Pure Benchmarks · Alternatives

Empower Personal Dashboard Alternatives in 2026

Short answer

Empower Personal Dashboard is the most widely used free aggregator, built around allocation and retirement planning rather than decision review. It falls short on 5 of the capabilities scored here, starting with Real investor peers. Ranked by how many of those gaps each one closes, the strongest alternative is Pure Benchmarks, which covers 4 of the 5. Kubera is the closer fit for people whose wealth sits across brokerages, real estate, private holdings and crypto rather than in one account.

People search for an Empower Personal Dashboard alternative for one of two reasons: the price stopped making sense, or the tool answers a different question than the one they actually have. Empower Personal Dashboard is the most widely used free aggregator, built around allocation and retirement planning rather than decision review, priced at free dashboard. This page compares it against Pure Benchmarks, Kubera, Morningstar Investor and Sharesight on the capabilities that separate portfolio benchmarking tools from one another, using each vendor's own published pages rather than marketing summaries. Pure Benchmarks is our own product and is marked as such throughout, with its gaps listed in the same table as everything else.

What Empower Personal Dashboard does well

Aggregates retirement plans, brokerages, loans, cards and cash in one free dashboard. Investment Checkup assesses portfolio risk, analyzes past performance and proposes an alternative allocation. Budgeting and retirement planning live alongside the portfolio view. It is built for people who want one free dashboard for net worth, budgeting and a high-level allocation check, and if that describes you there is no strong reason to move. The dashboard and Investment Checkup are free. Empower also sells advisor-managed portfolios for an advisory fee, which is a separate product.

Why people look for an Empower Personal Dashboard alternative

Scored against the rest of this category, Empower Personal Dashboard falls short on 5 capabilities: Real investor peers; Risk-matched cohort; Decision scoring; Advisor tracking; Non-market assets. Compares you to benchmarks and to a target allocation, never to other real investors. No scoring of individual buy or sell decisions. None of that makes it a weak product; it makes it a product built around a different question. The alternatives below are ranked by how many of those gaps each one closes.

How each alternative compares to Empower Personal Dashboard

Pure Benchmarks (Free account) closes 4 of the 5 gaps, including Real investor peers. Kubera ($250 per year, or $2,500 per year for Black) closes 1 of the 5 gaps, including Non-market assets. Morningstar Investor (Subscription, free trial) closes none of the scored gaps but is the better fit on price or coverage. Sharesight (Free plan up to 10 holdings, paid plans above that) closes none of the scored gaps but is the better fit on price or coverage. The table below scores all of them on the same capabilities, so the comparison reads the same way for every row.

Who should stay with Empower Personal Dashboard

Empower Personal Dashboard already covers these, and switching costs you the history you have built: Index benchmark; Multi-custodial; Free real output. Moving makes sense only when the question you have changed. Empower Personal Dashboard is strongest for people who want one free dashboard for net worth, budgeting and a high-level allocation check, and no tool on this page replaces it on that axis.

How this comparison works

Which Empower Personal Dashboard alternative actually closes the gap you are trying to close?

The first question is what each tool compares you against. Every tool here benchmarks against an index. Far fewer compare you against other real portfolios, and fewer still match that peer group on risk rather than on wealth.
The second question is whether anything is measured at the decision level. Portfolio return tells you the score; it does not tell you which of your changes produced it.
Free tiers are judged on whether they produce a real report on your real portfolio, not on whether a trial exists.
Capabilities were verified against each vendor's own published pages on the date shown. Vendors change features and pricing, and some do not publish a price at all; where that is the case it is marked rather than guessed.
Pure Benchmarks is our own product. The two things it does not do are listed in the same table as the seven it does, and the limitations section for it is the longest on the page.
Monarch Money, Quicken Simplifi and Seeking Alpha also sit near this category and are worth your own look; they are built primarily around budgeting, personal finance or research rather than portfolio benchmarking.

The comparison

Capabilities verified against each vendor's published pages on September 17, 2026.

