Net Worth
$385KTop 42%PeakWorth
$4.2M+$182KNet Worth
$385KTop 42%PeakWorth
$4.2M+$182KFI Age
50y 1m-11moEmpower's free dashboard is solid for net worth tracking. The catch: it exists to funnel high-net-worth users into a 0.89% AUM advisory product. PeakWorth is the planning tool without the upsell.
Empower price
Free (advisory: 0.89% AUM)
Empower strength
Account aggregation
PeakWorth strength
Lifetime projection + FI Age
Sales calls
Empower yes, PeakWorth no
The free Empower (formerly Personal Capital) dashboard is a respectable net-worth aggregator. It pulls bank, brokerage, and 401(k) accounts and shows your asset allocation, fees on your funds, and a basic retirement planner. For tracking 'what do I own today,' it's fine.
Empower's free product exists to qualify users for their advisory service, which charges 0.89% of assets under management on the first $1M (lower above that). If you have $250K+ across linked accounts, expect proactive outreach from a 'wealth advisor.' Some users find that valuable; many don't.
0.89% AUM may sound small, but on a $500K portfolio it's $4,450/year — every year, growing as your portfolio grows. Over 20 years that's typically $150K+ in cumulative fees. A purpose-built planning tool plus a low-cost broker is a fraction of that.
Empower's retirement planner answers a single 'will I have enough' question. PeakWorth runs a full year-by-year deterministic simulation, models tax-advantaged account ordering, computes FI Age, supports dual-income households, and includes the Decision Hub (buy vs rent, bonus allocation, etc.) that Empower doesn't.
Empower's free planner answers one binary question — 'will I have enough at 65?' — as a success probability, then routes you to an advisor for the rest. PeakWorth takes the same linked-account picture Empower aggregates and instead runs a year-by-year deterministic projection to age 95, with federal + state taxes, account-ordering, Social Security, and inflation.
The output isn't a probability dial; it's your FI Age — the specific calendar year your portfolio reaches ~25× the expenses it must cover after Social Security — roughly 20× your total annual expenses. You see the dated year work becomes optional, and how each decision moves it, without a 0.89% AUM fee or a sales call attached.
Empower's free dashboard aggregates accounts and routes you to a 0.89% AUM advisory; PeakWorth is the planning tool without the upsell. Confirm current terms on Empower's site.
| Feature | PeakWorth | Empower (Personal Capital) |
|---|---|---|
| Annual fee | Flat $119.88/yr (~$9.99/mo); free Quick Start, no signup | Free dashboard; advisory ~0.89%/yr of assets |
| Account minimum | $0 — doesn't custody assets | $0 dashboard; advisory targets ~$100k+ |
| Automated portfolio management | No — it's the planning layer, not a custodian | Yes — via its paid advisory (~0.89% AUM) |
| Retirement output type | Dated FI Age — plus a year-by-year projection to age 95 | 'Will I have enough at 65' success probability |
| Tax-aware lifetime projection (federal + state) | Yes — year-by-year to age 95, all 50 states | Basic single-question planner |
| Decision modeling (buy-vs-rent, bonus, debt payoff) | Yes — the Decision Hub scores each decision's dollar-and-year impact | No |
| Dual-income household modeling | Yes — first-class (separate incomes, accounts, and goals) | Limited |
| Advisor sales outreach | No — ever | Yes — once linked assets cross ~$250k |
| Data export | Yes — CSV import/export of your data | Limited |
Generic articles can only go so far. PeakWorth runs every scenario against your real income, expenses, and goals — so you see the dollar-and-year impact of every decision before you make it.
Empower returns a 'will I have enough at 65' probability and then pitches its advisory. PeakWorth returns the actual year your portfolio reaches ~25× the expenses it must cover after Social Security — roughly 20× your total annual expenses, so you get a dated, decision-ready FI Age instead of a probability and an upsell.
Yes — the dashboard itself is free. The trade-off is account-level outreach for their 0.89% AUM advisory product once you cross ~$250K in linked assets.
For hands-off investors who want a managed portfolio and a human advisor, possibly. For DIY investors who already use index funds, the fee compounds against you significantly over decades.
Yes — many users use Empower for daily account aggregation and PeakWorth for the lifetime plan and FI Age.
No. PeakWorth is a strategy and projection tool. We do not manage assets, take referrals, or pass your data to third-party advisors.
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PeakWorth is the financial decision engine for households — your Personal Financial Strategy OS, a real-time engine that calculates every decision's impact on your future. The Decision Hub, an AI advisor, and a live projection that show you exactly how each move shapes your wealth and your FI Age.
