Empower®

Empower®

Download on App Store
Spark by MWM logo
Logo of Empower®

Empower®: Financial Clarity for Your Entire Net Worth

Join over 8 million users who use our award-winning dashboard to track investments, simulate recessions, and plan for retirement—all in one secure place.

Download on App Store

Publisher

Empower Annuity Insurance Company of America

Category

Finance

Downloads

8M+

User Rating

4.8/5

Total Ratings

352K+

Locales

2

Financial Clarity at a Glance

Discover the interface used by 8M+ users.

Empower mobile app dashboard showing financial planning tools for retirement education and savings

Empower mobile app dashboard showing financial planning tools for retirement education and savings

Empower app interface showing retirement planning and financial scenario modeling features

Empower app interface showing retirement planning and financial scenario modeling features

A roadmap showing financial planning stages from budgeting to retirement and beyond.

A roadmap showing financial planning stages from budgeting to retirement and beyond.

Empower mobile app dashboard showing net worth tracking and financial account overview

Empower mobile app dashboard showing net worth tracking and financial account overview

Empower mobile app screen showing a colorful asset allocation chart and a prompt for a financial review with an advisor.

Empower mobile app screen showing a colorful asset allocation chart and a prompt for a financial review with an advisor.

Empower app budgeting dashboard displaying monthly spending categories and cash flow tools

Empower app budgeting dashboard displaying monthly spending categories and cash flow tools

Empower mobile app screen showing emergency fund savings with a bar chart and expense coverage estimation

Empower mobile app screen showing emergency fund savings with a bar chart and expense coverage estimation

Empower app security dashboard showing data encryption multi-factor authentication and fraud protection features

Empower app security dashboard showing data encryption multi-factor authentication and fraud protection features

Master Your Wealth with Professional-Grade Tools

The tools that make this app stand out, trusted by 8M+ users.

📊

Unified Net Worth Tracking

Get a 360-degree view of your financial health by syncing all your bank accounts, 401ks, and investments into one real-time dashboard.

🛡️

Recession & Retirement Planning

Protect your future with advanced simulations. Compare financial scenarios and stress-test your portfolio against market volatility.

📈

Investment Optimization

Identify allocation imbalances and hidden fees instantly. Ensure your money is working as hard as you do with professional-level portfolio analysis.

Loved by users worldwide

Trusted by 8M+ people who love this app.

"

"Managing finances for a family of four used to mean logging into six different bank portals every weekend. With Empower, I see our entire net worth in one dashboard. The retirement planner is a game-changer—it finally gave me a clear answer on whether we are actually on track for the future."

Sarah M.
"

"As someone who loves data, I used to spend hours updating complex spreadsheets to track my investment allocation. Empower automates all of that. The recession simulator and fee analyzer helped me optimize my portfolio in ways my old bank app never could. It is the ultimate tool for anyone serious about building wealth."

David L.

Review Analysis

AI-powered insights from user reviews.

Sentiment Score

18%
Negative

Summary

Users express significant frustration with the mobile app, primarily stemming from a recent transition that introduced widespread login and account syncing issues, as well as a general downgrade in user experience. Many reviews indicate a loss of features and functionality compared to the previous 'Personal Capital' app, with specific complaints about an unnecessarily small font size and unhelpful customer support. While a few users appreciate the app's powerful financial management overview and robust functionality for controlling finances, these positive aspects are largely overshadowed by critical bugs and a difficult migration process, making the app unreliable for many after the update.

Common Themes

Previous App Experience(5)
Financial Management Overview(2)
App Functionality & Control(1)
Phone Customer Service(1)
App Concept(1)
UI Design(1)

About the app

Everything you need to know about Empower®.

Description

“The Empower Dashboard gives me a full picture of where I am financially without having to log in to all my accounts. It definitely makes my financial life clearer and easier.” – Benjamin D.*  You’re just a few taps away from downloading the app that Forbes gave 4.5/5 stars, describing its features as the “Best for Tracking Net Worth”.   According to CNBC, “If you’re looking for an app that lays out all your income and expenses while giving you access to professional investment advice, Empower may be the budgeting tool you’re looking for. **”   Get the industry-leading tools designed to help you map out your financial dreams and take the steps to reach them:  - Plan for retirement  - Adjust & compare scenarios  - Simulate recessions  - See all your accounts in one place  - Check for allocation imbalances  - Tackle debt  - Build an emergency fund   - Set & track budgets  - Secure your data with biometric and multi-factor authentication  - And more   Spend less time sorting through spreadsheets, filling out ledgers, and doublechecking individual accounts.   Experience more freedom to focus on what you enjoy. Financial clarity starts with the free Empower Dashboard.   Download today.   --  *Testimonials may not be representative of the experience of other individuals and are not a guarantee of future performance or success.  **Sources: Forbes, March 2025; CNBC, January 2025.  Securities, when presented, are offered and/or distributed by Empower Financial Services, Inc. (EFSI), Member FINRA/SIPC. EFSI is an affiliate of Empower Retirement, LLC; Empower Funds, Inc.; and registered investment adviser Empower Advisory Group, LLC. This material is for informational purposes only and is not intended to provide investment, legal, or tax recommendations or advice.    Advisory services are provided for a fee by Empower Advisory Group, LLC (EAG). EAG is a registered investment adviser with the Securities and Exchange Commission (SEC) and an indirect subsidiary of Empower Annuity Insurance Company of America. Registration does not imply a certain level of skill or training. Investing involves risk. Past performance is not indicative of future returns. You may lose money. Advisory fees are calculated based upon the amount of assets being managed (as detailed further in the Empower Advisory Group, LLC Form ADV). “EMPOWER” and all associated logos and product names are trademarks of Empower Annuity Insurance Company of America.  ©2025 Empower Annuity Insurance Company of America. All rights reserved.  RO4520594-0625

Latest Version

2025.12.22(2512.22)

Size

322.9 MB

First Released

Jul 15, 2016

Take the Next Step Toward Financial Clarity

Join over 8 million people using our award-winning tools to track their net worth and plan for retirement. Download the Empower app today and retire the spreadsheets for good.

Download on App Store
FAQ

Frequently Asked Questions

Everything you need to know about Empower®

How does the Empower app help with financial planning?

The Empower app provides tools for retirement planning, scenario adjustments, recession simulations, debt management, and emergency fund building. It consolidates all accounts for complete financial oversight.

Does Empower offer budgeting tools?

Yes, the Empower app includes comprehensive budgeting and cash flow tools. Users can set and track budgets, manage income and expenses, and save smarter to achieve their financial objectives.

Is the Empower Dashboard free to use?

Yes, the Empower Dashboard is free. Users can download the app to access its core financial management features without cost, providing financial clarity.

How does Empower secure user data?

Empower secures user data with biometric and multi-factor authentication, encryption, and fraud protection. This multilayered security guarantees the safety of personal financial information within the app.

Can I track my net worth with the Empower app?

Yes, the Empower app enables users to track their net worth by securely connecting all financial accounts. Forbes recognizes this as a leading feature, highlighting its effectiveness for net worth tracking.

Does Empower provide investment advice?

Yes, Empower provides access to professional investment advice, as reported by CNBC. It also offers tools to analyze allocation imbalances and evaluate investment performance against specific goals.