MoneyPatrol vs Empower Personal Dashboard
Short answer
Empower Personal Dashboard is free because it is a lead generator for Empower's wealth-management service. MoneyPatrol is a paid, ad-free product with no advisor sales calls: day-to-day spending, bills, subscriptions, credit score and forecasting, plus an AI Copilot, from $49/year.
- No advisor sales calls — you pay for the software, not a wealth pitch
- Stronger day-to-day budgeting, bills and subscription tracking
- AI Copilot chat and cash-flow forecasting on every plan
- Credit score monitoring included; Empower focuses on investments
Feature comparison
| Feature | MoneyPatrol | Empower (Personal Capital) |
|---|---|---|
| Price | $49/year | Free dashboard |
| Advisor sales outreach | ||
| Day-to-day budgeting | Limited | |
| Subscription & price-hike detection | ||
| AI Copilot chat | ||
| Cash flow forecasting | Limited | |
| Credit score monitoring | ||
| Investments + net worth | ||
| Retirement & fee analysis | Basic |
Frequently asked
Is MoneyPatrol a good Empower Personal Dashboard alternative?
Yes, if you want day-to-day money management rather than an investment dashboard. MoneyPatrol adds budgeting depth, subscription alerts, credit monitoring and AI Copilot, and never routes you to a financial advisor.
Why pay when Empower's dashboard is free?
Empower's dashboard is free because it markets Empower's paid wealth-management service. MoneyPatrol has no ads, no data selling and no sales calls — you are the customer, not the lead.
Does MoneyPatrol track investments and retirement accounts?
Yes. Brokerage, retirement, crypto and real-estate values feed a single live net-worth figure updated daily.