The short version: Empower’s Personal Dashboard (formerly Personal Capital) is the best free net-worth view in the US: link everything, see allocation across accounts, x-ray your fund fees, and run a Monte Carlo retirement plan. It is free because it introduces Empower’s wealth-management service, which typically follows up once linked assets pass about $100,000.
Stock Rover is a paid research and portfolio platform for people who pick their own investments: a portfolio performance report with IRR and time-weighted returns, dividend analytics with income projection, and the research side: screening up to 800+ metrics, 20-year fundamentals and fund reports. Plans run $348 to $948 a year; most new subscribers choose Premium Plus ($588) or Ultimate ($948), where the full depth lives.
The one-line difference: Empower shows your money at altitude. Stock Rover works at street level, where buy and sell decisions happen.
| Capability | Stock Rover | Empower Personal Dashboard |
|---|---|---|
| Price | $29–$79/mo billed annually | Free |
| Net worth across banks, cards, loans, 401(k)s | Investment accounts only | The specialty |
| Allocation & fund-fee x-ray | Fee & allocation analytics in dollars | Fee Analyzer, Investment Checkup |
| Retirement planner | Monte Carlo simulations + income projection | Monte Carlo planner |
| Return methodology | IRR and time-weighted, stated | Cash-flow-adjusted; methodology not documented |
| Dividend analytics | 30-year history, streaks, forward income calendar | Dividends appear as cash flow only |
| Stock screening & research | 800+ metrics, AI screener creation, research reports (included from Premium Plus) | None; holdings show price and value only |
| Fund & ETF research | Reports on 7,400 ETFs + 20,000 funds (Ultimate) | ✗ |
| Benchmarking | Risk and return vs S&P 500 | You Index benchmark; excludes bonds, options and alternatives |
Empower facts per empower.com’s published tools and support pages, verified August 2026. The advisory service is separate, fee-based (0.89% on the first $1M, tiered down above), with a $100,000 minimum.
Empower’s dashboard answers household questions: what is everything worth, how is it allocated, what are the funds costing, will it fund retirement. The Fee Analyzer alone has saved 401(k) holders real money, and the Monte Carlo planner is better than most paid tools. For those jobs, at that price, there is nothing to criticize; we recommend it for exactly that use.
What it doesn’t attempt is the investor’s working layer. There is no screening, no fundamentals, no dividend analytics beyond cash flow, no per-holding research of any kind. Its performance view is a single cash-flow-adjusted line whose methodology Empower doesn’t label, and its You Index benchmark leaves out bonds, options and alternatives. The dashboard also exists to introduce the advisory business: link six-figure assets and outreach typically follows.
Deciding. Screen across 800+ metrics, or describe what you want in plain language and let the AI build the screener. Check 20 years of fundamentals and 30 years of dividend record before buying. Then link your brokerages and the Portfolio Performance Report reports how it went, with stated methodology: IRR and time-weighted return, risk vs the S&P 500, projected income by month, and fund fee drag in dollars.
Fee analysis with the arithmetic shown: what each fund costs over a decade.
These tools coexist unusually well because they overlap so little. Plenty of Stock Rover subscribers keep Empower for household net worth and the retirement planner, and do everything decision-shaped in Stock Rover. The only caution is the one above: the free dashboard comes with a sales motion; the product itself stays free either way.
Yes, indefinitely, with no feature paywall. It is a marketing channel for Empower’s advisory service (0.89% on the first $1M, $100k minimum), and outreach typically follows once linked investable assets pass six figures. Declining has no effect on the free tools.
No, and it doesn’t try. It has no screener, no fundamental or dividend data, and no research reports. It aggregates and analyzes at the account level.
For decision-grade reporting, Stock Rover: stated IRR and time-weighted methodology, risk vs benchmark, income and fees. Empower’s performance graph is cash-flow-adjusted but undocumented, and its You Index benchmark excludes bonds, options and alternatives.
No. Stock Rover covers investment accounts: brokerages, IRAs and the portfolios you build. Employer 401(k) linking varies by plan provider; where a plan cannot connect, you can import or maintain it as a portfolio. Banks, credit cards, mortgages and budgeting are Empower’s territory, which is why the pairing works.
Yes: the 14-day trial is the full feature set, with no credit card required.
Screening, research, dividends and a real performance report on your linked accounts, free for 14 days.
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This page is maintained by Stock Rover; facts were last verified August 26, 2026. Empower facts come from empower.com’s published tools, support and advisory pages; if you spot something out of date, tell us and we’ll fix it. See also: all comparisons · Best Portfolio Trackers · plans & pricing.
