Empower Personal Dashboard is free and strongest at investments and net worth across linked accounts, with budgeting and cash flow alongside. Xpenses only does the month: recurring bills, income and what will be left at the end, without linking accounts. For tracking investments, Empower does far more.
| Empower Personal Dashboard | Xpenses | |
|---|---|---|
| Price | Dashboard and tools are free; paid advisory services offered (Personal Strategy above $250,000 invested) | Free plan; Pro $3.99/month or $34.99/year |
| Platforms | Web sign-up, App Store and Google Play apps | Web app on any device; iPhone and Android apps in preparation |
| Bank connection | Connect all your financial accounts in one place | No bank connection needed: manual entry, statement import or photos of your banking app read on the device |
| Budgeting | Budgeting and cash flow: what is coming in and going out | Month-end forecast on the free plan; daily forecast with low-balance warnings in Pro |
Empower Personal Dashboard is the better fit if…
Empower suits people with retirement and brokerage accounts who want net worth and investments tracked for free.
Xpenses is the better fit if…
Xpenses suits people who want to plan monthly bills and see what is left at month end without linking accounts, and to share a wallet with a partner.
Sources
- Empower Personal Dashboard tools (2026-10)
Xpenses prices and features as of October 11, 2026.