Empower (Personal Capital) Alternatives for Expats and International Investors

Disclosure: FlashFi is a competitor to the products mentioned.

Disclosure: FlashFi is one of the alternatives listed. This is our honest assessment based on publicly available information.

If you are reading this, you probably already know the problem. You used Empower (formerly Personal Capital) in the US and it was great — free dashboard, automatic account connections, a retirement planner that actually worked. Then you moved abroad. Maybe to Portugal, or Thailand, or the Netherlands. And slowly, Empower stopped being useful.

Your Portuguese bank account? Cannot connect it. Your European brokerage? Invisible. That multi-currency Wise account you use for everything? Does not exist as far as Empower is concerned. The retirement planner still assumes you will spend your golden years in Scottsdale, not Lisbon.

Empower explicitly does not support international accounts. Their infrastructure depends on Plaid connections to US banks, with no multi-currency conversion and no roadmap for international support. Add in the relentless nudges toward their advisory service (0.89% AUM, $100K minimum), and the case for finding something better becomes clear.

Here are seven alternatives that actually work for people whose finances cross borders.

Quick Comparison¶

Monarch Money¶

Monarch Money has positioned itself as the natural successor to both Mint and, increasingly, as an alternative to Empower’s free dashboard. After absorbing much of Mint’s displaced user base when Mint shut down in March 2024, Monarch has invested heavily in making budgeting and investment tracking work together in a single, polished app.

Pricing: $99.99/year billed annually, or $14.99/month billed monthly. No free tier, but a 7-day free trial is available. Monarch occasionally runs promotions — their NEWYEAR2026 code offered 50% off the first year.

Strengths:

• Combined budgeting and investment tracking in one app — the thing Empower does well, Monarch matches
• Clean, modern interface with strong mobile apps on both iOS and Android
• Connects to over 10,000 US and Canadian financial institutions via Plaid
• Collaborative features for couples and households sharing finances at no additional cost
• Solid net worth tracking with historical charts and category-based spending analysis
• Two budgeting modes: traditional category budgets and flex budgeting for less rigid tracking

Weaknesses:

• Only supports US and Canadian bank connections — if you have accounts outside North America, they will not sync
• No multi-currency support — everything is displayed in USD or CAD with no currency conversion
• Cannot download the app outside US and Canadian app stores
• Investment tracking is basic compared to dedicated portfolio tools — fine for a 401(k) overview, less useful for active portfolio management across multiple brokerages

Best for: US or Canadian residents who want a combined budgeting and investment dashboard without the advisory service upsells. If you are leaving Empower because of the advisory pressure but still live in North America, Monarch is the strongest choice. For anyone living abroad with international accounts, it has the same fundamental limitations as Empower.

FlashFi¶

FlashFi is a multi-currency portfolio tracker and personal finance app built specifically for digital nomads, expats, and anyone managing money across multiple countries. Where Empower treats USD as the only currency that exists, FlashFi treats multi-currency as the foundation of everything it does.

Pricing: Operator plan at $12/month ($144/year). Apex plan at $39/month ($468/year) with advanced analytics. No free tier. Monthly billing, cancel anytime.

Strengths:

• Multi-currency from the ground up — every holding, cash account, and debt entry supports any currency, with real-time FX conversion to your chosen home currency
• Combines investment tracking (stocks, ETFs, crypto) with personal finance (cash accounts, savings, debt tracking across currencies)
• Switch your home currency anytime and see your entire portfolio re-denominated instantly — useful when you move countries
• Real-time market data via Tiingo for stocks, ETFs, and cryptocurrency pricing
• Mobile-first web app — designed to be checked from a phone in any time zone, no app store restrictions by country
• No bank credential sharing — manual entry means you control exactly what data the system has

Weaknesses:

• No automatic bank connections — all account data is entered manually (asset prices update automatically via market data feeds, but positions and balances require manual entry)
• Narrower asset coverage than Kubera — no alternative assets like private equity, NFTs, or real estate tracking
• No retirement planner or fee analyzer — the features Empower is genuinely best at
• Relatively new product compared to established players
• No free tier — paid from day one

Best for: Expats, digital nomads, and remote workers who earn, spend, and invest in multiple currencies and want both investment tracking and personal finance management in one app. Especially strong if you value multi-currency as a first-class feature and do not mind manual entry for account balances.

Kubera¶

Kubera is a premium net worth tracker aimed at high-net-worth individuals who hold a diverse range of assets beyond the standard stocks-and-bonds portfolio. If you own private equity, NFTs, domain names, real estate, watches, or wine alongside your index funds, Kubera is one of the few tools that tracks all of it in one place.

Pricing: Essentials plan at $249/year. Black plan at $2,499/year for nested portfolios, multi-entity management, concierge onboarding, and VIP support. A 14-day trial is available for $1.

