What Empower Personal Dashboard costs
Empower Personal Dashboard charges 0.89% per aum, rising to 0.79% down to 0.49% per aum on the top tier. There is a free tier below that. Verified 21 July 2026.
The plans, side by side
| Plan | Price | Included | Not included |
|---|---|---|---|
| Personal Dashboard | Price$0per month | Included
| Not included
|
| Personal Strategy | Price0.89%per year, charged on the balance you hold | Included
| Not included
|
| Private Client | Price0.79% down to 0.49%per year, charged on the balance you hold | Included
| Not included
|
- Free tier: yes. Empower says plainly that the dashboard experience and financial tools are completely free. There is no paid dashboard tier: the business model is the advisory service sold alongside it.
- Billing currency: Everything is priced in US dollars and structured around US accounts.
Prices taken from Empower Personal Dashboard’s own pricing page(opens in a new tab), checked 21 July 2026.
What Delphina costs
Priced in pounds, billed monthly, cancel whenever. No percentage of your pot.
- Free
- £0per month
- Wealth Builder
- £9.99per month
- Investor
- £19.99per month
Full Delphina pricing (https://delphina.money/pricing)
Which plan you would actually be on
- Personal Dashboard at $0 per month is the tier that covers net worth, cash flow and transactions.
- Personal Strategy at 0.89% per aum is the tier that covers a dedicated financial adviser and a managed portfolio.
- Private Client at 0.79% down to 0.49% per aum is the tier that covers tiered rates for portfolios above $1m.
Empower Personal Dashboard suits us investors who want a free, detailed view of net worth and portfolio fees in one place, so that is the lens to pick a tier through.
What the price does not cover
- Everything is priced in US dollars and structured around US accounts.
- Empower says plainly that the dashboard experience and financial tools are completely free. There is no paid dashboard tier: the business model is the advisory service sold alongside it.
- Any advice or managed portfolio
- UK pension, ISA and tax modelling
- Anyone below the $100,000 investment services minimum
Feature by feature
This page is about price. For the feature-by-feature comparison, see Delphina vs Empower Personal Dashboard.
Where Delphina fits
Delphina's Free plan is £0 with no time limit and no card. Wealth Builder is £9.99 a month, Investor £19.99, both billed in pounds.
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
Empower Personal Dashboard costs 0.89% per aum. Prices were checked on 21 July 2026.
Yes. Empower says plainly that the dashboard experience and financial tools are completely free. There is no paid dashboard tier: the business model is the advisory service sold alongside it. The paid tiers add the features listed above.
Everything is priced in US dollars and structured around US accounts. The size of that fee is set by your card issuer, not by Empower Personal Dashboard, so check your card's terms.
The decision-relevant difference is that Personal Strategy adds a dedicated financial adviser and a managed portfolio. Personal Dashboard covers net worth, cash flow and transactions.
There are cheaper tools in the investing category, though most trade away something Empower Personal Dashboard does well. Delphina has a free tier at £0 with no card and no expiry, and Wealth Builder at £9.99 a month; the trade-off is that it is built around UK pensions, ISAs and tax rather than the job Empower Personal Dashboard does for us investors who want a free, detailed view of net worth and portfolio fees in one place.