No ads, no sales calls
Empower's free product hands your portfolio size to a sales floor. wlthy charges a flat subscription — 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 free trial · No card required to import · Swiss-built · Cancel anytime
Your data never leaves Switzerland
We're Swiss-built with EU data residency, zero behavioural tracking, no analytics partners, no data brokers. 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 — everything below ships in the default plan or the 3-day trial.
| 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 ad tech · zero behavioural tracking · 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 |
| Estate-planning-ready wealth statementVerified PDF with QR hash · suitable for counsel, lending, KYC. | 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 |
| 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, no behavioural tracking, no 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
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, no behavioural tracking, no 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 — 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: €15.75 / month (White), €31.58 / month (Gray), €55.75 / month (Black). A 3-day free trial lets you import everything and see your real net worth before committing.
Leave the sales calls behind.
Import your assets, link your wallets, see your real net worth in minutes. Three days free, no card required, no advisor handoff. Ever.
3-day free trial · Cancel anytime · Swiss-built · Bank-grade security
“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.