Best Personal Capital alternatives in 2026Rebranded to Empower — and quietly got worse
Personal Capital was a genuinely useful free investment tracker. Since Empower acquired and rebranded it, the free tier has been degraded and the push toward paid wealth management has intensified. Here are the best alternatives — starting with the one built specifically for investors who care about dividend income.
What changed when Personal Capital became Empower
- The platform was rebranded Empower Retirement — historically associated with 401(k) management, not personal finance tools
- The free investment dashboard is now treated as a lead generation tool for Empower's paid wealth advisory service
- Phone calls from Empower advisors are more persistent and frequent
- Data export and account portability have become harder to access
- No new features for self-directed investors since the rebrand
The best Personal Capital alternatives
divtracker.ai
Best for dividend investorsEverything Personal Capital offered investors — net worth tracking, portfolio performance, retirement projections — plus the dividend income and FIRE tools it never had. No advisor upsell, no ads, no data monetisation.
- Dividend income tracking (TTM, forward annual, yield-on-cost)
- Dividend calendar with ex-dates and payment amounts
- FIRE progress linked to actual dividend coverage
- Privacy-first: no account linking required
- No advisor push or financial data monetisation
- Free tier with unlimited holdings
Empower (the rebranded Personal Capital)
The direct successorIf you're using Personal Capital today, you're already on Empower. The free features have been reduced, the advisor upsell is more aggressive, and there's no new dividend or income tracking. But automatic account syncing still works for users who accept those trade-offs.
- Automatic bank and brokerage account sync
- Retirement fee analyzer
- Existing Personal Capital data carries over
Sharesight
Best for performance and tax reportingSharesight offers strong performance tracking with TTWROR and tax reporting tools. Particularly popular in Australia and New Zealand. No FIRE tracker or dividend calendar, but excellent if tax reporting is your priority.
- TTWROR and IRR calculations
- Automated tax reporting (CGT, franking credits)
- Broker integrations for auto-sync
Kubera
Best for diverse asset trackingKubera covers all asset classes — stocks, ETFs, crypto, real estate, and vehicles — in one net worth dashboard. More expensive than alternatives, but the most complete asset tracker if you hold non-standard assets.
- Crypto and alternative asset tracking
- Clean net worth dashboard
- Multi-currency
An investment tracker that works for you, not against you.
No advisor calls. No data monetisation. Just your portfolio, your dividends, and your progress toward independence.
Start free — no credit card required