Empower (Personal Capital)
Tiller Money
| Feature | Empower (Personal Capital) | Tiller Money |
|---|---|---|
| Pricing | Free / from $0.89/mo | From $79/mo |
| Free Plan | ✓ Yes | ✗ No |
| Rating | 4.3 / 5 | 4.3 / 5 |
| Best For | investors, high-net-worth-individuals, retirement-planners, wealth-builders | spreadsheet-users, power-users, freelancers, accountants |
| Founded | 2009 | 2016 |
| Net Worth Tracking | ✓ | ✗ |
| Investment Checkup | ✓ | ✗ |
| Retirement Planner | ✓ | ✗ |
| Fee Analyzer | ✓ | ✗ |
| Budgeting | ✓ | ✗ |
| Cash Flow | ✓ | ✗ |
| Wealth Management | ✓ | ✗ |
| Bank Sync | ✗ | ✓ |
| Google Sheets | ✗ | ✓ |
| Excel | ✗ | ✓ |
| Auto Categorization | ✗ | ✓ |
| Templates | ✗ | ✓ |
| Reports | ✗ | ✓ |
| Daily Email Digest | ✗ | ✓ |
✓ Empower (Personal Capital) Pros
- Excellent free investment tracking and net worth dashboard
- Retirement planning calculator (Retirement Planner)
- Fee analyzer identifies hidden investment fees
- Comprehensive portfolio analysis tools
✗ Empower (Personal Capital) Cons
- Wealth management requires $100K minimum
- Sales calls after signing up for free tools
- Advisory fees higher than robo-advisors
✓ Tiller Money Pros
- Unmatched customization via spreadsheets
- Cheaper than YNAB and Monarch Money
- Supports both Google Sheets and Excel
- Strong security with 256-bit encryption
✗ Tiller Money Cons
- No mobile app
- Steeper onboarding than typical budget apps
- Requires spreadsheet literacy
The Verdict
Empower (Personal Capital) is built for investors and high net worth individuals, with a focus on net-worth-tracking and investment-checkup. Tiller Money targets spreadsheet users and power users and leads with bank-sync and google-sheets.
On pricing, Empower (Personal Capital) is the clear winner for budget-conscious users — starting at $0.89/mo compared to $79/mo for Tiller Money. That $78.11/mo difference adds up quickly for growing teams.
Empower (Personal Capital) has a free plan, which gives it a meaningful edge for individuals and small teams exploring their options. Tiller Money requires a paid subscription from day one.
This is a genuinely close comparison. If you can, sign up for both free trials (where available) and run a one-week test with your actual team tasks before deciding.