Strengths:

• Unmatched alternative asset coverage — stocks, crypto, NFTs, DeFi, private equity (Carta integration), real estate with AI-powered appraisals, domains, collectibles, precious metals, watches, wine
• Bank connections via Plaid, Yodlee, and Salt Edge — over 20,000 institutions globally, covering more countries than any Plaid-only tool
• Dead Man’s Switch estate planning feature — designate a beneficiary who gets read-only access if you become inactive, plus a document vault for estate papers
• AI Import feature lets you upload screenshots or documents to add assets without API connections
• Nested portfolios on the Black tier for managing trusts, LLCs, holding companies, and multi-entity wealth structures
• Peer benchmarking against anonymous Kubera users in similar wealth brackets

Weaknesses:

• Expensive — $249/year for the entry tier is more than double most alternatives, and Black at $2,499/year targets a very specific wealth bracket
• No budgeting or personal finance tools — Kubera is purely an asset tracker and net worth calculator
• No mobile app — web-only interface, and the design is desktop-oriented
• Overkill if your portfolio is standard stocks, ETFs, and cash

Best for: High-net-worth expats with complex, multi-asset portfolios that include alternative investments. If you hold private equity, startup equity via Carta, real estate in multiple countries, or collectibles alongside traditional investments, Kubera handles what other trackers cannot. The estate planning features are also genuinely unique and valuable for expats managing wealth across jurisdictions.

Exirio¶

Exirio is a Swiss-based wealth tracking platform that supports over 40 currencies and connects to banks and brokerages across Europe and North America. One of the few trackers built with an international perspective from the start, not as a US tool with international features added later.

Pricing: Free tier available (one bank/brokerage connection, up to 10,000 transactions, includes ads). Premium at $10/month or $100/year (unlimited connections, unlimited transactions, automatic dividend tracking, no ads, priority support).

Strengths:

• Multi-currency support across 40+ currencies with automatic FX conversion to your chosen “owner currency”
• Currency vs. asset performance separation — you can see how much of your return comes from the asset moving and how much from FX movement, which is critical for international investors
• API connections to banks, brokerages, and crypto exchanges across Europe and North America
• Free tier is genuinely usable — full investment tracking with performance metrics at no cost
• Automatic dividend tracking on the premium plan
• Swiss-based with a privacy-focused approach
• Mobile app available on iOS

Weaknesses:

• Bank connection coverage is strong in Europe and North America but thinner in Asia, Africa, and South America
• Interface is functional but not as polished as some competitors
• Smaller company with less brand recognition and a smaller user community
• No budgeting or personal finance features — focused strictly on investment tracking and wealth management

Best for: International investors with accounts across Europe and North America who want automatic bank syncing, strong multi-currency support, and the ability to separate currency returns from asset returns. The free tier makes it low-risk to try. Particularly well suited for European expats or anyone who values Swiss privacy jurisdiction.

Finary¶

Finary is a France-based wealth management platform that has quietly become one of the most comprehensive financial trackers in Europe. It combines investment tracking, budgeting, bank syncing, and wealth simulation in a single app with a genuinely generous free tier that puts most competitors to shame.

Pricing: Free tier (2 bank connections, basic features, forever). Lite at EUR 54.99/year (~$60/year). Plus at EUR 149.99/year (~$165/year) with unlimited bank connections, fee scanner, geo and sector allocations, wealth simulation, and dividend tracking. Pro at EUR 349.99/year for professional features. 14-day free trial of Plus available.

Strengths:

• Generous free tier — connect 2 accounts and track your net worth at no cost, with no time limit
• Over 20,000 bank and brokerage connections, with particularly strong coverage across the EU and UK
• Combines investment tracking with budgeting in one app (Plus tier)
• Fee scanner identifies hidden fees and expensive expense ratios across your investment products — the closest thing to Empower’s fee analyzer in this list
• Wealth simulation projects your portfolio forward based on contributions and expected returns
• Dividend tracking with projected annual income and upcoming payment calendar
• Mobile apps for iOS and Android with regular updates

Weaknesses:

• Strongest in France and Western Europe — bank connections outside the EU are less reliable
• The app may not be available in all countries due to legal and regulatory restrictions
• Interface and content lean European — US-specific investment accounts (401k, IRA) are not a natural fit
• Community and support are predominantly French-speaking, though English support exists and is improving
• The free tier is limited to 2 connections — most expats have more accounts than that

Best for: European investors and expats based in Europe who want a full-featured wealth tracker with strong bank connections across the EU. The free tier makes it an easy first choice for anyone in a supported European country. If you moved from the US to Europe and miss Empower’s fee analyzer, Finary’s fee scanner is the closest equivalent.

Strabo¶

Strabo is a UK-based investment tracking app built explicitly for people who invest across borders. It supports synced connections to over 10,000 financial institutions across 11 countries, with a focus on making multi-country portfolio management feel natural rather than bolted on.

