View all Wealth Management / Net Worth Alternatives
Best Free Alternatives to Empower (Personal Capital)
Stop paying Free (Upsell to 0.89% AUM Fees). Discover professional-grade tools that won't break your budget.
Category: Wealth Management / Net WorthVerified for 2025
Top Recommended Replacements
Kubera
Best Premium Alternative
Why we like it
The 'Excel of Wealth Tracking'; tracks everything including Crypto, DeFi, NFTs, Real Estate (Zillow integration), and private equity; completely private (no data selling); zero upsells.
Keep in mind
No free tier; purely a tracker (no budgeting or transaction categorization features).
Ghostfolio
Best Open Source Investment Tracker
Why we like it
A privacy-first dashboard for your stocks and ETFs; tracks 'Net Worth' and 'Holdings' just like Personal Capital but runs on your own server (or their cloud); beautiful modern UI.
Keep in mind
Requires self-hosting (Docker) for the free version; focuses on investments, not general budgeting.
Fidelity Full View
FREEBest Free 'Big Bank' Tool
Why we like it
If you want the Personal Capital experience for free but without the sales calls, this is it; uses eMoney Advisor tech to aggregate accounts; includes budgeting and net worth tracking.
Keep in mind
Interface is dated compared to modern fintech apps; buried inside the Fidelity website.
Monarch Money
Best for budgeting & Net Worth
Why we like it
Built by the original Mint product team; handles both 'Budgeting' (like YNAB) and 'Net Worth' (like Personal Capital) in one app; highly collaborative for couples.
Keep in mind
Expensive ($100/yr); investment analysis is less deep than Personal Capital's fee analyzer.
GNU Cash
Best for Accountants
Why we like it
True double-entry accounting software; tracks stocks, bonds, and mutual funds with extreme precision; capable of handling small business accounting alongside personal finance.
Keep in mind
Steep learning curve; looks like Windows 98 software; no automatic bank sync (manual import only).
Firefly III
Best Self-Hosted Budgeting
Why we like it
The most popular self-hosted finance manager; features a powerful rule engine for categorizing transactions; strictly privacy-focused (your data never leaves your server).
Keep in mind
Requires technical skills to set up; lacks the 'Investment Fee Analysis' that makes Personal Capital famous.
Tiller
Best for Spreadsheet Lovers
Why we like it
Automatically feeds your bank transactions and balances into Google Sheets or Excel; allows you to build your own 'Personal Capital' dashboard using formulas.
Keep in mind
Requires spreadsheet skills to get value out of it.
ProjectionLab
FREEBest for Retirement Planning
Why we like it
Replaces Personal Capital's 'Retirement Planner'; runs detailed Monte Carlo simulations, tax-loss harvesting scenarios, and FIRE (Financial Independence) projections.
Keep in mind
It is a planner, not a daily tracker (you don't log coffee purchases here).
Exirio
FREEBest for Global Assets
Why we like it
Designed for expats and global investors; tracks assets in any currency; includes real estate and crypto; completely free for individual users.
Keep in mind
Bank connection coverage is lower than Plaid-based aggregators.
StockEvents
FREEBest Dividend Tracker
Why we like it
If you used Personal Capital mainly to see your portfolio income, this is better; visualizes exactly when you will get paid dividends.
Keep in mind
Mobile-first experience; limited budgeting features.
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