Comparison

Planned vs Empower (Personal Wealth, formerly Personal Capital)

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

Planned

Depends

Confidence: Low

Evidence is thin (low confidence): zero G2 reviews and no public security page found for this budgeting app.

Depends

Confidence: Medium

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

Planned versus Empower (Personal Wealth, formerly Personal Capital)
Compare	Planned	Empower (Personal Wealth, formerly Personal Capital)
Verdict	Depends	Depends
Best for	People wanting an app plus human CFP coaching	Net-worth tracking across all accounts
Who it's not for	Anyone wanting a proven track record . zero independent reviews exist	Small-balance investors wanting managed advice . high minimums (Guess: ~$100k)
Privacy	No known public vulnerabilities found in the sources reviewed.^¹	No public vulnerabilities found for itself; SEC enforcement hit the advisory arm, and some breach headlines involve similarly named firms.¹⁰
Support quality	On-demand CFP coaching claimed, unverified	Harsh retirement-plan service reviews
Public sentiment	No verifiable user reviews for this budgeting app were found; review evidence retrieved covers unrelated products sharing the name.^²	Opinion splits: reviewers love the free net-worth tracker, while retirement-plan customers and fee-sensitive users are sharply negative.^⁴
Biggest gotcha	No security page found . demand encryption and data-handling details before connecting bank accounts^¹	Advisory fees on large balances sting; one 4-year user left 'burned' after exiting^⁹