Empower vs Auritrack
Empower vs Auritrack: Net Worth or Everyday Budgeting?
Empower Personal Dashboard, formerly Personal Capital, is a strong free tool for watching investments, net worth and retirement, funded by upselling paid wealth management. Its budgeting has always been the weak part. Auritrack is built for the everyday side, tracking spending and building a budget. If you want portfolio depth, Empower wins; if you want daily money management, that is the gap.
- Pricing verified:
- Jul 2026
Empower Personal Dashboard vs Auritrack: feature comparison
Feature comparison of Empower Personal Dashboard and Auritrack
| 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) |
Which one is right for you?
Choose Empower Personal Dashboard if…
- You want investment, portfolio and net-worth tracking
- You want live bank and brokerage account aggregation
- You want retirement planning and investment-fee analysis
- You have a US portfolio and want free wealth tools
Choose Auritrack if…
- You want real budgeting, not a weak cash-flow view
- You want AI to track spending from chat or a statement upload
- You budget in a currency other than USD, or in naira
- You would rather not get sales calls from advisors
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 verdict
Pick Empower if your focus is investments, net worth and retirement, and you can ignore the advisory upsell. Pick Auritrack if you want to track spending and budget day to day, in your own currency, with AI doing the categorizing. Many people keep Empower for the portfolio view and use Auritrack for the everyday budget.
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
Looking to move off Empower Personal Dashboard specifically? Read the Empower Personal Dashboard alternative guide, which covers migration and what to expect after switching.
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Compare and switch
Ready to try Auritrack instead of Empower Personal Dashboard?
Auritrack does the bookkeeping for you — chat your spending or import a statement, in any currency. Start on the free tier and add the AI features when you want them.
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.