Best overall replacement: Monarch Money. Best for investment tracking specifically: Empower’s old competitor Quicken Simplifi. Best if you refuse to pay: a spreadsheet and Fidelity Full View.

Empower’s March 2026 dashboard migration broke things. Not in a small, “give it a week” way. HealthEquity connections went down around March 11. Marcus by Goldman Sachs stopped syncing around March 4. Mr. Cooper mortgage links broke around March 17. And the redesigned dashboard doesn’t even recognize separate Empower Retirement accounts properly — which is ironic, given that tracking your Empower 401(k) alongside your other accounts was the entire reason most people used the free dashboard in the first place.

I’ve been an Empower user since the Personal Capital days. Over five years of net worth data, investment allocation history, and cash flow tracking. Watching the dashboard I relied on slowly degrade has been frustrating. The Bogleheads forum threads and Empower’s own support portal both confirm these aren’t isolated issues — they’re widespread, known problems as of mid-March 2026.

If you’re one of the users whose Empower dashboard went from “set it and forget it” to “constantly broken,” here’s what I’ve tested as replacements.

Quick Comparison: Empower Alternatives

App	Monthly Cost	Net Worth Tracking	Investment Analysis	Bank Connections	Best For
Monarch Money	$14.99/mo	Yes	Yes	Plaid (stable)	Full Empower replacement
Copilot Money	$14.99/mo	Yes	Basic	Plaid (stable)	Apple users, clean UI
Quicken Simplifi	$5.99/mo	Yes	Yes	Plaid + direct	Budget + portfolio view on a budget
Fidelity Full View	Free	Yes	Basic	Plaid	Free net worth tracking
Kubera	$15/mo or $150/yr	Yes	No	Plaid + crypto + manual	Complex assets (real estate, crypto, alternatives)

What Empower Gave You for Free (and What You’re Replacing)

Before picking an alternative, be specific about what you actually used. Empower’s free tier covered three things:

1. Net worth tracking across all linked accounts: bank, brokerage, retirement, mortgage, loans
2. Investment portfolio analysis: allocation breakdown, fee analyzer, retirement planner
3. Cash flow monitoring: income vs. spending over time

Most people used one or two of these. Not all three. If you only tracked net worth, you don’t need a $15/month budgeting app. If you relied heavily on the investment fee analyzer and retirement planner, your replacement options narrow fast.

The Alternatives, Ranked

Monarch Money — Closest Full Replacement

Monarch is the answer for most departing Empower users. It does net worth, investment tracking, budgeting, and cash flow in a single dashboard. I compared Copilot and Monarch in detail earlier this year, and Monarch won on breadth of features.

The investment tracking isn’t as deep as Empower’s was at its peak. You won’t get the fee analyzer or the retirement planner that Personal Capital built its reputation on. But you get portfolio allocation views, performance over time, and holdings across all your linked accounts. For 90% of what most people used Empower for, Monarch covers it.

Bank connections are stable. Monarch uses Plaid and has been proactive about the open banking changes affecting connection reliability across the industry. I’ve had my accounts linked for months without the random disconnections that plagued Empower in its final stretch.

$14.99/month. That stings when you’re coming from free. But Empower’s free tier was always subsidized by their wealth management upsell — the dashboard existed to funnel you toward paying a financial advisor 0.89% of your assets. You were the product. Monarch charges you directly, which means their incentive is to keep the dashboard working, not to sell you advisory services.

Good for: Anyone who used Empower for the full package: net worth plus investments plus spending. Couples can share a single subscription.

Skip if: You only tracked net worth and don’t want to pay $15/month for something you can approximate for free.

Security: Read-only Plaid connections. They can’t move your money. 256-bit encryption, SOC 2 certified. More detail in my Monarch review.

Copilot Money — Best Apple-Native Experience

Copilot is the app I reach for on my phone. The design is genuinely good — better than Monarch’s, if I’m honest. Net worth tracking, spending breakdowns, recurring transaction detection, and investment account visibility in an interface that feels like it belongs on iOS.

The investment tracking is more basic than Monarch’s. You’ll see holdings and balances, but the portfolio analysis isn’t as detailed. If Empower’s fee analyzer and allocation charts were what you cared about most, Copilot won’t fully replace that. If you mainly want to see your total net worth and track spending alongside your investment balances, it’s great.

$14.99/month (annual option brings it to ~$10.83/month). Same price as Monarch with slightly less investment depth but a much better mobile experience. I reviewed Copilot Money’s AI features in detail. The natural language search is useful for finding old transactions fast.

Good for: iPhone users who want something that looks and feels premium. People who value daily spending visibility alongside their net worth.

Skip if: You’re on Android (Copilot is iOS and Mac only), or investment analysis depth matters more than interface quality.

Quicken Simplifi — Best Value

At $5.99/month, Simplifi costs less than half what Monarch and Copilot charge. It covers net worth tracking, basic investment portfolio views, spending plans, and bill tracking. It’s not as polished as Copilot and not as feature-rich as Monarch, but it does the core Empower replacement job at a price that doesn’t feel absurd for something that used to be free.

I’ve been testing Simplifi alongside the pricier options, and it handles the fundamentals well. Bank connections through Plaid have been reliable. The spending plan approach is different from traditional budgeting (it focuses on what’s left to spend rather than category limits), which some people love and others find confusing.

