An Empower (Personal Capital) Alternative for 2026
Empower (formerly Personal Capital) is free, but it’s designed to upsell its paid wealth-management service and centers on investment tracking rather than everyday budgeting. Tally Personal Finance is a dedicated budgeting and net worth app — real category budgets, spending trends, and subscription tracking — for a flat $9.99/month with no sales calls.
This comparison was written by the team that makes Tally Personal Finance. We've tried to be fair, but we're not neutral. Details about other products come from public information and can change, so check each company's own site before you decide.
Why choose Tally Personal Finance over Empower
- Real budgeting tools — Empower is strong on investments but weak on day-to-day category budgets; Tally Personal Finance is built around them.
- No advisory upsell or sales calls — Empower’s free dashboard funnels you toward its paid wealth-management service.
- Automatic subscription detection and AI insights focused on spending, not assets under management.
- Transparent $9.99/month pricing with no ads and no selling of your data.
- Full net worth tracking too — including manual assets like real estate and vehicles.
Side-by-side comparison
| Feature | Tally Personal Finance | Empower | Monarch |
|---|---|---|---|
| Primary focus | Budgeting + net worth | Investments | Budgeting + net worth |
| Price | $9.99/mo | Free* | $14.99/mo |
| Category budgets | |||
| Net worth tracking | |||
| Subscription tracker | |||
| AI insights | |||
| Advisory / sales upsell | None | Yes | None |
| No data selling |
Frequently asked questions
Is Empower really free?+
Empower’s personal finance dashboard is free, but the company makes money by promoting its paid wealth-management advisory service, and users with larger balances often receive sales outreach. Tally Personal Finance charges a flat $9.99/month and never upsells advisory services.
Is Tally Personal Finance better than Empower for budgeting?+
For everyday budgeting, yes. Empower is investment-focused and light on category budgets, while Tally is built around budgets, spending trends, and subscription tracking.
Does Tally Personal Finance track net worth and investments like Empower?+
Yes. Tally tracks net worth over time and lets you add investment accounts and manual assets such as real estate and vehicles — without the advisory upsell.
Will I get sales calls with Tally Personal Finance?+
No. Tally is a software subscription with no advisory arm and no sales calls. One flat price, every feature included.
Try Tally Personal Finance free for 30 days
No credit card required. One plan, every feature, $9.99/month.
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