divtracker.ai vs EmpowerFormerly Personal Capital — without the advisor push
Empower (formerly Personal Capital) is free — but the price is your data and your attention. The app is designed to funnel you toward its paid wealth management service. divtracker.ai is built for self-directed investors who want complete privacy and genuine dividend income tracking.
Feature comparison
| Feature | divtracker.ai | Empower |
|---|---|---|
| Dividend income tracking | ||
| Dividend calendar | ||
| FIRE progress tracker | ||
| Privacy-first (no account linking required) | ||
| No ads or upsells to financial advisors | ||
| Portfolio performance tracking | ||
| Net worth tracking | ||
| Retirement planning tools | ||
| CSV import | ||
| Data export (full history) | Limited | |
| Free tier available | ||
| Pushes paid advisor services | ||
| Monetises your financial data | ||
| Starting price | $0 / month | $0 (ad-supported) |
Choose divtracker.ai if
- You don't want to be sold wealth management services
- Your financial data privacy matters to you
- You want dividend income and yield-on-cost tracking
- You're working toward FIRE and want progress tracking
- You prefer a cleaner, less intrusive experience
- You want to export your full data at any time
Empower may suit you if
- You want automatic bank and brokerage syncing
- You're interested in Empower's human advisory service
- You need retirement fee analyzer tools
- Dividend income is not a core part of your strategy
Frequently asked questions
What is the difference between divtracker.ai and Empower (Personal Capital)?
Empower is free but monetises your data and continuously pushes its paid wealth management service. divtracker.ai is genuinely free for its core features, shows no ads, and never attempts to upsell you into managed accounts. For dividend investors, divtracker.ai also offers income tracking and FIRE tools that Empower lacks.
Is divtracker.ai better than Empower for dividend investors?
Yes. Empower tracks portfolio value and retirement balances but offers no dividend calendar, yield-on-cost tracking, or FIRE independence projections. divtracker.ai is purpose-built for income investors.
Is my data safe on divtracker.ai?
Your data stays local by default. divtracker.ai does not connect to your brokerage accounts or sell your information to advertisers or wealth managers. You import holdings via CSV.
Can I switch from Empower to divtracker.ai easily?
Yes. Export your holdings from Empower as a CSV and import directly into divtracker.ai. Most users complete the switch in under 20 minutes.
Track your portfolio without the noise.
No advisors. No ads. No account linking required. Just your portfolio, clearly.
Start tracking free