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
- ·The same free account 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 | Free (every app) |
| 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.
Free: 25,000 AI tokens every month, every tool included. No card required.
Common questions
Is Blacknave cheaper than Personal Capital (Empower)?▾
Blacknave is free to start: every signup gets 25,000 AI tokens per month with all 21 apps unlocked. 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 and don't mind paying, Personal Capital (Empower) is fine. For most people, Blacknave's free monthly tokens are enough · buy a token pack ($3–$29) only if you have a heavy month.
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
- The same free account 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)
Do I have to pay to try Blacknave?▾
No. Every signup gets 25,000 AI tokens per month, free, with every Blacknave app unlocked. No credit card required to start. Buy a token pack only if you need more AI usage in a heavy month.
Try Blacknave free
Every app unlocked. 25,000 AI tokens per month, free. No credit card. Migrate from Personal Capital (Empower) with our CSV import on supported tools.
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