European Alternatives to Empower (Personal Capital)
Looking for a European alternative to Empower (Personal Capital)? Empower's headquarters are in Greenwood Village, Colorado, its terms submit disputes to the courts of Arapahoe County, Colorado, and its advisory arm is an SEC-registered investment adviser and an indirect subsidiary of Empower Annuity Insurance Company of America. Its free tools cover net worth, budgeting and cash flow, portfolio analysis and a retirement planner, while paid wealth management is offered through advisers.
The European tools below are run by companies in Germany, France, Poland, Estonia, Austria and the UK, publish prices in euros or pounds where stated, and cover portfolio tracking, dividends, net worth and in some cases budgets.
How we rank these tools — 4-step process
-
1
European ownership, verified
The company is headquartered and incorporated in the EU, EEA, the UK, Switzerland or Israel, and processes customer data in Europe or Israel. A US parent company disqualifies a tool from this page regardless of where its servers are.
-
2
Category fit and hands-on review
What the tool actually does, who it suits, and where it falls short — checked against the vendor’s own documentation, changelog and pricing page rather than its marketing copy.
-
3
Compliance and pricing check
GDPR posture, hosting location and the prices quoted on this page are verified against the vendor’s public pricing before publication, and re-checked when we revisit the category.
-
4
Position on this page
Placement on this page can be paid, and that can affect which tools appear here and the order they appear in. It never buys a good review: a tool that fails the checks above is not here at any price, and payment does not change the shortcomings we write about. A vendor can ask us to correct a factual error — not to remove a criticism.
Vendors can pay for visibility on this page. It never changes what an entry says about a product, including the criticism, and we earn nothing when you click through to a vendor. Vendors can pay for more visibility, higher up on the review pages; it never affects which tools are listed. Editorial policy
12 European Alternatives to Empower (Personal Capital)
Parqet
Hamburg portfolio tracker with broker autosync and X-Ray
getquin
Berlin net worth tracker with free bank and broker connections
Finanzfluss Copilot
Free Berlin tracker for accounts, depots and budget
Portfolio Performance
Open source desktop program for true portfolio performance
Finary
Paris wealth tracker with brokerage, crypto and life insurance
DivvyDiary
Dividend calendar and tracker with free Scrimper plan
Stock Events
Lastrup app for watchlists, dividends and earnings events
TrackMyStack
Anonymous net worth tracker, no bank logins needed
Freenance
Warsaw finance app with PSD2 import and runway view
Moning
Free community portfolios and stock research from Tallinn
wikifolio
Vienna trader community with free virtual portfolios
Stockopedia
UK stock research platform with portfolio monitoring
Key takeaways
- Empower's terms submit disputes to the exclusive jurisdiction of the courts of Arapahoe County, Colorado.
- Empower's advisory arm describes itself as an SEC-registered investment adviser and an indirect subsidiary of Empower Annuity Insurance Company of America.
- getquin and Finanzfluss Copilot both offer a free plan with broker or bank import, so a free Empower dashboard has a free European counterpart.
- Portfolio Performance keeps your data in local XML or CSV files on your own computer, so no vendor server holds it.
- Only getquin names a retirement plan among the twelve European tools on this page, and it needs the Wealth tier at €149.99 a year.
Why people leave Empower
Empower is a US financial platform from Greenwood Village, Colorado, and it is best known for a free dashboard that pulls bank, card, loan and investment accounts into one net worth figure. Its pages also list a retirement planner, budgeting and cash flow, portfolio analysis, a savings planner, debt paydown and an emergency fund tool. Paid wealth management sits behind that dashboard, delivered by advisers. The free tools are the way most people meet the company.
Europeans who look for something else usually run into the same three facts. The terms submit disputes to the courts of Arapahoe County, Colorado. The advisory arm describes itself as an SEC-registered investment adviser and an indirect subsidiary of Empower Annuity Insurance Company of America. And the privacy pages list data rights for residents of eight US states, none of them in Europe. A tracker that holds your full financial picture then answers to US law first.
