Comparison
Raziel vs Empower
The Empower Personal Dashboard, formerly Personal Capital, is a free app that links bank, credit, loan, retirement and brokerage accounts to show net worth, spending, investment allocation and retirement projections. Raziel is built for private markets: startups, SPVs, funds and entities, with founder tools under the same login.
Last reviewed October 28, 2026
At a glance
Which one fits you
Start with the portfolio you hold. Here is who each tool is built for, and what it costs.
Choose Raziel if
Investors with meaningful private holdings, such as startups, SPVs, fund commitments and holding entities, who want rounds, capital calls, documents and returns tracked for those positions, plus founder tools for the companies they run.
Pricing: Founder free to 100 contacts. Investor $49/month after a 14-day trial.
Choose Empower if
People who want a free, all-in-one view of everyday finances and public market investments: linked bank and brokerage accounts, budgeting, a retirement planner, fee analysis and home value.
Pricing: Free dashboard. Optional paid advice from 0.89%/year on the first $1M ($100K minimum).
Feature by feature
Raziel and Empower, side by side
The same rows on every comparison, with notes where the answer needs context.
| Feature | Raziel | Empower |
|---|---|---|
| Asset coverage | ||
| Startup equitySAFEs, convertible notes, priced rounds | Yes SAFEs, priced rounds and secondaries, re-marked when a new round is recorded. | Not listed Accounts that cannot be linked can be added manually; startup tracking is not described. |
| SPVs and fund LP positionsCommitments, capital calls, distributions | Yes Commitments, capital called, NAV and distributions beside direct holdings. | Not listed Capital calls and fund commitments are not described. |
| Entities and vehiclesLLCs, trusts, family office structures | Yes Holdings across LLCs, trusts and personal accounts. | Not listed |
| Public equitiesBrokerage accounts and stocks | Coming soon Brokerage connections are coming soon. | Yes Links brokerage, IRA and 401(k) accounts. |
| Real estateProperty values, income, gains | Coming soon Property tracking is coming soon. | Yes Home value from Zillow. |
| CryptoWallets and exchanges | Coming soon Wallet connections are coming soon. | Partly Added as manual holdings by symbol and amount. |
| Investor tools | ||
| Returns from cash flowsMOIC, IRR, TVPI, DPI | Yes MOIC, IRR, TVPI and DPI from the cash flows you record. | Partly Portfolio analysis and allocation checkup. IRR from private cash flows is not described. |
| Automatic document importStatements, K-1s, SAFEs | Yes Forward statements, capital call notices and SAFEs. AI is optional. | Not listed |
| Portfolio company newsRounds and headlines on your holdings | Yes Rounds and news on the companies you hold. | Not listed |
| Founder tools | ||
| Fundraising CRMInvestor pipeline for founders | Yes Kanban pipeline with target checks. | Not listed |
| Investor updatesWrite, send and track updates | Yes Open and click tracking. | Not listed |
| Cap tableOwnership, options, dilution | Yes Ownership, options and dilution for the company you run. | Not listed |
| Platform | ||
| SharingAdvisors, family, partners | Yes Owner, editor and viewer roles per workspace. | Not listed |
| Native mobile appsiOS and Android | Yes Live on the App Store and Google Play. | Yes Free apps on the App Store and Google Play. |
| Free planFree tier or free trial | Founder free to 100 contacts Founder is free through 100 contacts. Investor has a 14-day free trial. | Free dashboard Empower may contact dashboard users about its paid advice. |
| SecurityMFA, encryption, audits | Mandatory MFA Mandatory MFA, private networking. SOC 2 Type II and ISO 27001 in progress. | MFA, encryption Encryption, multi-factor authentication and device verification. |
| More differences | ||
| Budgeting and spending | No | Yes |
| Retirement planner | No | Yes |
| Optional human financial advicePaid advisory service with a $100K minimum. | No | Yes |
- Yes
- Partly
- Coming soon
- No
- Not listed
Key differences
What actually sets them apart
-
Everyday finances versus private markets
Empower links bank, credit, loan and brokerage accounts to show net worth, spending and retirement readiness. Raziel focuses on private positions: startups, SPVs, funds and the entities that hold them. Public equities, real estate and crypto are coming soon to Raziel.
-
Private investment detail
Empower does not describe tracking startup rounds or fund capital calls. Raziel records SAFEs, priced rounds, commitments, calls and distributions, and calculates MOIC, IRR, TVPI and DPI from those cash flows.
