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 its debts are typed in by hand rather than linked.
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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. | Free for tracking by hand, with no card. Broker sync is the one paid feature: $119 billed annually or $14 billed monthly, taxes included, and free for 14 days. |
| 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 minus the debts you type in by hand. A debt keeps no history and is not linked to a loan or card account. |
| 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 linked to 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, or any ticker you search, 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 charges only for broker sync.