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Exent vs Empower: Which Is Better for Analyzing Your Portfolio?

Empower is a free dashboard for net worth and retirement across linked accounts, funded by its advisory service. Exent is a full check of how your investment portfolio is built and what could hurt it. Here is how they compare, as of October 2026.

Reviewed by:David, Senior AnalystPublished Oct 22, 2026Updated Oct 22, 20265 min readHow we research

Disclosure: Exent publishes this page and makes one of the products discussed. Facts about other products are checked on their own sites and dated. Our editorial policy explains how.

Key takeaways

For analyzing an investment portfolio, Exent is the stronger tool: 16 checks in about a minute, including correlation clusters, crash replays through five selloffs, a risk-matched benchmark and analyst views on your holdings.
Empower’s Personal Dashboard is free and centers on net worth, cash flow and retirement planning across linked accounts. Empower earns money from advisory services at 0.89% a year from $100,000 (October 2026).
Exent needs no brokerage login: it reads a screenshot or file. Empower works from linked accounts.
Exent is a paid subscription with no advisory service attached; it does not manage money or give personal advice.

In this article

Exent or Empower: which is better for portfolio analysis?
Exent vs Empower side by side
What is Empower’s Personal Dashboard?
What does Exent show that Empower doesn’t?
Do you have to link your accounts?
How is each one paid for?
Who is Exent built for?

Exent or Empower: which is better for portfolio analysis?

Exent, if the question is how your investments are built and how they would hold up in a crash. Empower’s dashboard gives a broad view of a household’s finances, with allocation, a benchmark comparison and a stress test inside its portfolio section. Exent goes further on the portfolio itself: it measures which holdings move together, replays today’s weights through five named selloffs, and judges the results against a benchmark that carries the same risk.

Exent vs Empower side by side

	Exent	Empower Personal Dashboard
Main job	Portfolio structure, risk and ideas	Net worth, cash flow and retirement planning
How holdings get in	Screenshot, CSV, Excel, PDF or Google Sheet; no login	Linked accounts
Overlap	Correlation clusters: how many independent bets you hold	Allocation view
Crash replays	2008, 2018, 2020, 2022, 2025 on your current weights	Stress test in portfolio analysis
Benchmark	Risk-matched benchmark	Benchmark comparison
Risk-adjusted metrics	Sharpe, Sortino, Calmar, drawdown, efficient frontier	Not the focus
Holdings scorecard	Each position labelled	Not listed
Analyst and insider activity on holdings	Yes, with analysts ranked by past accuracy	Not listed
What-if simulator	Yes	Not listed
Market context	Daily, with cited sources	Not the focus
Price (Oct 2026)	$1.95 3-day trial, then $59/month	Free; advisory 0.89%/yr from $100k

What is Empower’s Personal Dashboard?

It is a free money dashboard from a firm that sells wealth management. Its financial tools page lists net worth, portfolio analysis, a retirement planner, budgeting and cash flow, savings and debt planners, and a Fee Analyzer. Accounts are linked so balances update on their own. Per its Personal Strategy page, advisory accounts start at $100,000 with a 0.89% annual fee as of October 2026, and Private Client starts at $1 million.

What does Exent show that Empower doesn’t?

Exent is built for the investment portfolio, so it measures things a household dashboard does not center on:

Correlation clusters. Holdings that look different but move together, so 20 tickers can behave like 5. See portfolio correlation.
Named crash replays. Your current weights run through 2008, 2018, 2020, 2022 and 2025, each a different kind of selloff.
Return for the risk taken. Sharpe, Sortino and Calmar ratios, drawdowns, the efficient frontier and a risk-matched benchmark, so a cautious portfolio is not judged against an all-stock index.
A holdings scorecard labelling each position Wealth Generating, Wealth Preserving, Prospect or Risky, with what Wall Street analysts and company insiders are doing in it.
A what-if simulator to change tickers and weights and see the effect before you trade.

Do you have to link your accounts?

With Exent, no. You upload a screenshot of your holdings or a file, and nothing connects to your brokerage, bank or 401(k). That suits investors who would rather not give any third party ongoing access to their accounts. Exent supports several portfolios, so taxable and retirement accounts can be checked side by side. Empower’s dashboard works from linked accounts, which is how it keeps balances current.

How is each one paid for?

Exent is paid for by its subscribers. It is not an adviser or broker, so no advisory service is attached to it. It starts with a short paid trial and can be cancelled anytime in Settings → Membership. Empower’s dashboard is free to use and sits next to its paid wealth management offer. For a fee check on funds you hold, our guide on how to check your fund fees shows the manual method.

Who is Exent built for?

Self-directed investors with a real portfolio, often spread across a few accounts, who want to know where the risk sits: how concentrated they are, which holdings move together, and what a 2022-style year would do. The checks behind it are explained in hidden portfolio risks. Exent is a web app that works in any phone browser; there is no app-store app.

How to check your portfolio with Exent

Upload a screenshot of your holdings, or a CSV, Excel, PDF or Google Sheet; no brokerage login.
Exent groups holdings that move together into correlation clusters and replays the portfolio through 2008, 2018, 2020, 2022 and 2025.
Compare the results with a risk‑matched benchmark, then test changes in the what‑if simulator before you trade.

Check my portfolio

Exent is our product. Educational content, not investment advice.

Frequently asked questions

For a deep check of an investment portfolio, Exent: it adds correlation clusters, named crash replays, a risk-matched benchmark, risk-adjusted ratios and analyst views on your holdings. Empower’s free dashboard centers on net worth and retirement planning.

Exent. It runs 16 checks on your holdings in about a minute from a screenshot or file, with no account linking.

No. Exent reads a screenshot, CSV, Excel, PDF or Google Sheet of your holdings. It never asks for a brokerage login.

Empower says its dashboard and tools are free. It earns money from optional wealth management, which starts at $100,000 with a 0.89% annual fee as of October 2026.

Yes. Exent reads a screenshot or file of your holdings, so it works alongside any broker or dashboard you already use.

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See what your portfolio is really made of.

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Educational content, not investment advice. Examples are illustrative; past performance does not guarantee future results.

DISCLAIMER: Exent AI is an informational research platform and does not provide investment advice, financial advice, or act as an investment adviser, broker-dealer, or fiduciary. All content, analytics, and model outputs are provided for educational and informational purposes only and should not be relied upon as a recommendation to buy, sell, or hold any financial instrument. Investing involves risk, including the possible loss of principal. Exent AI does not execute trades, hold customer funds, or provide brokerage services. Past performance and hypothetical results are not indicative of future results. Third-party data and AI-generated outputs may be incomplete or inaccurate.