Empower — formerly Personal Capital — is one of the best free tools for tracking bank, brokerage and retirement accounts. But if your wealth sits in real estate syndications, private equity, funds, or multiple entities, Empower wasn’t built for you. This page compares Empower with Vyzer and other options so you can pick the right tracker for a complex, alternative-heavy portfolio.
Last updated: July 2026.
| Empower (Personal Capital) | Vyzer | |
|---|---|---|
| Best for | Free tracking of stocks, banks & retirement accounts | HNW/UHNW & LP investors with alternative and private assets |
| Alternative assets (syndications, PE, funds) | Limited — manual, no document parsing | Core focus — built for it |
| Document capture (K-1s, statements) | No | Yes — “Magic Box” AI extraction |
| Multi-entity (trusts, LLCs, holdcos) | No | Yes |
| Consolidate across sponsor portals | No | Yes |
| Cash-flow forecasting | Basic | Yes — distributions & capital calls |
| Business model | Free tool; upsells advisory (~0.89% AUM) | Paid SaaS; no AUM fees, no asset transfer |
| Price | Free (advisory separate) | Free Starter; Plus $145/mo; Premium $375/mo; Elite $795/mo |
Personal Capital was acquired by Empower Retirement in 2020 and fully rebranded to Empower in 2023. Since then, longtime users have reported heavier upselling of Empower’s advisory service (around 0.89% of assets under management), fewer product updates, and growing data-privacy concerns.
The bigger issue for sophisticated investors is structural: Empower is an account-aggregation tool. It excels at pulling in publicly-connected accounts, but has no real answer for the assets that make an HNW balance sheet complex — syndication LP stakes, private-equity commitments, fund interests, and the K-1s and capital-call notices that come with them.
Vyzer is purpose-built for the portfolio Empower struggles with:
The trade-off is honest: Empower is free; Vyzer is paid software (from a free Starter tier up to $795/month for the most complex needs). If your portfolio is mostly public accounts, Empower may be all you need. If alternatives and entities are where your net worth lives, that’s what you’re paying Vyzer to handle.
For alternative and private assets, yes. Empower is an account-aggregation tool with no document parsing or entity modeling. Vyzer is built specifically for real estate syndications, private equity and funds, and uses AI to extract data from K-1s and statements automatically.
Only manually and at a basic level. Empower won’t parse K-1s or capital-call notices, consolidate across sponsor portals, or forecast distributions. Vyzer is designed for exactly those workflows.
The tracking tools are free. Empower monetizes by selling wealth-management advisory services (around 0.89% AUM). Vyzer charges a software subscription instead and never manages or transfers your assets.
Empower’s tracker is free (advisory sold separately). Vyzer has a free Starter plan, then Plus at $145/month, Premium at $375/month, and Elite at $795/month.
