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

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