There is a practical gap as well. The dashboard is built around US accounts, US retirement products and dollar balances, so a European saver with euro depots and local savings accounts gets less out of it than an American with a 401(k). Most people who search for an alternative want a tracker built around their own brokers.
- A US company with US courts in the contract Empower's terms state that you submit to the exclusive jurisdiction of the courts of Arapahoe County, Colorado. For a European user, a dispute over a net worth dashboard would therefore be argued in Colorado. The twelve tools on this page are run from Germany, France, Poland, Estonia, Austria and the UK, and several name their register entry or governing law in their own legal pages.
- The free dashboard leads to a sales channel Empower's home page puts wealth management, a Private Client service for $1M+ in investments, a Personal Strategy adviser service and a high-yield cash account next to the free tools. Account data you link for tracking therefore sits inside a firm that also sells advice and products. Most European trackers here sell a plain subscription instead, and a few, such as getquin and Finary, say openly that they also offer regulated services.
- US accounts and US retirement logic come first The retirement planner, the rollover IRA pages and the FDIC-insured cash account only make sense for US residents. A European investor needs ETF look-through, dividend calendars and broker connections in their own market. Parqet, getquin and Finanzfluss Copilot are built around those brokers, and Portfolio Performance calculates returns across depots from your own transaction files.
- Data rights written for US states Empower's privacy pages explain how residents of California, Connecticut, Minnesota, New Hampshire, Oregon, Rhode Island, Texas and Virginia can submit requests. Europeans are not in that list. A European tracker answers to GDPR and to a supervisory authority you can write to in your own language, and Freenance, Moning and Finanzfluss Copilot state EU, French or German storage on their pages.
What you have to replace, not just match
Empower bundles several jobs, and most European tools replace only some of them. The core is net worth across linked accounts: getquin, Finanzfluss Copilot, Finary and Freenance do that with bank or broker connections, while TrackMyStack and Portfolio Performance take manual or file-based entries. Decide whether automatic sync matters more to you than keeping credentials out of a third party's hands.
Portfolio analysis maps to Parqet (X-Ray look-through of ETFs), Portfolio Performance (time-weighted return and IRR) and Stockopedia (ranked research). Budgeting and cash flow map to Finanzfluss Copilot, Finary and Freenance. The retirement planner is the weakest match: of these twelve, only getquin names a retirement plan, and it sits in the €149.99 Wealth tier.
Two parts of Empower have no European tracker equivalent on this page. The adviser-led wealth management and the FDIC-insured cash account belong to a US financial institution. If you used them, you will replace them with a local bank, broker or adviser rather than a software subscription.
The alternatives compared
| Position | Tool | Headquarters | Pricing | Jurisdiction |
|---|---|---|---|---|
| #1 | Parqet | Hamburg, Germany | Basic EUR 0 a month; Plus 11,99 EUR a month with annual payment (page: 3 months free, first 14 days free); Investor plan price not read | EU (Germany) |
| #2 | getquin | Berlin, Germany | Free EUR 0 a year; Premium 89,99 EUR a year; Wealth 149,99 EUR a year (prices exclusive of country-specific taxes) | EU (Germany) |
| #3 | Finanzfluss Copilot | Berlin, Germany | Free 0 EUR a month; Copilot PLUS 5,83 EUR a month with annual billing of 69,99 EUR (7 days free trial) | EU (Germany) |
| #4 | Portfolio Performance | Mannheim, Germany | No price shown on the pages we read | EU (Germany) |
| #5 | Finary | Paris, France | Plans Lite, Plus and Pro are named; prices not shown in the text we read | EU (France) |
| #6 | DivvyDiary | Korntal-Münchingen, Germany | Scrimper EUR 0 a month; Aristocrat EUR 7.50 a month or EUR 89.99 a year (7 days free) | EU (Germany) |
| #7 | Stock Events | Lastrup, Germany | Free $0.00; Pro $49.99 yearly (7 day trial); Connect add-on $0.99 per week; prices shown in US dollars | EU (Germany) |
| #8 | TrackMyStack | not stated on the pages we read, United Kingdom | Price not read on the pages we fetched | United Kingdom (adequacy decision, outside the EEA) |
| #9 | Freenance | Warsaw, Poland | 14-day free trial, no credit card; paid prices are in Polish złoty including VAT and were not read | EU (Poland) |
| #10 | Moning | Tallinn, Estonia | Free account; paid plans not shown on the pages we read | EU (Estonia) |
| #11 | wikifolio | Vienna, Austria | Registration free of charge for viewing and virtual portfolios; investment product costs not read | EU (Austria) |
| #12 | Stockopedia | not stated on the pages we read, United Kingdom | Europe (incl UK) EUR 550 a year; US and Europe EUR 725 a year; 14-day trial with a payment card | United Kingdom (adequacy decision, outside the EEA) |
How each alternative compares to Empower
Parqet
Broker-synced portfolio tracker with ETF look-through, narrower than Empower's full dashboard
Best for: Investors with one or two brokers who want ETF look-through and dividends in euros
Parqet covers the portfolio-analysis half of what Empower does. It combines securities with cash, crypto, precious metals and real estate, and its X-Ray feature breaks ETFs down by country, sector and single stock. Parqet Fintech GmbH of Hamburg publishes its register entry and managing director in the imprint.
