Comparison

Infnits vs Empower (Personal Capital)

Empower (formerly Personal Capital) is a free wealth-tracking platform with paid advisory services — it aggregates all your accounts and pitches you on paid financial planning. Infnits is a free dividend and portfolio analytics app with no advisor upsell. Here is how they compare in 2026.

TL;DR

  • Empower is free but its business model is converting you to paid wealth management — expect sales calls.
  • Infnits is free software with no advisor sales; upgrade path is a simple Pro tier.
  • Empower covers all of personal finance (banking, retirement, cash flow). Infnits specializes in dividend-bearing portfolios.
  • Pick Empower if you want an all-in-one net-worth dashboard and are fine with sales outreach. Pick Infnits if you want deep dividend analytics without marketing friction.

Feature-by-feature comparison

FeatureInfnitsEmpower
Core use caseDividend income + portfolio analyticsNet worth + wealth management sales
Dividend calendarYesLimited (account-level only)
Dividend income forecastStochastic per-holdingNo
Portfolio health scoreYesRetirement Planner score
Monte Carlo projectionsYesYes (retirement-focused)
AI insightsYes — dividend-specificNo
Fee analyzerNoYes
Cash flow / budgetingNoYes (basic)
Advisor sales callsNoneYes (if assets over $100K)
Mobile appiOS + AndroidiOS + Android + Web
PricingFree + ProFree app + paid advisory (0.89% AUM)

Where Infnits is stronger

  • No advisor sales pipeline — it's software, not a lead-gen app
  • Dividend calendar and per-holding income forecasting Empower does not offer
  • Transparent Pro pricing instead of AUM-based advisory fees
  • Monte Carlo simulation purpose-built for dividend portfolios

Where Empower is stronger

  • Full personal finance aggregation (banking, credit cards, retirement)
  • Fee analyzer flags high-cost funds in 401(k)s
  • Robust Retirement Planner with Monte Carlo

Who should pick what

Pick Infnits if: Investors who want focused dividend analytics and portfolio health scoring with zero advisor sales friction.

Pick Empower (formerly Personal Capital) if: Investors who want a single free dashboard for all their accounts and don't mind periodic pitches for paid wealth management.

Frequently asked questions

Is Empower really free?

The tracking app is free, but Empower's revenue comes from converting users with $100K+ in investable assets into their paid advisory service (0.89% AUM historically). If you don't want those calls, Infnits is a cleaner experience.

Does Empower track dividends well?

Empower reports account-level dividends but does not provide a forward dividend calendar, per-holding income forecast, or dividend safety analysis. Infnits is purpose-built for those workflows.

Can I use both?

Yes. Many people use Empower for its retirement planner and fee analyzer, and Infnits for dividend-specific tracking. They don't conflict.

Try Infnits free

Connect your brokerage, see your real portfolio with projected dividend income, Monte Carlo forecasts, and AI-generated insights — all in a native iOS and Android app.

Get Infnits

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