Empower & Personal Capital alternative
An Empower alternative that doesn't want to manage your money.
Empower's dashboard (formerly Personal Capital) is free because it's a front door to a wealth-advisory business. Clarity is paid software with nothing to sell you after it: no account linking, no advisor calls, no fee on your assets.
Join the waitlist — 10% off for lifeWhy the dashboard is free
The product is the lead, not the dashboard
Empower acquired Personal Capital in 2020 and kept its well-built free tools for a reason: a person who links every account and sees their whole net worth in one place is a qualified lead for wealth management. Cross a balance threshold and the advisors reach out, offering to run your money for a percentage of it — reported at roughly 0.89% a year.
None of that is hidden or dishonest; it's a legitimate business. It's just a different business from the one you want if you only came for a clear view. Clarity has no advisory arm, so the software is the whole product — and you pay for it directly, the honest way.
Empower vs. Clarity
An honest comparison
| Empower Personal Dashboard | Clarity Wealth | |
|---|---|---|
| Business model | Lead funnel for advisory | Paid software only |
| Account linking required | Yes — aggregation | No — forward documents |
| Sales/advisor outreach | Reported after linking | None |
| Strategy sleeves & rebalancing | Allocation views | Sleeves, drift, drafted trades |
| Hard assets in net worth | Manual, limited | House, cars, art included |
| Cost | "Free" dashboard; ~0.89% AUM to advise | $120/yr, flat |
On a $500k portfolio, that advisory fee is about $4,450 a year, every year. Clarity is $120 — see the full pricing math.
The other difference
Nothing linked, nothing to scrape
Empower's dashboard works by aggregation: you hand over the logins, it signs in for you. Clarity refuses that trade. You forward a statement or confirmation, across as many brokers as you like, and approve every number before it counts. Read the security model.
Switching from Empower, answered plainly
Common questions
What is Empower, and how is it related to Personal Capital? +
Empower acquired Personal Capital in 2020 and rebranded its free tracking tools as the Empower Personal Dashboard. The dashboard is the same lineage of net worth and investment tools; the company around it is a wealth-management firm.
Why is Empower's dashboard free? +
Because the free dashboard is a lead funnel for Empower's paid advisory service. You link your accounts, the tools size up your assets, and advisors reach out to manage your money for a percentage of it. Clarity has nothing to sell you after the software, so it simply charges for the software.
Will Empower call me to manage my money? +
Users with larger balances commonly report outreach from Empower advisors after linking accounts. Clarity has no advisory arm and no sales calls — there is no upsell because there is nothing to upsell.
Does Clarity require linking my accounts? +
No. Empower's dashboard relies on account aggregation — your logins, scraped. Clarity never asks for a credential; you forward documents and approve every number.
Is Clarity cheaper than Empower's advisory service? +
Far cheaper, and on a different basis. Empower's advisory fee is reported around 0.89% of assets per year — roughly $4,450 on a $500k portfolio. Clarity is a flat $120 a year, never priced on your assets.
The clarity, without the sales funnel
Join the waitlist with a verified email and get 10% off, for life — paid software, no advisor calls, no fee on your assets.