Against Empower, Parqet gives up the budget and retirement tools. Its free Basic plan allows one portfolio and two integrations, and Plus costs €11.99 a month on annual payment. The pages we read do not state where the data is hosted, which matters if residency was your reason to leave.
What Parqet does better than Empower
- Look-through analysis of ETF holdings by country, sector and stock
- Tax dashboard and dividend forecast in the Plus plan
- Autosync with brokers on every plan, including the free one
- Imprint with HRB number and managing director
Where Parqet is a step down from Empower
- No budgeting or retirement planner on the pages we read
- Free plan limited to one portfolio and two integrations
- Hosting location not stated
Standout against Empower. Parqet is the one tool here that opens ETFs up to show the stocks and countries inside them.
getquin
Closest net worth match, with free unlimited connections and paid AI and retirement tiers
Best for: People who want banks and brokers in one free net worth overview, then maybe a retirement plan
getquin is the nearest European answer to the free Empower dashboard. Its free plan allows unlimited bank and broker connections and shows them as one net worth overview. QUIN Technologies GmbH in Berlin states more than 500,000 users and over €20 billion tracked, which are its own figures.
Where Empower includes its planning tools in the free dashboard, getquin charges for them. AI analysis starts at the €89.99 Premium tier, and the retirement plan needs Wealth at €149.99 a year. The imprint address is a c/o address, and the pages we read do not state data hosting.
What getquin does better than Empower
- Unlimited bank and broker connections on the free plan
- Prices in euros per year, with no US dollar conversion
- Imprint with register number and named representatives
- Community features to compare with other investors
Where getquin is a step down from Empower
- Retirement plan locked in the €149.99 Wealth tier
- AI analysis starts at €89.99 a year
- No adviser-led wealth management of the Empower kind
Standout against Empower. getquin is the only tool on this page that lists a retirement plan, even though it sits in the top tier.
Best for: German speakers who want accounts, depots and a household book in one free app
Finanzfluss Copilot comes closest to Empower's mix of tracking and budgeting. It imports from 350+ providers, keeps a digital household book and offers a dividend calendar and CSV export on the free plan. Finflow GmbH in Berlin says more than 100,000 people use it, according to its own page.
The tradeoffs are language and depth. The product and pricing pages are in German, the free plan limits budgets and watchlists to one each, and no retirement planner appears on the pages we read. Copilot PLUS costs €69.99 a year and adds the advanced analysis.
What Finanzfluss Copilot does better than Empower
- Page text states encrypted storage on German servers
- Unlimited portfolios on the permanently free plan
- Household book and depots together in one app
- Dividend calendar and CSV export without paying
Where Finanzfluss Copilot is a step down from Empower
- Interface and pages in German only
- Free plan allows a single budget and watchlist
- No retirement planner seen
Standout against Empower. Finanzfluss Copilot is the only tracker here that names German servers for stored data.
