The five year number
Five years of Empower Personal Dashboard comes to $0 for the dashboard, or about $11,125 in advisory fees on a $250,000 portfolio held flat. The dashboard genuinely costs nothing and you can use it without ever engaging the advisory arm. The three-year and five-year figures hold the portfolio flat at $250,000 for clarity; in practice the fee is charged on the current value. Verified 21 July 2026.
Year by year
| Time held | Empower Personal Dashboard | Delphina |
|---|---|---|
| After 1 year | Empower Personal Dashboard$0 for the dashboard. If you take the advisory service, 0.89% a year, which is about $2,225 on a $250,000 portfolio | Delphina£119.88 |
| After 3 years | Empower Personal Dashboard$0 for the dashboard, or about $6,675 in advisory fees on a $250,000 portfolio held flat | Delphina£359.64 |
| After 5 years | Empower Personal Dashboard$0 for the dashboard, or about $11,125 in advisory fees on a $250,000 portfolio held flat | Delphina£599.40 |
Delphina Wealth Builder at £9.99 a month, held flat.
The dashboard genuinely costs nothing and you can use it without ever engaging the advisory arm. The three-year and five-year figures hold the portfolio flat at $250,000 for clarity; in practice the fee is charged on the current value.
Costs that are not on the price list
These do not show up when you sign up, but they show up on your statement.
- Hidden cost: The real cost is the advisory upsell: the dashboard is free because it introduces you to a 0.89% managed service
- Hidden cost: Empower notes underlying ETF expense ratios averaging 0.06% on top of the advisory fee
- Hidden cost: The advisory fee is a percentage, so it scales with your portfolio while the work does not
- Hidden cost: Your data and your contact details are what the free tier is funded by
Figures based on Empower Personal Dashboard’s published prices(opens in a new tab), checked 21 July 2026.
What you are paying for
For us investors who want a free, detailed view of net worth and portfolio fees in one place, that is a fair price. Genuinely free, with no paid tier on the dashboard itself: Empower states the tools cost nothing. Strong portfolio analysis, including a fee analyser that shows what your funds are quietly costing you.
A five year total always looks large written down. Judge it against what the tool actually changes, not against the headline on its own.
Plans and tiers
This page is about the running total. For the tier structure and what each plan includes, see Empower Personal Dashboard pricing.
The same five years on Delphina
Delphina's Free plan is £0 for as long as you want it, no card. Wealth Builder is £9.99 a month, so five years is £599.40 if you stay on it the whole time, billed in pounds with no FX fee.
Empower's dashboard is free and its portfolio analysis is better than ours. The trade is that you are the lead, not the customer, and the whole thing is built around US accounts and US tax. Delphina charges for the plan instead of selling you an advisory relationship, and the rules it models are UK ones.
More on Empower Personal Dashboard
Empower Personal Dashboard: common questions
It is worth it for us investors who want a free, detailed view of net worth and portfolio fees in one place. It is a poor buy for anyone who needs it is free because it is a funnel into a wealth management service, so the upsell is the product, because that is not what it is built to do.
4 things are not on the pricing page: the real cost is the advisory upsell: the dashboard is free because it introduces you to a 0.89% managed service; empower notes underlying etf expense ratios averaging 0.06% on top of the advisory fee; the advisory fee is a percentage, so it scales with your portfolio while the work does not; your data and your contact details are what the free tier is funded by.
Everything is priced in US dollars and structured around US accounts. Any pound figure is an approximation at the exchange rate on the day, and that rate moves, so treat it as a guide rather than a fixed price.
Free tools in this category generally give up either the depth or the account connections. Delphina's free tier gives up the deeper scenario modelling that the paid plans carry, but costs £0 with no card and no expiry.