Empower (formerly Personal Capital)

Empower (formerly Personal Capital) offers the best free financial dashboard available. The platform aggregates all your financial accounts — brokerage, retirement, banking, credit cards, mortgages — into a single view with tools that analyze your net worth, cash flow, investment fees, and retirement readiness.

The free tools are genuinely excellent. The Retirement Planner runs Monte Carlo simulations to project whether you are on track. The Fee Analyzer shows you exactly how much your mutual funds and ETFs are costing you (often thousands per year more than you realize). The Investment Checkup analyzes your asset allocation and identifies gaps.

For investors with $100K+ in investable assets, Empower offers a paid wealth management service with dedicated financial advisors, tax optimization strategies, and custom portfolio management. The advisory fee starts at 0.89% and decreases as assets grow. The free tools alone make Empower worth signing up for, even if you never use the paid service.