Wise vs Empower Personal Dashboard
Which is better in 2026? Five scores, side by side.
Wise is the better app overall, scoring 8.7 to 8.2. Wise wins on 4 of the 5 scores, Empower Personal Dashboard on 1.
Travelers, expats and freelancers who send or receive money across borders
Investors who want a free, big-picture view of net worth and retirement
Score by score
The details
| Feature | Wise | Empower Personal Dashboard |
|---|---|---|
| Category | Money & Investing | Money & Investing |
| Category rank | #4 of 10 | #9 of 10 |
| Developer | Wise plc | Empower |
| Pricing | Free | Free |
| Usable for free | Yes | Yes |
| iPhone & iPad | ✓ | ✓ |
| Android | ✓ | ✓ |
| Web | ✓ | ✓ |
Strengths and weaknesses
Wise
- Fees and exchange rate shown before you send
- Hold and convert dozens of currencies
- Fast transfers on most popular routes
- Not a bank, so it lacks loans and overdrafts
- Card and account features vary by country
Wise is the easiest way to move money across borders without losing a chunk to poor exchange rates. It uses the mid-market rate and shows its fee upfront, so you know exactly what arrives. The multi-currency account and debit card make travel and freelancing simpler. It is not a bank, though, and fees on large or unusual currency routes can add up.
Full Wise 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
