Comparison · wealth management dashboard
BlacknavevsPersonal Capital (Empower)
Now branded as Empower — net worth tracker that pushes you toward their wealth-management service. Below: an honest side-by-side comparison so you can decide which fits your situation.
Pick Personal Capital (Empower) if
- ·Free dashboard with bank linking
- ·Solid investment-fee analyser
- ·Regulated wealth-management arm (some users want this)
Pick Blacknave if
- ·No conflict of interest — we are not selling you investment management
- ·No bank linking required
- ·AI coaching on FIRE timeline, savings rate, withdrawal-rate scenarios
- ·Same $9/mo also gives you debt payoff, budget audit, rent vs buy
- ·No upselling phone calls about wealth management
Side-by-side
| Feature | Personal Capital (Empower) | Blacknave |
|---|---|---|
| Monthly price | Free dashboard | $9 (entire platform) |
| Sells investment service | Yes (0.89% AUM) | No |
| Bank linking required | Yes (for value) | No (manual + CSV) |
| FIRE timeline | Basic | Detailed scenarios |
| Debt payoff planner | — | Yes |
| Budget audit | — | Yes |
| Pushes phone calls | Yes | No |
Pricing summary
Free dashboard, but pitches you a 0.89% AUM advisory service for accounts > $100k.
$9 / month — all 21 apps included. 30-day free trial, no card.
Common questions
Is Blacknave cheaper than Personal Capital (Empower)?▾
On a per-app basis: Blacknave costs about $0.43/month per app ($9 ÷ 21). Personal Capital (Empower) costs Free dashboard, but pitches you a 0.89% AUM advisory service for accounts > $100k. for one app. If you only need that one app, Personal Capital (Empower) may be cheaper. If you use 2 or more categories (gym + finance + career, etc.), Blacknave wins on price quickly.
Why would I switch from Personal Capital (Empower) to Blacknave?▾
- No conflict of interest — we are not selling you investment management
- No bank linking required
- AI coaching on FIRE timeline, savings rate, withdrawal-rate scenarios
- Same $9/mo also gives you debt payoff, budget audit, rent vs buy
- No upselling phone calls about wealth management
Is Personal Capital (Empower) better than Blacknave for anything?▾
- Free dashboard with bank linking
- Solid investment-fee analyser
- Regulated wealth-management arm (some users want this)
Can I try Blacknave first?▾
Yes. Every Blacknave app is free for 30 days, no credit card required. The trial unlocks every product (gym tracker, finance tools, career tools, lifestyle apps). After 30 days you choose a plan or cancel — no auto-charge surprise.
Try Blacknave free for 30 days
Every app unlocked. No credit card. Migrate from Personal Capital (Empower) with our CSV import on supported tools.
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