June 2026 · 7 min read
Free Alternatives to Empower, Kubera & Personal Capital
Empower (Personal Capital) and Kubera are popular net worth trackers, but they come with accounts, account-linking, or subscription fees. Here are the free, private alternatives and how to choose.
Empower (formerly Personal Capital) and Kubera are among the best-known net worth trackers, and both are genuinely capable. But they share characteristics not everyone wants: they require accounts, they centre on linking your bank and brokerage credentials, and Kubera charges an annual subscription while Empower monetises through paid wealth-management services. If you want to track your net worth without those trade-offs, here are the alternatives and how to weigh them.
What People Actually Want From an Alternative
When someone searches for an alternative to these tools, they are usually after one or more of:
- No subscription fee — a genuinely free option.
- No account or bank-linking — privacy, and no credentials handed to a third party.
- Crypto support — many traditional trackers handle crypto poorly or not at all.
- Data ownership — financial data that stays under their control.
Keep your own priority in mind as you read — the "best" alternative depends entirely on which of these matters most to you.
The Main Free Alternatives
Spreadsheets (Google Sheets / Excel). The original free alternative. Total control and zero cost, but you manually update every value, and live prices for crypto and metals are awkward. Best for infrequent checks and slow-moving assets.
Brokerage and bank dashboards. Free, but each only shows the assets held there — no unified picture across institutions, crypto, or physical assets.
Crypto-first trackers (CoinStats, Delta). Free tiers exist, but they are built around crypto, with stocks and other assets as secondary, and the convenient features usually require an account and often a subscription.
Local-first all-asset trackers (e.g. WalletLens). Free, no account, and store data on your device rather than a server — closest to "all the coverage, none of the trade-offs."
WalletLens as a Free, Private Alternative
WalletLens was built specifically for people who want what Empower and Kubera do — a complete net-worth view across every asset class — without the account, the bank-linking, or the cost. How it compares:
- Free, with no paid tier — versus Kubera's annual fee or Empower's paid advisory model.
- No account and no bank login — you add holdings by typing, voice, or CSV import, so no credentials are ever shared, versus the credential-linking both rely on.
- Every asset class — crypto, US stocks and ETFs, gold, silver, cash and FX in one live net-worth total.
- Private by design — data is stored only in your browser; nothing is sent to a server.
- AI analysis included — a portfolio health score, risk scan and the Magic Indicator, computed on-device.
The honest trade-off: because WalletLens does not link your accounts, balances do not sync automatically — you update holdings yourself, which is also what makes it private. For many people that is a worthwhile exchange; for someone who wants fully automatic bank syncing above all, a linked tool like Empower may fit better.
How to Choose
- Want it free, private, and crypto-inclusive? A local-first tracker like WalletLens.
- Want automatic bank/brokerage syncing and don't mind an account? Empower (free) or Kubera (paid).
- Want maximum flexibility and only check occasionally? A spreadsheet.
- Only hold crypto? A crypto-first tracker may suffice.
> Educational note: This comparison reflects publicly documented features and is for general guidance, not endorsement or financial advice. Verify current pricing and features with each provider before deciding.
Conclusion
Empower, Kubera, and Personal Capital are solid tools, but they ask for accounts, account-linking, or fees that not everyone wants to accept just to see their net worth. The free alternatives each make a different trade: spreadsheets trade convenience for control, crypto trackers trade breadth for depth, and local-first all-asset trackers like WalletLens trade automatic syncing for being free, private, and complete. Decide which trade-off you are happy to make, and the right alternative becomes obvious.