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Netaro vs Empower Personal Dashboard
Empower Personal Dashboard is a free, US-only net worth and budgeting tool that links to your financial accounts and funds itself by offering paid wealth management. Netaro is a private net worth tracker for iPhone and Android that works anywhere, never links to a bank and has no advisory upsell. Netaro is a private net worth tracker for iPhone and Android that puts stocks, crypto, cash, property, pensions, private equity, debt and valuables on one balance sheet, with no bank linking.
| Feature | Netaro | Empower |
|---|---|---|
| Price | Free. Pro is $5.99 a month or $39.99 a year, with a 14-day free trial on annual. | Free dashboard. Revenue comes from optional advisory services. |
| Availability | Worldwide, in any home currency. | United States only. |
| Bank and broker linking | None. Manual entry or broker CSV import. | Yes, links to US banks, brokerages, 401(k) providers and mortgages. |
| Where your data lives | On your device, plus an optional private cloud backup. | In Empower’s cloud, aggregated from linked accounts. |
| Budgeting and cash flow | Not a budgeting app. Focused on net worth and portfolio health. | Yes, transaction-level spending and cash flow. |
| Property | Value minus mortgage, fractional ownership supported. | Home value via Zillow estimate, minus a linked mortgage. |
| Pensions and tax wrappers | Wrapper-aware accounts: Pension, SIPP, Stocks & Shares ISA, Cash ISA, Lifetime ISA, 401(k), Roth 401(k), Traditional IRA, Roth IRA, HSA, 529 Plan, TFSA, RRSP, FHSA, RESP, RRIF, Superannuation, KiwiSaver, PRSA, ARF, Retirement Annuity, CPF, SRS. | US retirement accounts via linking. No UK or non-US wrappers. |
| Sales contact | None. | Users above an asset threshold are contacted about advisory services. |
| Best for | Anyone outside the US, or anyone who does not want to link accounts. | US households who want free aggregation and do not mind the advisory pitch. |
Who can actually use each one
Empower Personal Dashboard is only available in the United States. If you live in the UK, Europe, Canada, Australia or anywhere else, it is not an option, and its account linking only covers US institutions.
Netaro works in any country. You pick a home currency, each holding keeps its native currency, and everything is converted for you. UK and US tax wrappers are built in so an ISA, SIPP, 401(k) or IRA is treated correctly.
Free, but how
Empower’s dashboard is free because it is a lead-generation tool for a wealth management business. Once your linked assets cross a threshold you can expect calls and emails about paid advisory services.
Netaro’s free tier is funded by Pro subscriptions at $5.99 a month or $39.99 a year. There is no advisory arm and nobody will ring you.
Linking versus privacy
Empower needs your login details for every account it tracks. That gives it transaction-level detail for budgeting, which Netaro does not attempt.
Netaro never sees a bank credential. You add holdings yourself, market prices refresh daily, and your data stays in a local database on your phone with a private cloud backup. Its AI features receive a de-identified view of holdings and never your identity.
Where Empower is stronger
- Automatic sync of US bank, brokerage and 401(k) balances.
- Transaction-level budgeting and cash flow.
- Retirement planner and fee analyser built on linked data.
- Completely free with no paid tier for the software itself.
Where Netaro is stronger
- Works outside the United States, in any currency.
- No bank linking, no credentials stored, no sales contact.
- Property, private equity, valuables and debt as first-class asset classes.
- UK and US tax-wrapper awareness in liquidity and health analysis.
- Portfolio Health score, percentile benchmarks, AI chat and a Weekly Digest.
Verdict
If you are in the US and want free automatic aggregation with budgeting, Empower is hard to beat as long as the advisory outreach does not bother you. If you are outside the US, or you want a net worth tracker that never touches your bank logins, Netaro is the better fit.
Frequently asked questions
- Is there an Empower alternative for the UK?
- Yes. Netaro is available in the UK and worldwide, supports GBP and every other home currency, and understands UK wrappers such as ISAs, SIPPs and pensions. It does not link to banks, so it works with any UK institution.
- Does Netaro do budgeting like Empower?
- No. Netaro tracks net worth, holdings and portfolio health. It does not import transactions or categorise spending.
- Will Netaro try to sell me financial advice?
- No. Netaro is a tracking tool, not an adviser. The only paid product is Netaro Pro, an in-app subscription.
Get the app
See your real net worth tonight
Free to start, private by design, no bank connections required.
Competitor details reviewed September 2026 from public pricing and product pages. Prices and features change; check the other product’s site before deciding. Netaro is a net worth tracking tool and does not provide regulated financial advice.