auritrack tracks and budgets your everyday spending with an AI that does the logging, in any currency, by chat or statement import. Keep Empower for investments and start Auritrack free.
Comparisons reflect our understanding of each product at the time of writing and may change; check each provider’s site for current pricing and features. Product names and trademarks belong to their respective owners. This page is general information, not financial advice. Budgeting app.