Comparison

Empower (Personal Wealth, formerly Personal Capital) vs Ghostfolio

Empower (Personal Wealth, formerly Personal Capital) and Ghostfolio both land on Depends.

Empower (Personal Wealth, formerly Personal Capital)

Depends

Confidence: Medium

Use the free dashboard for net-worth tracking; it's among the best in class.

Depends

Confidence: Medium

Buy if you're a privacy-minded self-hoster comfortable running, updating, and patching your own server.

Empower (Personal Wealth, formerly Personal Capital) versus Ghostfolio
Compare	Empower (Personal Wealth, formerly Personal Capital)	Ghostfolio
Verdict	Depends	Depends
Best for	Net-worth tracking across all accounts	Self-hosters and privacy purists
Who it's not for	Small-balance investors wanting managed advice . high minimums (Guess: ~$100k)	Anyone unwilling to run and patch a server
Privacy	No public vulnerabilities found for itself; SEC enforcement hit the advisory arm, and some breach headlines involve similarly named firms.^⁷	Multiple CVEs in reviewed sources, including an auth bypass fixed in v3.4 . patch before trusting it with financial data.¹³
Support quality	Harsh retirement-plan service reviews	Community-only support found; no SLA
Public sentiment	Opinion splits: reviewers love the free net-worth tracker, while retirement-plan customers and fee-sensitive users are sharply negative.^¹	Self-hosters on Reddit and Hacker News like consolidating multi-broker net worth but question chart accuracy and corporate-action handling.
Biggest gotcha	Advisory fees on large balances sting; one 4-year user left 'burned' after exiting^⁶	Patch immediately: auth bypass affects all versions prior to 3.4¹³