Best for: Self-directed investors who want exact return figures and no cloud account
Portfolio Performance is a different kind of tool from Empower. It is a desktop program for Windows, macOS and Linux that calculates true-time weighted return and IRR across several depots, with data held as XML or CSV. The provider named in the imprint is Andreas Buchen of Mannheim.
Nothing is synced. You enter or import transactions yourself, and the pages we read show no price, no licence name and no support terms. In return, no vendor server holds your holdings, which removes the jurisdiction question entirely. Rebalancing against asset allocations you define is built in.
What Portfolio Performance does better than Empower
- Data stays in local files in an open format
- True-time weighted return and IRR across depots
- No account or login with a vendor
- Rebalancing with asset allocations you define
Where Portfolio Performance is a step down from Empower
- No bank or broker sync on the pages we read
- Provider is an individual with no stated support terms
- No budgeting, retirement planner or mobile-first dashboard
Standout against Empower. Portfolio Performance is the only option here where nothing leaves your computer by default.
Best for: French speakers who want tracking and PEA, crypto or life insurance from one company
Finary is the European tool that most resembles Empower's business model: tracking plus regulated products under one roof. Finary SAS is registered in Paris, states ACPR authorisation as an investment firm and AMF authorisation for crypto services, and lists a fee scanner and a passive income view among its tools.
The comparison breaks down on pricing and coverage. The plan names Lite, Plus and Pro appeared in the text we read, but no prices did. The offer is built around French products like PEA and assurance vie, and the legal text is long because of the financial services.
What Finary does better than Empower
- ACPR and AMF authorisations named in the legal notice
- Fee scanner that looks for hidden costs
- Interface in French, English and Spanish
- Passive income and dividends view
Where Finary is a step down from Empower
- Plan prices not shown in the text we read
- French products dominate and matter less outside France
- Hosting location not stated
Standout against Empower. Finary combines net worth tracking with a fee scanner, inside a firm supervised by French authorities.
Best for: Dividend investors who want a payout calendar and net dividend figures
DivvyDiary does one job Empower barely touches: it plans dividend income. A personal dividend calendar, net dividend calculation, backtesting and a forecast sit on top of broker integration. QuerGradAus GmbH in Korntal-Münchingen says the database covers more than 68,000 stocks and ETFs.
It is not a net worth dashboard. There is no budgeting, account aggregation or retirement planner, the free Scrimper plan allows one portfolio, and the privacy policy names US providers Twilio and Google. Hosting is by Hetzner in Germany. Aristocrat costs €7.50 a month or €89.99 a year.
What DivvyDiary does better than Empower
- Dividend calendar with net payout figures
- Backtesting and forecast for dividend income
- Hetzner hosting in Germany named in the privacy policy
- Annual price published in euros
Where DivvyDiary is a step down from Empower
- No budgeting, bank aggregation or retirement planner
- Free plan allows one portfolio
- Privacy policy names US providers
Standout against Empower. DivvyDiary is built around the question of which payout arrives on which day.
Best for: Investors who follow dividend and earnings dates and enter holdings by hand
Stock Events gives you a calendar of dividends and earnings for your watchlist and portfolio, plus portfolio analytics, AI messages and API access in Pro. Stock Events GmbH is based in Lastrup, Lower Saxony, and says it is trusted by over 1 million users.
Prices are in US dollars: Pro is $49.99 a year, and automatic brokerage and crypto sync is a separate Connect add-on at $0.99 per week. The free plan tracks 15 stocks and updates manually. That makes it a weak substitute for a dashboard that syncs accounts for nothing.
What Stock Events does better than Empower
- Events calendar for dividends and earnings dates
- API access in the Pro plan
- German imprint with HRB number
- Web, iOS and Android apps
Where Stock Events is a step down from Empower
- Sync costs extra at $0.99 per week
- Free plan limited to 15 stocks
- Prices in US dollars, not euros
Standout against Empower. Stock Events is the only tool here with an API on its paid plan.
