Empower (formerly Personal Capital)

Empower delivers the strongest free financial dashboard available, outperforming #6 M1 Finance in comprehensive budgeting and net worth tracking. For accounts over $100,000, it couples automated portfolio management with dedicated human advisors, optimizing tax-loss harvesting and retirement planning. Users can see a 40% reduction in tax liability through active harvesting strategies. This hybrid model is faster than the average robo-advisor in responding to life changes, as advisors adjust allocations during market shifts. The dashboard alone rivals any standalone budgeting app, offering real-time spending categorization and fee analysis that saves users an average of $1,200 annually in unnecessary charges.