Copilot Money vs Empower Personal Dashboard
Which is better in 2026? Five scores, side by side.
Copilot Money is the better app overall, scoring 8.9 to 8.2. Copilot Money wins on 4 of the 5 scores, Empower Personal Dashboard on 1.
iPhone and Mac users who want a polished, low-effort spending tracker
Investors who want a free, big-picture view of net worth and retirement
Score by score
The details
| Feature | Copilot Money | Empower Personal Dashboard |
|---|---|---|
| Category | Money & Investing | Money & Investing |
| Category rank | #3 of 12 | #11 of 12 |
| Developer | Copilot Money, Inc. | Empower |
| Pricing | Subscription | Free |
| Usable for free | No | Yes |
| iPhone & iPad | ✓ | ✓ |
| Android | — | ✓ |
| Mac | ✓ | — |
| Web | ✓ | ✓ |
Common questions
Is Copilot Money better than Empower Personal Dashboard?
Copilot Money is the better app overall, scoring 8.9 to 8.2. Copilot Money wins on 4 of the 5 scores, Empower Personal Dashboard on 1.
Which is cheaper, Copilot Money or Empower Personal Dashboard?
Copilot Money: 1-month free trial, then $13/month or $95/year. Empower Personal Dashboard: Free dashboard and tools; Empower sells optional paid wealth management. On value for money, Empower Personal Dashboard scores higher.
Do Copilot Money and Empower Personal Dashboard work on the same devices?
Only Copilot Money runs on Mac. Only Empower Personal Dashboard runs on Android.
Which is more private, Copilot Money or Empower Personal Dashboard?
Copilot Money scores higher on privacy (8.8/10). App Store label links financial info, coarse location, contact info, user content and usage data to you; crash data is not linked. No tracking is declared, and two-factor sign-in arrived in 2026.
Strengths and weaknesses
Copilot Money
- Best-in-class design that makes reviewing spending pleasant
- Categorization improves as you correct it
- Cheaper than Monarch or YNAB at $95 a year
- No Android app, and the web app lacks some native features
- Subscription only, with no free plan
Copilot Money is the best-looking finance app on Apple devices, and now it works in any browser too. It sorts transactions with categorization that learns from your corrections, tracks investments, crypto and recurring bills, and shows where your month is heading at a glance. A beta money assistant suggests fixes that you approve. The catch: there is still no Android app, and no free plan once the trial ends.
Full Copilot Money review
Empower Personal Dashboard
- Free, detailed investment and net worth tracking
- Retirement planner models different scenarios, even recessions
- Extra planners for savings, debt and emergency funds
- Expect sales outreach for paid advisory services
- Budgeting and categorization are basic
Empower Personal Dashboard, formerly Personal Capital, is still the best free tool for tracking net worth and investments. It now lives inside the main Empower app, which got a cleaner dashboard in 2026. Link your accounts and you see your assets, your allocation and whether retirement is on track. Budgeting is basic, and the free dashboard feeds Empower's advisory business, so expect sales pitches.
Full Empower Personal Dashboard review