Pricing: Pro plan at GBP 9/month or GBP 70/year (~$89/year). Adviser plan at GBP 150/month for financial professionals. 7-day free trial available on all paid plans.

Strengths:

• Built specifically for expats and international investors — the founding premise, not a feature added later
• Synced connections to 10,000+ institutions across 11 countries including the US, UK, Canada, and major European markets
• AI assistant for portfolio insights, analysis, and investment questions
• Unlimited synced and manual account connections on the Pro plan — no cap on how many accounts you track
• Customizable dashboard with pages and widgets you can configure to your needs
• End-to-end data encryption for security
• Both web and mobile access

Weaknesses:

• Coverage is limited to 11 countries — if your accounts are in Southeast Asia, Latin America, or Africa, you will need manual entry for those
• Relatively small team and user base compared to established US tools — feature development may be slower
• GBP-based pricing may be inconvenient for non-UK users
• No budgeting or personal finance features — purely an investment tracker
• Limited track record — newer entrant with less independent review coverage

Best for: UK-based expats and international investors with accounts spread across the UK, US, Canada, and Europe. If Strabo covers the countries where you hold accounts, the combination of multi-country syncing, an expat-focused design philosophy, and an AI assistant makes it a strong choice at a reasonable price.

Lunch Money¶

Lunch Money is an indie budgeting app built by Jen Yip, a solo founder and digital nomad. It is a budgeting and expense tracking tool — not an investment tracker — with native multi-currency support for over 160 currencies. Including it here because many Empower users relied on the free dashboard for budgeting and cash flow tracking as much as for investment analysis.

Pricing: $10/month, or a pick-your-price annual plan starting at $50/year (minimum increasing to $60/year from March 2026). All features included at every price level — no tiers, no upsells.

Strengths:

• Native multi-currency support across 160+ currencies — transactions are stored in their original currency with historical exchange rates preserved for each transaction
• Bank syncing via Plaid (US and Canada, expanding into Europe), plus CSV import, developer API, and manual entry for anything Plaid does not cover
• Clean, thoughtful interface that does one thing well instead of trying to be everything
• Invite unlimited collaborators to share a budget — useful for couples or business partners
• Built by and for the digital nomad community — the founder lives the use case, which shows in every design decision
• Cryptocurrency tracking through integrations or manual entries
• Extremely affordable — potentially $50/year for the complete app with zero feature restrictions

Weaknesses:

• Not an investment tracker — no portfolio management, no stock or ETF pricing, no asset allocation analysis, no net worth from investments
• Bank syncing is strongest in the US and Canada — international connections are improving but not yet comprehensive
• Web-first with mobile companion apps — the mobile experience is functional but not native-feeling
• Solo founder — feature development is steady but slower than venture-backed teams
• No retirement planning, no fee analysis, no investment checkup — the features Empower is best known for

Best for: Digital nomads and expats who need multi-currency budgeting and expense tracking specifically. If your main frustration with Empower is losing the budgeting and cash flow features rather than the investment tracking, Lunch Money is the most direct replacement for international users. At $10/month with all features included, the value is hard to beat.

How to Choose¶

Your choice depends on what you actually used Empower for and where you live now.

If you want the closest Empower replacement and still live in North America: Monarch Money gives you the combined budgeting and investment dashboard experience at $99.99/year without the advisory service upsells. It is the most Empower-like experience in this list.

If you are an expat or nomad who needs multi-currency everything: FlashFi combines investment tracking and personal finance in one multi-currency app for $12/month. Exirio is also strong, especially with its free tier and European bank connections.

If you have a complex portfolio with alternative assets: Kubera is the only tool that tracks private equity, NFTs, real estate, domains, and collectibles alongside traditional investments. The $249/year cost is justified if you have assets that other trackers simply cannot handle.

If you are based in Europe: Finary’s free tier and 20,000+ European bank connections make it the most natural starting point. Start free, upgrade to Lite or Plus only if you need more connections or advanced features like fee scanning.

If you invest across the UK, US, and Europe: Strabo’s multi-country syncing across 11 countries is purpose-built for this use case, with an AI assistant that adds genuine value to portfolio analysis.

If you primarily need budgeting, not investment tracking: Lunch Money at $10/month gives you multi-currency budgeting built by someone who actually lives the nomad lifestyle. It is not trying to replace Empower’s investment features — it replaces the cash flow and spending side.

Keep Empower for your US accounts. If you still have a 401(k), IRA, or US brokerage, Empower remains the best free tool for monitoring those. The retirement planner and fee analyzer still work regardless of where you physically live. The smartest approach for many expats is to use Empower for US retirement accounts and one of the tools above for everything else.

No single tool perfectly replaces Empower’s combination of free investment analysis, budgeting, retirement planning, and fee analysis. But if you are an international investor, you were never getting the full value from Empower anyway — these alternatives will serve you better where it counts.

Try FlashFi — Multi-Currency Portfolio Tracking for Expats

By David Brougham