An Empower alternative for any currency.
Empower offers a free personal dashboard: net worth, budgeting, cash flow and a retirement planner, linked to your bank and investment accounts. If you are a US saver, that is hard to beat on price.
FortuneOK is for a different reader: someone whose investments sit in several currencies and who wants returns that say what they are. It does not budget, and it does not track debts.
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Side by side
Scroll the table sideways to read every column.
| Topic | Empower | FortuneOK |
|---|---|---|
| Price | Their tools are free. Advisory services are a separate paid business with asset-based fees, and their page discloses referral payments. | One plan: $119 billed annually or $14 billed monthly, taxes included. 14-day free trial, no card. |
| Built for | US account types, such as IRAs and 401(k)s. | People who hold money in more than one currency, in any country. |
| Net worth | Assets against liabilities. | Assets only. There is no place to enter debts or a mortgage. |
| Budgeting | Budgeting and cash flow, a retirement planner, debt paydown and an emergency fund tool. | No budgeting. Goals cover FIRE, an emergency fund and a target return. |
| Accounts | Link IRAs, 401(k)s, investments, mortgages, loans, bank accounts and credit cards. | Syncs from 28 brokers. A CSV or Excel file covers the rest, and it is read in your browser. |
| Portfolio analysis | Allocation across cash, bonds, stocks and alternatives, with a risk level. | Allocation by category, sector, country and currency, with targets, tolerance bands and the amount to buy or sell. |
| Advice | Paid advisory tiers, including Personal Strategy and Private Client. | No advice and no recommendations. You set the mix you want. |
| Platforms | Web, iOS and Android. | A web app that works on a phone. There is no separate app. |
Choose Empower if
- You are a US saver who wants free net worth tracking, budgeting and retirement planning.
- You want your mortgage, loans and credit cards on the same dashboard as your investments.
- You want a paid advisor available when your assets grow.
- You want native iOS and Android apps.
Choose FortuneOK if
- Your investments sit in more than one currency and you want every trade converted at the rate of its own day.
- You want money-weighted and time-weighted return, and the S&P 500 on the performance chart.
- You want allocation targets with tolerance bands, and the amount to buy or sell when you drift.
- You do not want a product that earns from selling you advice. FortuneOK is paid for by one subscription.