Good for: Cost-conscious users who want the basics of what Empower offered without paying $15/month. If you mainly tracked net worth and glanced at investment allocations, Simplifi covers that at a reasonable price.

Skip if: You want deep investment analysis or a highly polished mobile experience. Simplifi’s interface is functional, not beautiful.

Fidelity Full View — Best Free Option

Fidelity Full View (formerly eMoney) is the closest thing to free Empower that still exists. You don’t need a Fidelity brokerage account to use it. Just a free Fidelity login. It aggregates accounts from other institutions via Plaid and shows your net worth, account balances, and basic spending.

The catch: it’s bare-bones. The interface feels like it was designed in 2018 and hasn’t been updated much since. No budgeting. No investment fee analysis. No spending categories. Just balances, net worth over time, and a basic snapshot of where your money sits.

But it’s free. And for legacy Personal Capital users who only ever opened the app to check their net worth number, that might be enough.

Good for: People who literally only want to see one number, their total net worth, updated automatically. The “is my financial life generally on track” glance.

Skip if: You want any analysis, budgeting, or insight beyond raw account balances. Full View is a dashboard, not a tool.

Kubera — Best for Complex Portfolios

If your net worth includes things Plaid can’t link — rental properties, crypto wallets, collectibles, private equity, foreign accounts — Kubera handles manual asset tracking alongside traditional linked accounts. It’s built for people whose financial picture doesn’t fit neatly into a bank-and-brokerage framework.

$15/month or $150/year. Pricey, but it’s the only tool on this list that lets you track a rental property’s estimated value alongside your 401(k) and your Bitcoin holdings in one view without janky workarounds.

There’s no budgeting or spending tracking here. Kubera is purely a net worth tracker for people with complicated asset mixes.

Good for: Real estate investors, crypto holders, people with alternative investments, anyone whose Empower dashboard required manual account entries for assets Plaid couldn’t reach.

Skip if: Your finances are straightforward (bank accounts, a 401(k), maybe a brokerage). You don’t need Kubera. Monarch or Simplifi will do.

What About Spreadsheets?

A Google Sheet or Excel template can do everything Empower’s net worth tracker did, minus the automatic updates. I maintained a net worth spreadsheet for two years before switching to Personal Capital, and honestly, the monthly ritual of logging in and updating numbers made me more aware of my finances than any automated dashboard did.

The downside is obvious: it takes 15-20 minutes per month, and it’s only as accurate as your last update. But if you’re leaving Empower specifically because you’re tired of broken connections and forced migrations, a spreadsheet never breaks on you. Spreadsheets vs. apps is a real debate, and this particular moment makes the spreadsheet argument stronger than usual.

How to Export Your Empower Data Before You Leave

Do this before you switch. Empower lets you download transaction history as CSV files. Go to the Transactions page, filter by date range, and export. Do the same for your net worth history if available under the Net Worth view.

Your investment allocation data and fee analysis results aren’t easily exportable. Screenshot them if you want a record. Empower doesn’t make this easy, which feels intentional.

If you’ve been on Empower since the Personal Capital days, you might have five-plus years of net worth data. That history has real value for understanding your trajectory. Screenshot your net worth chart. Copy the monthly figures into a spreadsheet. Don’t let years of data disappear because Empower made a migration decision you didn’t ask for.

Who’s Actually Affected by the March 2026 Migration?

Not everyone. If your linked accounts are all major banks (Chase, BofA, Wells Fargo, Schwab), you might not have noticed anything. The connection issues hit specific institutions hardest: HealthEquity (HSA accounts), Marcus by Goldman Sachs (savings), and Mr. Cooper (mortgage) are the most-reported. The Empower Retirement account recognition bug affects anyone who has a 401(k) through Empower’s retirement plan services and also uses the free personal dashboard. The system treats them as the same thing and gets confused.

If your dashboard is working fine, you don’t need to jump ship. But the pattern is concerning. Empower has been de-prioritizing the free dashboard since the Personal Capital rebrand in 2023. Features have stagnated. The wealth management advisory service ($100K+ minimum, 0.89% annual fee on the first million) is where their revenue lives. The free dashboard is a lead funnel that’s getting less investment every quarter.

How to Choose

You used Empower for everything (net worth, investments, cash flow): Monarch Money ($14.99/mo). It’s the most complete replacement.

You want Empower-like features for less money: Quicken Simplifi ($5.99/mo). Covers the basics at a third of the price.

You’re an iPhone user who values design: Copilot Money ($14.99/mo). Best mobile experience, slightly less investment depth.

You refuse to pay and just want net worth: Fidelity Full View (free). Ugly but functional.

You have crypto, real estate, or weird assets: Kubera ($15/mo). Built for complicated financial pictures.

The uncomfortable truth: Empower’s free dashboard was never really free. It was funded by converting free users into wealth management clients. Now that the conversion funnel matters more to them than the dashboard experience, the product is degrading. The alternatives cost real money, but they’re built by companies whose business model is “make the dashboard good” rather than “use the dashboard to sell something else.”

Pick one. Move your financial tracking. And export your Empower data before you do.

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Recommendations based on hands-on testing, March 2026. Verify current pricing and connection status before subscribing.