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Empower Personal Dashboard vs Monarch Money: catalog facts
Empower Personal Dashboard	Monarch Money
Free The dashboard is free; Empower sells advisory and wealth management services separately.	Paid Paid subscription, with introductory discounts on the first year.
Web	Android, iOS, Web
Net worth, budgeting and investment tracking in one place Retirement planning tools included	Automatic categorization of connected accounts Shared access for a partner or adviser at no extra cost
Requires linking financial accounts to a third party Comes with promotion of Empower's paid advisory services	Requires an account and a paid subscription Financial data is held by a cloud service
Hosted service	Downloadable app, Web application, Hosted service
Closed source	Closed source
License not stated	License not stated
Account needed	Account needed
Needs internet	Not stated if it works offline
Official website Full listing and sources Checked October 1, 2026	Official website Full listing and sources Checked September 23, 2026

Catalog facts only. Anything “not stated” is unconfirmed. Check full listings for details.