Empower Personal Dashboard vs Mint
Empower vs Mint: Net-Worth Tracking or Everyday Budgeting?
These two were never really the same tool. Empower Personal Dashboard, formerly Personal Capital, is a free service built around investments, net worth and retirement — its budgeting has always been an afterthought. Mint was the opposite: a free everyday budgeting and spend-tracking app, until Intuit shut it down in 2024. Since Mint no longer exists as a live product, the honest question is whether Empower fills the gap it left, or whether you need something else for the budgeting side.
Empower Personal Dashboard vs Mint: feature comparison
Feature comparison of Empower Personal Dashboard, Mint and Auritrack
| Feature | Empower Personal Dashboard | Mint | Auritrack |
|---|---|---|---|
| AI chat expense tracking | No | No | Yes |
| AI bookkeeping & categorization | Auto-categorizes synced transactions | No | Yes |
| Automatic bank sync | YesAggregates bank, card and investment accounts | YesHad automatic sync (now discontinued) | On the roadmap; statement import today |
| Bank-statement import (PDF/CSV/Excel) | NoRelies on live sync, not file import | No | YesPDF, CSV or Excel, read by AI |
| Budgeting | Basic cash-flow view, weak on budgeting | Yes | Yes |
| Savings goals | YesRetirement and savings planners | Yes | Yes |
| Invoicing | No | No | Small-business records and reports |
| Receipt scanning | No | No | Yes |
| All currencies with live conversion | NoUS and USD focused | NoUS-focused | YesLive exchange rates |
| Data export (PDF/CSV) | Limited export | Limited | YesPDF and CSV anytime |
| Telegram tracking | No | No | Yes@auritrack_bot |
| Investment tracking | YesPortfolio, fee analyzer, retirement planner | Partial | No |
| Shared / household accounts | Household accounts can be linked | No | Yes |
| Sells your data to advertisers | NoUpsells its own advisory, not ads | YesAd & recommendation model | No |
| Price | Free (dashboard) | Was free (discontinued) | Free tier + AI from $3/mo |
Which of the two should you pick?
Where Empower Personal Dashboard wins
- Still live and actively developed, unlike shut-down Mint
- Best-in-class investment, portfolio and net-worth tracking
- Retirement planner and investment-fee analyzer built in
- Free dashboard with live bank and brokerage sync
Where Mint wins
- Actually did everyday budgeting — Empower barely does
- Simple category budgets and goals anyone could set up
- Was free with automatic bank sync for spend tracking
- Note: discontinued in 2024, so this is what it did while it existed
A third option: Auritrack
Empower is strong on wealth but weak on budgets, and Mint, which handled the budgeting, is gone. Auritrack covers the everyday-spending side Empower neglects: an AI logs and categorizes your spending from a chat message or an uploaded statement, then holds you to a budget in any currency. It runs on a free tier for manual tracking, with AI features from $3/month or pay-as-you-go Auricoins, and has no live bank sync yet — you share a statement instead of a bank login.
The verdict
Empower is for people who mainly want to watch investments, net worth and retirement, and are fine with light budgeting — and it is still running, which Mint is not. If what you miss about Mint is the everyday budgeting and spend tracking, Empower will not really replace it. An AI tracker like Auritrack aims squarely at that budgeting gap, without the manual upkeep Mint used to save you.
Frequently Asked Questions
Want to dig into one of them on its own? Read the Empower Personal Dashboard guide or the Mint guide, each an honest look at where that tool wins and where Auritrack fits.
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.