# KeepUp vs Empower (2026)

Empower's free Personal Dashboard, formerly Personal Capital, tracks net worth, cash flow, and retirement for accounts at US institutions, and Empower sells wealth management alongside it. KeepUp is a verified net worth ranking platform: it shows where your net worth ranks among real people and against your country's wealth data, and it tracks every account in any currency. Choose Empower to plan for retirement. Choose KeepUp to see where you stand.

| Feature | KeepUp | Empower |
| --- | --- | --- |
| Net worth ranking | Leaderboard of real people, overall and by country, region, and age | Not offered |
| Compare with national wealth data | Your percentile in 37 countries, by age | Not offered |
| Verified net worth | Verified badge when 80% or more of your assets come from connected accounts | Not offered |
| Retirement planning | Not offered | Retirement Planner, plus savings and debt paydown planners |
| Budgeting | Not offered | Budgeting, cash flow, and transactions |
| Currencies | Any currency, converted into one display currency | USD only. Other accounts can be added by hand |
| Countries | US, Canada, UK, Switzerland, EU, and EEA | Links US financial institutions only. Sign-up needs a US phone number |
| Wealth management | None. KeepUp never holds or moves your money | Empower also sells paid advisory services |
| Apps | Web app. iOS app in development | Web, iOS, and Android |
| Price | Free | Free dashboard |

## Choose KeepUp if

- You want to know where your net worth ranks, among real people and against your country's wealth data.
- You have accounts outside the US or in other currencies.
- You want a net worth tracker with no wealth management attached.

## Choose Empower if

- You want a retirement planner next to your net worth.
- All your accounts are at US institutions, in US dollars.
- You want native iOS and Android apps today.

## Common questions

### Can I use KeepUp and Empower together?

Yes. KeepUp connects to your accounts read-only, so it works alongside Empower. Keep planning retirement in Empower and use KeepUp to see where your net worth ranks, including any accounts outside the US.

### How can KeepUp be free?

For US users, KeepUp has a [Marketplace](/marketplace) of financial products matched to the portfolio you track. If you take one, the provider pays KeepUp a referral fee, and you never pay more. No provider learns anything about you unless you ask for an introduction. See the [Advertiser Disclosure](/advertiser-disclosure).

### Is it safe to connect my accounts to KeepUp?

KeepUp can see your balances but can never move money: every connection is read-only, and there is no transfer, payment, or trading feature. You sign in to your bank on the bank's own page, so your login never reaches KeepUp. See the [Security page](/security).

### Can I take my data with me if I leave?

Yes. You can download all of your data as JSON, or delete your account, at any time from your settings.

## More comparisons

- [KeepUp vs Monarch Money](/compare/keepup-vs-monarch)
- [KeepUp vs Kubera](/compare/keepup-vs-kubera)

## Sources

Facts about Empower checked on November 3, 2026.

- [Empower Personal Dashboard](https://www.empower.com/personal-investors/financial-tools)
- [Empower Support: Can I link an international account?](https://support-personalwealth.empower.com/hc/en-us/articles/201169680-Can-I-link-an-international-account-in-Empower-Personal-Dashboard)

Written by KeepUp. Empower is a trademark of its owner, and KeepUp is not affiliated with it. Something out of date? Email [support@keepup.finance](mailto:support@keepup.finance).

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Source: https://keepup.finance/compare/keepup-vs-empower · KeepUp