Comparing Empower (formerly Personal Capital) and Alistair for Wealth Tracking & Retirement Planning. See feature comparison, pricing, pros/cons, and which tool fits your needs.
Empower is a free wealth management platform combining account aggregation, retirement planning, and a net worth dashboard with optional advisory services.
Empower excels at free net worth tracking and fee analysis. Alistair provides AI-powered financial guidance that Empower's dashboard cannot match.
| Feature | Alistair | Empower (formerly Personal Capital) |
|---|---|---|
| Pricing | $4.99/month Pro | Free tools; 0.49%-0.89% AUM advisory |
| AI Execution | Full AI financial agent with multi-step reasoning and interactive tool execution | No AI layer; rule-based retirement planner and fee analyzer |
| Tax Modeling | AI-driven tax strategy across federal and state; withdrawal optimization | Basic retirement tax assumptions; no state-specific optimization |
| Privacy Model | Encrypted; session-based with user control over saved data | Data shared; advisory sales calls for high-net-worth users |
| Learning Curve | Ask questions, get answers. No setup. | Low: clean dashboard; sales calls for high-net-worth accounts |
| Best For | AI-native financial coaching and Q&A | Free net worth and investment fee tracking with linked accounts |
Alistair Pricing
Free with 30 messages/month; Pro $4.99/month unlimited
Empower (formerly Personal Capital) Pricing
Free dashboard; 0.49%-0.89% AUM for advisory
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