Capability	Empower Personal Dashboard	Pure Benchmarks	Kubera	Morningstar Investor	Sharesight
Real investor peers	No	Yes	Partly	No	No
Risk-matched cohort	No	Yes	No	No	No
Index benchmark	Yes	Yes	Yes	Yes	Yes
Decision scoring	No	Yes	No	No	No
Advisor tracking	No	Yes	No	No	No
Multi-custodial	Yes	Yes	Yes	Partly	Yes
Free real output	Yes	Yes	No	No	Partly
Non-market assets	Partly	No	Yes	No	No
Budgeting	Yes	No	No	No	No
Price	Free dashboard	Free account	$250 per year, or $2,500 per year for Black	Subscription, free trial	Free plan up to 10 holdings, paid plans above that

✓ yes · ~ partly · ✗ no

What each capability means

Compares your portfolio to other real investors, not only to an index

An index does not hold what you hold, did not pay what you paid, and never sold in March. Comparing yourself to other real portfolios answers a different question: whether people in your situation did better with the same market.

Peer group is matched on portfolio risk rather than net worth or self-selection

A conservative retiree and a leveraged tech portfolio can hold identical net worth and share nothing else. If the cohort is not matched on risk, the comparison flatters or punishes you for your allocation rather than your decisions.

Benchmarks the portfolio against a market index or a chosen fund

The baseline everyone expects. It tells you whether you beat the market, which is useful and also the only question most tools can answer.

Scores each individual portfolio change against the portfolio you gave up

Portfolio-level return tells you the score. It does not tell you which of your own moves earned it. Attribution at the decision level is the difference between knowing you are down and knowing which change did it.

Shows whether an advisor or managed account added or cost value

If someone else is making the changes, the only fair review is the same one you would apply to yourself: did each change beat the portfolio it replaced, net of the fee.

Aggregates accounts held at more than one brokerage or custodian

Most people hold a 401(k) in one place and a brokerage in another. A benchmark run on one account in isolation measures a fragment.

Free tier produces a complete report rather than a countdown to payment

A 14-day trial is a sales window. You should be able to read the actual output on your actual portfolio before deciding whether the comparison is worth anything.

Tracks real estate, private holdings and self-custody crypto alongside securities

If a large share of your wealth sits outside a brokerage, a securities-only tool measures the visible half and calls it your portfolio.

Includes budgeting, cash-flow or spending tracking

Some people want one tool for spending and investing. Others want the investing side to stay uncluttered. Worth knowing which one you are buying.

Every tool in detail

Empower Personal Dashboard

The most widely used free aggregator, built around allocation and retirement planning rather than decision review.

Best for: People who want one free dashboard for net worth, budgeting and a high-level allocation check.

Pricing: The dashboard and Investment Checkup are free. Empower also sells advisor-managed portfolios for an advisory fee, which is a separate product.

Strengths

Aggregates retirement plans, brokerages, loans, cards and cash in one free dashboard
Investment Checkup assesses portfolio risk, analyzes past performance and proposes an alternative allocation
Budgeting and retirement planning live alongside the portfolio view

Limitations

Compares you to benchmarks and to a target allocation, never to other real investors
No scoring of individual buy or sell decisions
The free dashboard is also the acquisition funnel for the advisory service

Pure Benchmarks

The only tool here that scores your individual portfolio changes and ranks you against real investors sorted by portfolio risk.

Best for: Investors who want to know whether their own decisions, or their advisor's, actually worked.

Pricing: A free account produces the full benchmark report on a linked portfolio. There is no trial countdown on the comparison itself.

Strengths

Sorts every connected portfolio into one of nine standardized risk categories, from 100 percent equity to 90 percent fixed income, and ranks you inside your own category
Decision Benchmark scores each change you made against the portfolio you would still hold if you had left it alone
Applies the same decision-level scoring to advisor-managed and workplace accounts
Read-only by design and unable to move money in any linked account

Limitations

Does not track real estate, private holdings or self-custody crypto wallets, so a portfolio weighted outside brokerages is only partly measured
No budgeting, cash-flow or spending tracking of any kind
Requires a read-only brokerage connection; there is no manual-entry-only portfolio
Peer ranking depends on the connected dataset, so a highly unusual allocation has a thinner cohort to sit in

Kubera

The broadest asset coverage in the category, and the only other tool here that benchmarks you against real customers.

