Empower Review 2026: Is It Still the Best Free Net Worth Tracker?

💰 Take control of your money with Monarch Money (free trial + 50% off your first year): https://marriagekidsandmoney.com/monarchmoney Is Empower still worth it in 2026? I used Empower (formerly Personal Capital) for nearly 10 years, and it played a big role in helping my family grow our net worth to over $1 million. But today… I don’t even use it anymore. In this video, I share my honest Empower review after nearly a decade of use. We’ll cover what it still does well, where it’s fallen behind, and why I ultimately switched to a different tool. You’ll learn: • What Empower is and how it works • The pros (free net worth tracking, solid investment tools) • The cons (outdated UX, constant advisor prompts) • How it compares to modern tools like Monarch Money • Which tool might be best for your situation If you’re just getting started, Empower can still be a solid free option. But if you want a modern, all-in-one system to manage your money, there are better choices available today. Carpe diem. ⏱️ Chapters 00:00 Is Empower Still Worth It? 00:35 How Empower Helped Us Reach $1M 01:10 What Empower Does Well 01:20 Free Net Worth Tracking 01:45 Investment Tools and Insights 02:18 Where Empower Falls Short 02:30 Outdated User Experience 02:50 Push Toward Financial Advisors 03:10 Budgeting Limitations 03:30 Why I Switched to Monarch Money 04:00 Other Alternatives (Boldin, YNAB) 04:30 Final Verdict 🔗 Resources Mentioned Some of the links below are affiliate links. This means I may earn a commission at no additional cost to you if you choose to sign up. I only recommend tools I personally use and trust. Monarch Money https://marriagekidsandmoney.com/monarchmoney Empower https://marriagekidsandmoney.com/empower YNAB (Free Trial) https://marriagekidsandmoney.com/ynab Boldin https://marriagekidsandmoney.com/boldin 📘 Own Your Time (My Book) https://marriagekidsandmoney.com/book _____ MARRIAGE KIDS AND MONEY: This award-winning YouTube channel is dedicated to helping families build wealth and thrive. Each week, Andy Hill shares actionable advice and tips for family financial independence. Also, he interviews personal finance experts, families who've achieved financial independence and work optional parents to inspire you to do the same. BIO - ANDY HILL: Andy Hill, AFC® is the award-winning family finance coach behind Marriage Kids and Money - a platform dedicated to helping families build wealth and happiness. Andy's advice and personal finance experience have been featured in major media outlets like CNBC, Forbes, MarketWatch, Kiplinger’s Personal Finance and NBC News. With tens of millions of downloads and views, Andy’s message of family financial empowerment has resonated with listeners, readers and viewers across the world. When he's not "talking money", Andy enjoys being a Soccer Dad, singing karaoke with his wife and relaxing in his hammock. ✅ CONNECT WITH US Order My Book "Own Your Time": https://marriagekidsandmoney.com/book Follow On Instagram: http://instagram.com/marriagekidsandmoney Read our Blog: https://marriagekidsandmoney.com Listen to our Podcast: https://marriagekidsandmoney.com/podcast-archive/ Subscribe to my YouTube channel today to strengthen your family tree and live financially free! HOW WE MAKE MONEY & DISCLAIMER This show may contain affiliate links or links from our advertisers where we earn a commission, direct payment or products. Opinions are the creators alone, and this content has not been provided by, reviewed, approved or endorsed by any advertiser. Information shared on this channel is for entertainment purposes only and should not be considered as professional advice. Marriage Kids and Money (www.marriagekidsandmoney.com) is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com. CREDITS Research & Writing: Andy Hill, AFC® Video Editing: Hinz Video Thumbnail: Ardi, The Thumbnail Wiz Channel Management: Michelle Ahmed