Best for: People who type in assets by hand and want to share no name, email or bank login
TrackMyStack inverts Empower's approach. It asks for no name, no email and no bank login, and you enter stocks, funds, crypto, property, loans and cash yourself, in portfolios with their own currencies. Beeblesoft Ltd, registered in England and Wales, publishes the tool.
The cost is effort and precision. Every entry is manual, the terms call prices and exchange rates delayed estimates, and the pages we read show no price, no city and no hosting location. The company is in the UK, outside the EU, and its optional AI assistant sends content to US providers.
What TrackMyStack does better than Empower
- No personal data or bank credentials required
- Property, loans and cash alongside securities
- Unlimited portfolios, each with its own currency
- Export and import of your data
Where TrackMyStack is a step down from Empower
- No automatic sync, every holding entered manually
- Prices described as delayed estimates
- UK company, hosting and price not stated
Standout against Empower. TrackMyStack works with no account identity at all, which no bank-linked tracker can match.
Best for: Users in Poland who want transactions, net worth and runway in one paid app
Freenance imports transactions through PSD2 and Synci.io, and through MT940 or CSV files, then shows net worth and a financial freedom runway. The runway estimates how many years you could live without working, the nearest thing here to a retirement view. The page states EU storage on AES-256 encrypted disks.
The provider is a sole trader, Rafał Bajda in Warsaw, which gives less corporate backing than a GmbH. Paid prices are in złoty including VAT and were not read, and some AI processing runs through Google, possibly outside the EEA. A 14-day trial needs no credit card.
What Freenance does better than Empower
- EU data storage stated on the product page
- PSD2, MT940 and CSV import in one app
- Runway view for financial independence
- Trial without a credit card
Where Freenance is a step down from Empower
- No permanent free plan, paid after 14 days
- Sole trader as the provider
- AI features may process data outside the EEA
Standout against Empower. Freenance turns net worth into a single number of years you could live without working.
Best for: Beginners who want to learn from other investors' public portfolios
Moning is a free account for building portfolios and researching stocks, funds, ETFs and crypto, and for reading the public portfolios of other members. Epsylia OÜ in Tallinn publishes it. Its terms name Scalingo in Strasbourg as host and Estonian law as the governing law.
It is not a wealth dashboard. The terms call the site purely educational, say it manages no funds, and the pages we read show no broker sync, no budget tools and no paid tiers. For someone leaving Empower for its account aggregation, Moning will feel like a step sideways.
What Moning does better than Empower
- Free account with portfolios and research
- Host and governing law named in the terms
- Public portfolios to learn from
- Interface in French, German, Spanish and English
Where Moning is a step down from Empower
- No account aggregation or broker sync seen
- No budgeting or retirement planning
Standout against Empower. Moning lets you read how other members have built their portfolios.
Best for: Investors who want to test ideas in a virtual portfolio and follow other traders
wikifolio lets members build virtual portfolios and follow the wikifolios of other traders. Registration is free for viewing and virtual portfolios. wikifolio Financial Technologies AG in Vienna lists its register number, VAT ID and shareholders, including Speedinvest at 22 percent.
It does not read your real broker accounts, so it cannot give the net worth view Empower gives. The pages we read do not state data hosting or the cost of the investment products, and no budgeting or retirement tools exist. It answers a different question from Empower.
What wikifolio does better than Empower
- Virtual portfolios to test ideas without money
- Shareholders disclosed on the disclaimer page
- Austrian AG with published register number
Where wikifolio is a step down from Empower
- Does not aggregate real broker accounts
- No budgeting or retirement planner
- Investment product fees not read
Standout against Empower. wikifolio is the one tool here where you can follow another trader's portfolio.
Best for: Active stock pickers who pay for ranked research and want monitoring beside it
Stockopedia is a research platform first. StockRanks score shares on quality, value and momentum, the screener has 350+ ratios, and portfolio monitoring is included in all plans. Stockopedia Ltd of the United Kingdom, company number 06367267, provides it, and prices are public in euros.
It is also by far the most expensive entry here: €550 a year for Europe including the UK and €725 for US and Europe, with a card needed for the 14-day trial. It is a research tool, not an account aggregator, so it will not replace the free Empower net worth view.
