Fiscal Flowcast vs Empower Personal Dashboard
Empower Personal Dashboard is a free account and investment tracker from a company that also sells paid advice; Fiscal Flowcast is a money app that tracks your accounts and forecasts where your net worth and cash flow are headed.
Empower tracks accounts, investments, and retirement for free and offers paid advice. Fiscal Flowcast forecasts where your net worth and cash are headed, and walks you through decisions on the same numbers.
Quick Comparison
| Feature | Fiscal Flowcast | Empower |
|---|---|---|
| Free tier available | Yes | Yes — Free Personal Dashboard |
| Starting price (monthly) | Free / $9.99 | Free (advisory is a separate paid service) |
| Net worth tracking | Yes | Yes |
| Net worth forecast | Yes — Every plan | Retirement Planner projections |
| Cash flow forecasting | Yes — Basic+ | Budgeting and cash flow tracking |
| Bank and investment linking | Yes — US banks via Plaid on Basic+ | Yes — Account aggregation via Yodlee |
| Guided decisions | Yes — Rent vs buy, debt vs invest, retire early, move abroad, career change | Retirement, savings, debt paydown, and emergency fund planners |
| Investment management or advisors | No | Yes — Optional paid wealth management |
| Native iOS or Android app | No | Yes — Computer, tablet, or phone |
Why Choose Fiscal Flowcast?
A forecast, not only a snapshot
Free includes a net worth forecast from accounts you add by hand. On Basic and above, see your cash flow weeks ahead and a range of possible outcomes.
Decisions beyond retirement
Walk through rent vs buy, paying off debt vs investing, retiring early, moving abroad, or a career change. Empower’s planners focus on retirement, savings, debt paydown, and emergency funds.
Software only, no advisory upsell
Fiscal Flowcast does not sell investment management. Empower’s free consultation can lead to an offer to enroll in its paid wealth management services.
Who should choose Empower vs Fiscal Flowcast?
Choose Empower if
Choose Empower if you want a free investment and retirement tracker and may want a financial advisor to manage your money.
Choose Fiscal Flowcast if
Choose Fiscal Flowcast if you want a forecast of your net worth and cash, separate workspaces, and guided decisions without an advisory upsell.
Pricing Comparison
Empower Personal Dashboard is free. Its financial professionals and wealth management are separate services. Fiscal Flowcast is free to start; Basic is $9.99/month ($99.99/year) and Premium is $19.99/month ($199.99/year). Forecasts are estimates, not financial advice.
Fiscal Flowcast
Basic from $9.99/mo or $99.99/year — billed at checkout
- FREE tier with a net worth forecast
- Cash flow forecasting (Basic+)
- Decision Hub walkthroughs (explore free)
- Up to 3 workspaces on Basic
- No investment management or advisors
Empower
Personal Dashboard is free; wealth management is a separate paid service
- Free account aggregation and net worth tracking
- Retirement Planner
- Portfolio analysis
- Optional consultation with an advisor
- No rent vs buy or move abroad walkthroughs
Sources: Empower Personal Dashboard features from empower.com and the Empower Personal Dashboard Terms of Use (accessed 2026-10-27). Feature comparison based on publicly available product documentation.
See where your net worth is headed
Start free with manual accounts and a net worth forecast. Cash flow forecasting is on Basic. No credit card required.
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Comparison last reviewed: October 27, 2026. Competitor features and pricing subject to change.