Comparison
Prismfolio vs Empower
Empower (formerly Personal Capital) offers a genuinely good free dashboard, funded by its advisory business: accounts over $100,000 may receive outreach about Empower's advisory service (0.49% to 0.89% AUM, per Empower's published fee schedule as of August 2026). Prismfolio has no advisory arm and nothing to upsell.
When Empower is the better choice
- You want to connect accounts at banks and brokerages beyond Fidelity, Schwab, and Vanguard.
- You actually want to talk to a human financial advisor and are comfortable paying an AUM fee.
- You want a retirement planner built around spending projections (Monte Carlo across income, not just portfolio).
- You prefer a more polished mobile app experience.
When Prismfolio is the better choice
- You're self-directed - you make your own decisions and don't want to be pitched advisory services.
- You want to understand what's inside your funds (true sector exposure, fund look-through) not just the top-line balance.
- You want to start analyzing your portfolio without sharing credentials or going through a Plaid flow.
- You want the fee detector to show you the real dollar cost of your expense ratios over 10 and 30 years.
Competitor pricing and features as of August 2026. See their sites for current terms.
The extension is free. No account required to try it.