SmartFolio vs Empower Personal Dashboard
Which is better in 2026? Five scores, side by side.
SmartFolio is the better app overall, scoring 8.5 to 8.2. SmartFolio wins on 3 of the 5 scores, Empower Personal Dashboard on 2.
Dividend and long-term investors who want a private, free portfolio view
Investors who want a free, big-picture view of net worth and retirement
Score by score
The details
| Feature | SmartFolio | Empower Personal Dashboard |
|---|---|---|
| Category | Money & Investing | Money & Investing |
| Category rank | #6 of 10 | #9 of 10 |
| Developer | The Big Head | Empower |
| Pricing | Free | Free |
| Usable for free | Yes | Yes |
| iPhone & iPad | ✓ | ✓ |
| Android | — | ✓ |
| Web | — | ✓ |
Strengths and weaknesses
SmartFolio
- Free with no ads, no account and no in-app purchases
- Your data never leaves your iPhone or iPad
- Clear history of every trade, even after you sell
- No automatic broker sync, so updates mean re-importing
- iPhone and iPad only
SmartFolio is a portfolio tracker that keeps everything on your device. You import trade history from a long list of brokers or a spreadsheet, then see every buy, sale and dividend per holding, time-weighted returns and expected income. There is no account and no bank connection, which is great for privacy but means imports are manual. For dividend investors who want a free, private overview, it is a strong pick.
Full SmartFolio review
Empower Personal Dashboard
- Free, detailed investment and net worth tracking
- Retirement planner models different scenarios
- Fee analyzer exposes costly funds
- Expect sales outreach for paid advisory services
- Budgeting and categorization are basic
Empower Personal Dashboard, formerly Personal Capital, is the best free tool for tracking net worth and investments. Link your accounts and you get a clear view of your assets, the fees buried in your funds and whether retirement is on track. Budgeting is basic. The free dashboard also feeds Empower's advisory business, so expect calls or emails pitching wealth management.
Full Empower Personal Dashboard review