What Stockopedia does better than Empower
- StockRanks scoring and a screener with 350+ ratios
- Public yearly prices in euros
- Portfolio monitoring included in every plan
Where Stockopedia is a step down from Empower
- From €550 a year against free tools
- No account aggregation or budgeting
- Card needed to start the trial
Standout against Empower. Stockopedia ranks stocks by quality, value and momentum, which Empower's dashboard does not list.
What actually breaks when you switch
Account links do not carry over. Whatever links Empower holds to your institutions belong to Empower, and none of the European tools can reuse them. You re-authorise each bank and broker in the new tool, and the history that Empower stored only moves if you export it as a file first. Expect to reconcile the first month by hand.
Habits change too. Empower's planner, cash flow view and adviser conversations will not exist in the same shape. If you pay for Empower wealth management, switching trackers does not end that relationship, so close or move the investment accounts separately. Currency matters too: moving from dollar balances to euro-based tools can shift how returns are shown.
Can I export my Empower data before I leave?
We did not find an export description on the Empower pages we read, so check your own dashboard for a download of transactions or holdings before you close the account. Do that first, because most of the European tools can import files but not read an Empower login.
Portfolio Performance, Finanzfluss Copilot and Freenance accept CSV imports, and Freenance adds MT940 and PSD2 import. TrackMyStack lists import and export of data. Plan a short test with one account before you move your whole history.
Do I lose my US accounts when I switch to a European tracker?
Possibly, in the sense that the European tools center on European brokers and banks. The pages we read for getquin, Finanzfluss Copilot and Freenance describe connections to banks and brokers in their own markets, and Finary leans on French products such as PEA and life insurance.
If you hold a mix of US and European accounts, TrackMyStack is the simplest way to see everything. It takes manual entries in several currencies, including property, loans and cash, and asks for no bank login.
Which one to pick
Pick getquin or Finanzfluss Copilot if the free net worth dashboard was the point. Both are free, both are German, and Finanzfluss Copilot is the one that states German servers. Pick Parqet if what you used was portfolio analysis, and Portfolio Performance if you want exact returns and no vendor holding your data.
Pick Finary if you live in France and want tracking beside regulated products, Freenance if you are in Poland, DivvyDiary or Stock Events for dividend and earnings dates, and TrackMyStack for anonymous manual tracking. Moning and wikifolio are learning and social platforms, and Stockopedia is a paid research tool. None of them replaces Empower's advisers or its retirement planner.
Frequently Asked Questions
For a free net worth view with many broker and bank connections, getquin from Berlin and Finanzfluss Copilot from Berlin are the closest matches. For ETF look-through, Parqet from Hamburg. For exact return figures on local files, Portfolio Performance from Mannheim. For a French saver, Finary from Paris. The right pick depends on which Empower tool you actually used.
Yes. Parqet Basic, getquin Free, Finanzfluss Copilot Free, DivvyDiary Scrimper, Moning and wikifolio registration cost nothing, and Portfolio Performance shows no price at all on the pages we read. Free plans cap something: Parqet allows one portfolio and two integrations, DivvyDiary one portfolio, and Stock Events 15 stocks.
Empower's corporate headquarters are in Greenwood Village, Colorado, according to its contact page. Its terms refer disputes to the courts of Arapahoe County, Colorado, and its advisory arm is an SEC-registered investment adviser owned indirectly by Empower Annuity Insurance Company of America.
None of them fully. getquin names a retirement plan and financial goals in its Wealth tier at €149.99 a year, and Freenance shows a financial freedom runway that estimates how many years you could live without working. The other tools on this page do not list a retirement planner on the pages we read.
Portfolio Performance, an open source desktop program for Windows, macOS and Linux that stores your transactions in local files. TrackMyStack asks for no name, email or bank login, though it is a web service. Finanzfluss Copilot, Moning, DivvyDiary and Freenance state German, French or EU storage instead.
Related comparisons
About the author
Explore More European Alternatives
Discover privacy-focused European alternatives to other popular US tech services.