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<a href="https://shouldiuse.io/vs/empower/ghostfol">Empower (Personal Wealth, formerly Personal Capital) vs Ghostfolio on Should I Use It</a>

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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

Pick Empower (Personal Wealth, formerly Personal Capital) when

Net-worth tracking across all accounts
DIY investors wanting a free dashboard
High-balance investors wanting human-plus-robo advice

When Empower (Personal Wealth, formerly Personal Capital) is not a fit

Small-balance investors wanting managed advice . high minimums (Guess: ~$100k)
Budget-only users who'll resent advisory upsells
Fee-sensitive index investors . advisory fees compound hard
Retirement-plan participants expecting responsive service (per Trustpilot)

Pick Ghostfolio when

Self-hosters and privacy purists
Multi-broker DIY investors
Spreadsheet refugees automating net worth
Open-source enthusiasts avoiding paid trackers

When Ghostfolio is not a fit

Anyone unwilling to run and patch a server
Hands-off investors wanting plug-and-play broker sync
Firms and advisors . it's personal, not professional, software
Users who won't track CVEs on their own deployment

Sources

Empower Review: Best Net Worth Trackerchoosefi.com
review
Empower Review - PCMagpcmag.com
review
Empower Review 2026 - WSJ Buy Sidewsj.com
review
Empower Products | G2 seller reviewsg2.com
review
empower-retirement.com Reviews - Trustpilottrustpilot.com
review
Leaving Empower Personal Wealth and Getting Burned - Redditreddit.com
review
SEC Charges Empower Advisory Group, LLCsec.gov
security
Empower | Official siteempower.com
official
Empower renames to bolster engagement with customersempower.com
news
3 Empower Alternatives - Rob Bergerrobberger.com
news
Ghostfolio - Official siteghostfol.io
official
Ghostfolio on GitHubgithub.com
official
CVE-2026-47127: Ghostfolio Auth Bypasssentinelone.com
security
CVE-2026-59709: Medium, CVSS 4.3echelongraph.io
security
CVE-2026-59708cve.imfht.com
security
Hacker News launch threadnews.ycombinator.com
news