VaultFlow vs Empower Personal Dashboard
Which is better in 2026? Five scores, side by side.
VaultFlow is the better app overall, scoring 8.4 to 8.2. VaultFlow wins on 3 of the 5 scores, Empower Personal Dashboard on 2.
Budgeters who want a free, private app and don't mind importing statements
Investors who want a free, big-picture view of net worth and retirement
Score by score
The details
| Feature | VaultFlow | Empower Personal Dashboard |
|---|---|---|
| Category | Money & Investing | Money & Investing |
| Category rank | #7 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
VaultFlow
- No bank login and no subscription
- Bills, budgets and net worth in one place
- Export everything as a spreadsheet any time
- No automatic transaction sync
- Apple devices only, with no web or Android app
VaultFlow covers spending, bills and net worth in four simple screens, and it does it without asking for your bank password. You import your bank's statement file instead, and duplicates are skipped. Bills remind you before they are due, and the wealth view tracks accounts, cards, investments, property and loans. It needs more manual effort than Monarch, but it costs nothing and keeps your data on your device.
Full VaultFlow 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
