Net Worth Snapshot vs Empower
Empower's dashboard is free, and it's good at tracking investments across connected accounts. It sits alongside Empower's paid advisory services. Net Worth Snapshot charges a flat yearly price, and that subscription is all it sells.
| Topic | Empower | Net Worth Snapshot |
|---|---|---|
| Price | The dashboard and tools are free. Advisory services are paid, for a fee based on the assets managed, and start at $100,000 invested. | $48.00 a year for the whole household, after a free 30-day trial with no card. Nothing else to sell you. |
| How balances get in | Connected accounts. Empower says the more you connect, the better the tools work. | You type them in, about once a month. No bank logins. |
| Retirement planning | A retirement planner, plus savings, debt and emergency-fund planners | Retirement scenarios with Social Security, early-retirement rules, life events and the odds the money lasts |
| Spending | Budgeting, cash flow and transactions from your connected accounts | A budget of planned amounts per period. No transaction import. |
| Investments | Portfolio analysis of your connected holdings | One balance per account per month. Holdings aren't tracked. |
Choose Empower if
- Free matters more to you than anything else on this page.
- You want your investment holdings analyzed automatically.
- You may want a paid advisor at some point anyway.
Choose Net Worth Snapshot if
- You'd rather not connect your accounts to anything.
- You'd rather pay a flat price than use a free tool that sits alongside an advisory business.
- You want a household budget, a retirement plan and an insurance checkup in one place.
Also in Net Worth Snapshot
- An insurance and estate checkup: emergency fund, life, disability and umbrella cover sized from your own figures, with a checklist that comes due for a re-check.
- A budget of paychecks, bills and contributions at the frequency they arrive, showing what's genuinely left over each month.
- A library of short, plain-English lessons on debt, retirement, investing, insurance and estate planning.
- Everything exports to an Excel spreadsheet at any time, and stays readable and exportable even if you stop paying.
What the retirement plan models, and what it simplifies, is set out in How the projections work.
Start your free 30 days
No card required to start.
Sources
Everything said about Empower on this page comes from its own website, checked on October 10, 2026. Prices and features change, so check there before you decide.
Empower is a trademark of its owner. Net Worth Snapshot isn't affiliated with or endorsed by it.