Empower (Personal Capital)

If your financial life has graduated beyond basic budgeting into investments, retirement planning, and net worth tracking, Empower (formerly Personal Capital) is the move. The free dashboard aggregates all your accounts and provides investment analysis, fee detection, and retirement planning tools that rival what financial advisors charge thousands for. Cheaper than the average financial advisor by over 95% since the core tools are free. The catch: Empower makes money by offering wealth management services for accounts over $100K, so expect the occasional sales pitch. But the free tools alone are worth it.