Empower Budget: See Your Full Financial Picture in One Free Dashboard
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Empower Budget: See Your Full Financial Picture in One Free Dashboard
Empower Budget helps you track spending, monitor cash flow, and plan for future goals—all from one intuitive dashboard.
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Empower Budget: See Your Full ...
What Is Empower Budget?
Empower Budget (formerly Personal Capital) is a free personal finance app that brings together your banking, credit cards, investments, and net worth in one place.
It provides a real-time snapshot of your financial life while offering smart insights into how you spend, save, and plan for retirement.
Empower Budget Overview
| Offer | Best For | Fees | Get Started |
|---|---|---|---|
| Budget Dashboard | Expense tracking, planning, cash flow | Free | Get Free Dashboard |
How Empower Budget Works
With real-time data synced across your accounts, it gives you the clarity and control you need to make smarter money moves.
- Create Your Account: Sign up for free and access your personal finance dashboard.
- Link Your Accounts: Connect bank accounts, credit cards, loans, and investments.
- Track Spending: View categorized spending by day, week, or month.
- Visualize Net Worth: Monitor assets vs. liabilities across all accounts.
- Plan Ahead: Use built-in retirement and cash flow tools to forecast your future.
Key Features & Benefits
| Feature | Benefit |
|---|---|
| Cash Flow Tracking | Monitor income vs. expenses in real time. |
| Budgeting Tools | Set spending targets by category and track progress. |
| Spending Insights | Visualize habits and identify savings opportunities. |
| Net Worth Tracker | See your complete financial picture in one place. |
| Investment Tracking | Monitor performance of your portfolios. |
| Retirement Planner | Forecast future savings and retirement readiness. |
| Bill Negotiation | Empower can negotiate select recurring bills on your behalf. |
| Get Free Empower Dashboard | |
Who Is Empower Budget For?
- Anyone looking for a free, all-in-one financial tracking tool
- Users who want to monitor their net worth and investments
- People just starting their financial journey
- Those wanting insight before hiring a financial advisor
Pricing
- Dashboard: Free – Includes all core budgeting, tracking, and planning tools
- Optional: Paid wealth management services (not required)
Last verified: July 2025
Trust & Security
- 4.8-star rating on App Store (273,000+ reviews)
- 4.4-star rating on Google Play (1M+ downloads)
- 256-bit encryption for account security
- Registered investment advisor for wealth management services
Frequently Asked Questions
Is Empower Budget really free?
Yes. The budgeting dashboard is completely free to use.
Do I have to link my accounts?
Yes, Empower works best when accounts are synced. Manual entry is not supported.
Can Empower help with retirement planning?
Yes, the app includes a free Retirement Planner tool based on your financial data.
What if I want professional help?
Empower offers optional advisory services for users with $100,000+ in investable assets.
Ready to See Your Whole Financial Life in One Place?
Create your free Empower dashboard and gain instant clarity over your money.
| Features & Access | Account Aggregation, Budgeting Tools, Expense Tracking |
|---|---|
| Fees & Pricing | No Monthly Fees |
| Perks & Value Adds | Portfolio Tracking |
| Platform Type | Desktop & App |
We appreciate your honest feedback. Share your real experience to help others make confident money decisions.
Jason Vitug –
Empower budgeting app excels in organizing financial accounts, from bank and credit card accounts to investment accounts. Its intuitive design helps users set and achieve savings goals efficiently.
Empower does more than just track expenses; it provides valuable insights into spending patterns, helping you refine your financial planning strategy.
What I liked most: Empower offers an in-depth look at your investment portfolio, ensuring you’re on the right path to financial growth.