No ads, no sales calls
Empower's free product hands your portfolio size to a sales floor. wlthy charges a flat subscription, so the only business model is keeping you happy, not handing you to an advisor.
Empower (Personal Capital) Alternative
A net worth tracker that
doesn't sell you to advisors.
Empower's free dashboard turns your portfolio size into a sales lead. wlthy is Swiss-built, paid by users, and never picks up the phone. Same multi-asset cockpit — without the cold calls.
3-day trial · Credit or debit card required · Paid subscription after trial · Cancel anytime
Looking for a Personal Capital alternative in Europe?
For a household with assets in different countries, compare currency support, account coverage and the way each tool handles property or private investments. wlthy lets you view your portfolio in EUR, GBP, CHF or USD and record assets manually or import a CSV.
Currency support does not mean every bank can connect automatically. Check your institution before relying on a connection; use manual entries or CSV import for accounts you track independently.
Before switching, list the accounts you need to track, choose your reporting currency, and check which imports are available. Then compare plans against the features you actually need. MCP connections to AI assistants require Black.
Explore spreadsheet import and multi-currency trackingYour data never leaves Switzerland
We're Swiss-built with EU data residency, zero advertising profiles and no data brokers. Analytics vendors never receive portfolio values, documents or form contents. The wealth data is yours, encrypted at rest with per-record versioned keys, and stays that way.
AI insights, not yesterday's UI
Premium Dark cockpit with Claude-powered narratives, per-asset briefs, sector + country allocation, anomaly detection, and an estate-ready Wealth Statement PDF with a verification QR.
Feature comparison
wlthy vs Empower (Personal Capital)
The lines where wlthy goes beyond Empower's consumer dashboard. Availability depends on your plan; check pricing for the features you need, including Black for MCP connections.
Swipe the table to compare all columns.
| Feature | Empower (Personal Capital) | wlthy |
|---|---|---|
| Sales calls / wealth-manager pitchesEmpower's free tier is a referral funnel; wlthy charges a flat subscription instead. | Yes: high-balance prospects routed to advisors | Never: paid by users, not by referrals |
| Behavioural tracking & data sale | Ad tech + analytics partners present | Zero ads · zero advertising profiles · no data sold |
| Data residency | US-only | Swiss-built · EU data residency |
| Modern UI & multi-currency lensUSD, EUR, GBP, CHF, JPY, TRY, AED, SAR, CNY native rendering. | Not supported | Supported |
| AI-powered portfolio insightsClaude-generated three-paragraph narratives + per-asset briefs. | Not supported | Supported |
| Consolidated Wealth StatementPDF of recorded assets and debts with a report-data hash and issuance lookup. Recipient evidence requirements vary. | Not supported | Supported |
| Granular partner / household accessCo-ownership splits per asset, per debt, per flow. | Joint accounts only | Supported |
| MCP / API access for Claude & ChatGPT agents | Not supported | Supported |
| OAuth connection for compatible AI assistantsConnect through the assistant's supported MCP setup and wlthy OAuth consent flow. AI connections require Black; setup depends on the client. | Not supported | Supported |
| Read-only by designNo payment-initiation scopes, ever. | Supported | Supported |
| Pricing transparency | Free · monetised via advisor referrals | Flat €15.75 / €31.58 / €55.75 per month |
Swiss-engineered
Built and operated by a small senior team. Predictability over novelty.
Privacy is the product
No ads, advertising profiles or data brokers. EU data residency.
Funded by users, not referrals
Flat subscription. No wealth-manager kickbacks. No upsells you didn't ask for.
Empower vs wlthy: frequently asked
What happened to Personal Capital?
Personal Capital was renamed Empower in 2023 after the Empower Retirement acquisition; the free net worth dashboard is now the Empower Personal Dashboard. If you came looking for the old Personal Capital and want a paid, ad-free alternative that never routes your portfolio to advisors, that is where wlthy fits.
Why look for a Personal Capital (Empower) alternative?
Empower's free dashboard is a marketing funnel for wealth-manager referrals. If your portfolio is over a six-figure threshold their advisors will call repeatedly. The product itself is solid but the business model is what most users want to leave behind.
How is wlthy different from Personal Capital / Empower?
wlthy is a paid subscription with no advisor pitch, advertising profiles or data sale and a modern Premium Dark UI. It adds AI-powered narratives (Claude per-asset and portfolio briefs), estate-planning-ready PDFs, granular partner access and MCP / API connectivity for agents. These are features Empower's consumer tier does not offer.
Does wlthy aggregate US bank accounts like Empower does?
wlthy is read-only by design and integrates with Stooq, CoinGecko and the ECB for live prices, plus direct on-chain reads for crypto wallets. Manual bank balance entry with CSV import is the standard flow for cash positions, by design, so wlthy never touches a payment-initiation scope.
Can households use wlthy together like a joint Empower account?
Yes — and at a finer grain than Empower allows. Each asset, debt and cash flow can be split with a co-owner by percentage; partner emails get an invite that mirrors the asset into their account at their share, with a Wealth Statement that always reflects the right side of the relationship.
How much does wlthy cost compared to Empower?
Empower's tracking is free because the advisory arm pays for it. wlthy's pricing is transparent and product-funded: annual billing works out to €15.75 / month (White), €31.58 / month (Gray), or €55.75 / month (Black), charged annually. Monthly billing is also available; see pricing for the full amounts and plan features. The 3-day trial requires a credit or debit card and becomes a paid subscription unless you cancel.
Keep exploring
Leave the sales calls behind.
Import your assets, link your wallets, see your real net worth in minutes. Try it for three days with a credit or debit card. A paid subscription starts after the trial unless you cancel.
3-day free trial · Cancel anytime · Swiss-built · Encrypted at rest
“Empower” and “Personal Capital” are trademarks of Empower Annuity Insurance Company of America. wlthy is not affiliated with, sponsored by, or endorsed by Empower. Feature comparison reflects publicly available information as of the page's last update and is offered for prospective-user evaluation.