-
Documents
Raziel’s AI document import reads SAFEs, convertible notes and fund statements and records the details. Empower does not list document import.
-
Business model
Empower’s dashboard is free and Empower offers paid advice to its users. Raziel is a subscription: the Investor plan is $49/month through 30 companies after a 14-day trial, and the Founder plan is free through 100 contacts.
To be fair
Where Empower is strong
No tool is right for everyone. These are the areas where Empower does more than Raziel today.
- Free to use, with no subscription.
- Broad account linking across banks, credit cards, loans, mortgages, brokerages, IRAs and 401(k)s.
- Everyday money tools Raziel does not offer: budgeting, cash flow, a retirement planner and an investment fee analyzer.
- Automatic home value from Zillow and the option to add human financial advice.
Pricing
What each costs
Raziel
Founder free to 100 contacts. Investor $49/month after a 14-day trial.
- Founder: free through your first 100 contacts, then $29/month.
- Investor: 14-day free trial, then $49/month through 30 companies.
- Investor: $199/month for more than 30 companies.
- Paid plans auto-renew until you cancel.
See full pricing
Empower
Free dashboard. Optional paid advice from 0.89%/year on the first $1M ($100K minimum).
- Personal Dashboard and financial tools: free.
- Personal Strategy advisory: $100K minimum investable assets; fees reported at 0.89%/year on the first $1M, declining to 0.49% above $10M.
- Wealth Management: $250K minimum. Private Client: $1M minimum.
As listed on October 28, 2026. Check Empower’s site for current prices.
Switching
Moving from Empower to Raziel
Most of the setup is importing what you already have. The Investor plan starts with a 14-day free trial.
- Keep Empower for bank accounts, budgeting and retirement planning, and start a 14-day Investor trial on Raziel for private positions.
- Add your startup, SPV and fund positions in a few fields, or import them from a spreadsheet.
- Forward SAFEs, capital call notices and fund statements so Raziel’s AI can record the details.
- Carry your private total from Raziel into Empower as a manual account if you want one net worth number.
Raziel vs Empower: questions
Is Raziel an Empower alternative?
They solve different problems. Empower is a free personal finance dashboard for bank, credit and brokerage accounts. Raziel is built for private investments: startups, SPVs, funds and entities. Many investors could use both.
Can Empower track startup and SPV investments?
Empower lets you add accounts it cannot link by hand, but it does not describe tracking startup rounds, capital calls or fund distributions. Raziel tracks those and calculates MOIC, IRR, TVPI and DPI.
Does Raziel do budgeting or retirement planning?
No. Raziel focuses on private investment portfolios and founder tools. Empower’s dashboard includes budgeting, cash flow and a retirement planner.
Why does Raziel cost money when Empower is free?
Empower’s dashboard is free and Empower offers paid advisory services to its users. Raziel is subscription software: the Investor plan is $49/month through 30 companies after a 14-day free trial, and the Founder plan is free through 100 contacts.
Is Empower the same as Personal Capital?
Yes. Personal Capital’s free dashboard is now the Empower Personal Dashboard, and the App Store listing is still published under Personal Capital Corporation.
Sources
Where this information comes from
Product details change. Information about Empower comes from public sources listed below, reviewed October 28, 2026. Spotted something out of date? Contact us.
- Empower Personal Dashboard financial tools (empower.com)
- Empower Personal Dashboard on the App Store (apps.apple.com)
- Empower wealth management minimums (empower.com)
- Rob Berger: Empower review (fees, Zillow, crypto, security) (robberger.com)
Last reviewed October 28, 2026. Raziel details come from our pricing and security pages.
More comparisons
Compare Raziel with other tools
- Wealth management platform for advisors and family offices Raziel vs Addepar Addepar is a wealth data and reporting platform used by RIAs, private banks and single and multi-family offices. Read the comparison
- Net worth tracker Raziel vs Kubera Kubera is a personal balance sheet that pulls bank, brokerage, crypto, real estate and other assets into one net worth view. Read the comparison
- Wealth platform for family offices Raziel vs Masttro Masttro is a wealth reporting platform for single and multi-family offices, private banks, advisors and wealth owners with complex holdings. Read the comparison
Get started
Track every private position in one place
Start free on the Founder plan, or try the Investor plan free for 14 days.