7 best Empower alternatives in 2026

1. Best for registered advice at a flat price: Mezzi

Ideal for

An Empower dashboard user with accounts at several firms who wants advice from a registered adviser without paying a percentage of assets.

Our take

Mezzi is the Empower alternative for flat-fee advice, because Advisory costs $399 a year at any balance, vs $2,225 for Empower's 0.89% on $250,000.³ Mezzi has been registered with the SEC as an investment adviser since September 25, 2025.⁴ Its free tier connects all your assets and debts, as Empower's dashboard does.

You place every trade yourself, so Mezzi replaces Empower's advice and not its money management. Advisory includes support by video, phone, and email, and Concierge at $999 adds quarterly coaching check-ins. The Mezzi review covers each plan, and Mezzi vs Empower compares the two at three balances.

Pros

• A flat price at any balance
• A free tier that connects every account
• Registered with the SEC

Cons

• Doesn't place trades for you
• No CFP named on any plan
• Limited AI answers on the free tier

2. Best for lower-cost managed investing: Wealthfront

Ideal for

An Empower Personal Strategy client who wants the portfolio managed and doesn't use the advisor calls.

Our take

Wealthfront is the Empower alternative for managed investing, because its managed portfolio charges 0.25% a year, which is $625 on $250,000 vs Empower's $2,225.⁵ Wealthfront charges no account transfer fees, and its app links your outside accounts to show your net worth. Tax-loss harvesting is included.

Wealthfront gives you no dedicated advisor. Betterment charges the same 0.25% on its standard plan and 0.65% for Premium, which adds access to an advisor from $100,000. The Wealthfront review covers the account, Betterment vs Wealthfront compares the two, and you can open a Wealthfront account from here.

Pros

• 0.25% a year
• Tax-loss harvesting included
• No account transfer fees

Cons

• No dedicated advisor
• No written financial plan
• The dollar fee grows with your balance

3. Best for budgeting with net worth: Origin

Ideal for

A household that likes Empower's net worth view but wants real budgets, which is the top answer in Reddit's main Empower alternatives thread.

Our take

Origin is the Empower alternative for budgeting, because it builds a budget from your spending and tracks your net worth in the same app, and a partner can join at no extra cost. Its AI Advisor runs through Origin Investment Advisory, an SEC-registered adviser. New members can start with a $1 first-year offer before the yearly fee applies.

Origin costs money where Empower's dashboard is free, so check the renewal price in the app before the first year ends. Individual subscribers can't file a new tax return through Origin in the 2027 season. The Origin Financial review covers the plan and its terms.

Pros

• Budgets and partner access built in
• Net worth and spending in one app
• Registered advice through its affiliate

Cons

• Costs money where Empower's dashboard is free
• No tax filing for individual subscribers in 2027
• Manages money only if you invest with Origin

4. Best for retirement planning: Boldin

Ideal for

Someone who uses Empower's retirement planner and wants Social Security timing, Roth conversions, and taxes modeled in more detail.

Our take

Boldin is the Empower alternative for retirement planning, because PlannerPlus models Roth conversions, Monte Carlo outcomes, and lifetime taxes for $168 a year, the price for new subscribers from October 15, 2026. Basic is free. Boldin Advisors, its optional advice service, is an SEC-registered adviser.

Boldin plans ahead but doesn't track daily spending or manage money. ProjectionLab does similar planning, and its Premium plan costs $129 a year. The Boldin review, the ProjectionLab review, and Boldin vs ProjectionLab cover both apps.

Pros

• A free Basic plan
• Roth conversion and Social Security modeling
• An optional registered advice service

Cons

• Doesn't manage money
• Monte Carlo and tax tools need PlannerPlus
• Its price rose on October 15, 2026

5. Best for crypto and real estate: Kubera

Ideal for

Someone whose net worth sits partly outside US brokerages, in crypto, property, private investments, or other currencies.

Our take

Kubera is the Empower alternative for alternative assets, because it tracks crypto, real estate, and private investments next to your bank and brokerage accounts. It has no free plan after its 14-day trial. Essentials costs $250 a year, Black $2,500, and VIP $10,000.

Kubera has no budgeting and gives no advice, so it replaces only the tracking part of Empower's dashboard. It also has no advisory tier to sell you. The Kubera review covers each plan, and Kubera alternatives lists other trackers.

Pros

• Tracks crypto and real estate
• Handles several currencies
• No advisory tier to sell you

Cons

• No free plan after the trial
• No budgeting
• No advice

6. Best for AI answers about your accounts: CFO Silvia

Ideal for

A dashboard user who wants to ask questions about linked accounts, property, vehicles, and crypto by chat, phone, email, or text.

Our take

CFO Silvia is the Empower alternative for AI answers, because its free plan connects your accounts and answers questions about them, with limited monthly use. Pro costs $17 a month billed annually and gives 10 times the free usage. You can add property, vehicles, and other assets by hand.

The company now brands the app as Silvia, and it isn't an SEC-registered adviser. It reads your accounts and can't move money, so there's no managed portfolio and no advisory upsell. The CFO Silvia review covers each plan, and CFO Silvia alternatives compares similar apps. CFO Silvia vs Empower prices the two side by side at three balances.

Pros

• A free plan
• Tracks property, vehicles, and crypto
• Answers by chat, phone, email, or text

Cons

• Not a registered adviser
• Max costs $200 a month
• Doesn't manage money

7. Best for a human planner at a flat fee: Facet

Ideal for

An Empower Wealth Management client who values a dedicated advisor but wants a fee that doesn't grow with the balance.

Our take

Facet is the Empower alternative for a human planner, because every membership includes a CFP professional and investment management for a flat $2,600, $5,500, or $8,700 a year. Its lowest tier costs less than Empower's 0.89% once your balance passes about $292,000. Plus and Complete add tax filing.

Facet memberships are annual and non-refundable. Range and Domain Money sell similar flat-fee planning, and Facet alternatives compares them. The Facet review, Range review, and Domain Money review cover each firm.

Pros

• A CFP professional on every plan
• The same fee at any balance
• Tax filing from Plus

Cons

• Costs more than 0.89% below about $292,000
• An annual, non-refundable term
• No free dashboard

Step 1: Decide which part of Empower to replace

Decide which part of Empower to replace: the dashboard, with its tracking, budgeting, and retirement planner, or the advice, with Personal Strategy's managed portfolio and advisors. Of the seven picks, only Wealthfront and Facet manage your money for you, plus Origin if you invest with it. The others track, plan, or advise, and you keep making the trades.

Step 2: List what you need tracked

List what you need tracked, including any crypto, property, or 401(k) held at Empower Retirement, and check that each new app connects to those accounts before you cancel. The Tweed Net Worth Calculator adds up what you own and owe, and net worth by age gives you a benchmark. Quicken Simplifi imports CSV files from Personal Capital, as Monarch Money vs Quicken Simplifi explains.

Step 3: Price the advice fee at your balance

To price the advice fee at your balance, find your managed balance in the left column and read across.

Fund expense ratios come on top of each percentage fee, and Premier's figure is a starting rate. For more robo-advisors, compare the best robo-advisors.

Step 4: Keep Empower's dashboard until the new app works

Keep Empower's dashboard until the new app works, because the dashboard costs nothing to keep. Run the new app beside it for a month and check that every account syncs before you close anything. If budgeting is the gap, Monarch Money vs Empower compares the dashboard with a paid budgeting app, and Monarch Money vs Rocket Money covers a free one.

Project your balance five or ten years out with the Tweed Retirement Calculator. Then use the Step 3 table to see what Empower's fee costs at that balance vs a flat fee or a robo-advisor.