Empower is a free net‑worth and planning dashboard paid for by its advisory business. Morningstar Investor is a paid research subscription with portfolio X‑Ray. What each does, what it costs as of October 2026, and a different approach that needs no account linking.
They answer different questions. Empower answers “where do I stand overall?” across linked accounts. Morningstar Investor answers “what exactly am I holding in my funds?” with research and X-Ray. Exent answers a third question, “how would my portfolio behave in a crash, and is my risk paying off?”, from a screenshot or file of your holdings.
| Empower Personal Dashboard | Morningstar Investor | Exent | |
|---|---|---|---|
| Price (Oct 2026) | Free | $249/yr ($20.75/mo) or $34.95/mo, 7-day trial | Paid, with a short trial |
| Business model | Free tools; paid wealth management | Subscription | Subscription |
| How holdings get in | Linked accounts | Linked accounts or manual transactions | Screenshot, CSV, Excel, PDF or Google Sheet; no brokerage login |
| Net worth and budgeting | Net worth, cash flow, savings and debt planners | Not the focus | Not the focus |
| Portfolio analysis | Allocation, benchmark comparison, stress test | X-Ray: asset allocation, sector weightings, fees | 16 checks: concentration, correlation clusters, efficient frontier, Sharpe, Sortino, Calmar |
| Crash view | Stress test | Not the focus | Replays of 2008, 2018, 2020, 2022 and 2025 |
| Benchmark | Benchmark comparison | Performance charts against indexes | Benchmark matched to your risk |
| Overlap | Allocation view | Stock Intersection across funds | Correlation clusters of holdings that move together |
| Analysts | Not the focus | Morningstar’s own analyst research and fund ratings | Wall Street analysts ranked by past accuracy, on your holdings |
| Advice | Optional paid advisory: $100k+ at 0.89% | None; research only | None; analysis only |
Its financial tools page lists net worth, portfolio analysis, a retirement planner, budgeting and cash flow, savings and debt planners, and a Fee Analyzer, and says the dashboard and tools are free. Insights are based on connected accounts. Empower earns money from its advisory service: per its Personal Strategy page, the minimum is $100,000 and the fee is 0.89% a year up to $999,999; Private Client starts at $1 million with a tiered fee from 0.79%. See flat-fee vs AUM advisors.
Its portfolio tools page describes X-Ray (asset allocation, sector weightings and fees across your funds), Stock Intersection (how much of one company you own through several funds), holdings monitoring and performance charts against indexes, alongside Morningstar’s research and fund ratings. It costs $249 a year or $34.95 a month after a 7-day trial, with no free tier. See ETF overlap and Morningstar X-Ray alternatives.
Exent focuses on portfolio risk and needs no account linking: you upload a screenshot of your holdings, or a CSV, Excel, PDF or Google Sheet. It runs 16 checks in about a minute, including correlation clusters of holdings that move together, replays of your current weights through 2008, 2018, 2020, 2022 and 2025, a benchmark matched to your risk and the efficient frontier. It also shows what Wall Street analysts, ranked by past accuracy, and insiders are doing on the stocks you hold, and a what-if simulator lets you test changes before you trade.
It does not do budgeting, retirement planning or fund look-through. See how a portfolio stress test works and Exent vs Empower.
Empower is a free dashboard for net worth and retirement planning, built on linked accounts and funded by its advisory business. Morningstar Investor is a paid research subscription with X-Ray for allocation, overlap and fees.
Empower says its dashboard and financial tools are free. It earns money from optional wealth management, which starts at a $100,000 minimum and a 0.89% annual fee as of October 2026.
As of October 2026, $249 a year or $34.95 a month, with a 7-day free trial. There is no free tier.
Empower’s insights are based on connected accounts. Morningstar Investor lets you link accounts or enter transactions manually. Exent needs no brokerage login; it reads a screenshot or file of your holdings.
Exent replays your current weights through 2008, 2018, 2020, 2022 and 2025. Empower’s portfolio analysis includes a stress test, and Morningstar Investor’s tools focus on X-Ray and fund overlap.
Upload a screenshot of your holdings and get concentration, overlap, crash exposure and a risk-matched benchmark in about a minute.
Educational content, not investment advice. Examples are illustrative; past performance does not guarantee future results.