Best for: People whose wealth sits across brokerages, real estate, private holdings and crypto rather than in one account.

Pricing: Kubera Essentials is listed at $250 per year and Kubera Black at $2,500 per year, after a 14-day trial. There is no permanent free tier.

Strengths

Tracks stocks, crypto, real estate and private equity in one balance sheet
Club benchmarks compare your allocations and performance against aggregated data from Kubera customers with similar net worths
Calculates IRR across assets, including committed capital, calls and distributions

Limitations

The peer group is matched on net worth, not on portfolio risk, so allocation differences are not controlled for
No scoring of individual portfolio changes
No permanent free tier, and the Black tier is the most expensive option on this page

Morningstar Investor

The deepest fund and holdings analysis in the category, aimed at what you own rather than what you decided.

Best for: Fund-heavy investors who want overlap, style and fee analysis from the firm that rates the funds.

Pricing: Sold as a subscription with a free trial. A price is not published on the product page, so none is stated here.

Strengths

Portfolio X-Ray breaks down asset allocation, sector weightings, style and fees across funds and stocks together
Benchmarks can be selected across a range from aggressive to conservative, and indexes can be added for comparison
Backed by Morningstar's own fund research and ratings

Limitations

Analyzes what you hold, not whether the changes you made were the right ones
No comparison against other real investor portfolios
A trial rather than a free tier, so the analysis is behind a payment decision

Sharesight

The best record-keeping and tax reporting here, with benchmarking against any fund you choose.

Best for: Investors who want precise performance and dividend records across brokers, and tax reports at year end.

Pricing: A free plan tracks up to 10 holdings with no credit card. Benchmarking is listed on the Starter plan and above.

Strengths

Benchmarks a portfolio against any of more than 750,000 supported stocks, ETFs and funds rather than a fixed index list
Separates capital gains, dividends and currency movement in performance reporting
Strong multi-broker and multi-currency record keeping

Limitations

Benchmarking sits on the paid plans, so the free tier is record-keeping rather than comparison
The comparison target is always a fund or index, never another investor
No decision-level scoring and no advisor review

Your current platform won't show you how your portfolio ranks against real investors in the same risk category. Create your secure Pure Benchmarks account and see exactly where you stand.

See Your Free Benchmark Report

Frequently asked questions

What is the best Empower Personal Dashboard alternative in 2026?

It depends which gap you are trying to close. On capability coverage across this comparison, Pure Benchmarks scores highest, closing 4 of the 5 gaps. Kubera is the better pick for people whose wealth sits across brokerages, real estate, private holdings and crypto rather than in one account. Pure Benchmarks is our own product and is listed here with its limitations in the same table as every other tool.

Why would someone switch away from Empower Personal Dashboard?

Measured against the other portfolio benchmarking tools here, Empower Personal Dashboard falls short on Real investor peers; Risk-matched cohort. Compares you to benchmarks and to a target allocation, never to other real investors. If neither of those matters to you, staying is the cheaper decision.

Is there a free alternative to Empower Personal Dashboard?

Pure Benchmarks (free account with the full report). Sharesight (free up to 10 holdings). A trial is a sales window rather than a free tier, and a free plan capped at ten holdings is record keeping rather than analysis, so the table separates the two.

Which Empower Personal Dashboard alternative works across more than one brokerage?

Pure Benchmarks, Kubera and Sharesight read accounts at more than one custodian. Anything limited to a single broker is marked in the table rather than described in prose.

How were these Empower Personal Dashboard alternatives compared?

Each capability was checked against the vendor's own published pages on September 17, 2026. Anything a vendor does not publish is marked as unlisted rather than estimated. Vendors change features and pricing, so the verification date is shown on the page rather than implied.

Keep exploring

See how portfolios at a specific firm rank against real investors everywhere else:

New here? Read the portfolio benchmarking FAQ or the Pure Benchmarks blog.

This page is an information baseline for comparison only. It is not investment advice and not a recommendation to buy, sell, replace, or transfer any specific asset, account, or firm. Past performance does not guarantee future results. All figures shown are illustrative.