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Empower Personal Dashboard review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Empower Personal Dashboard suits US households that want cash and investments in one place, paying a variable headline rate of 3.5% and asking for a minimum deposit of $0. Deposits sit under FDIC up to USD 250,000, and the dashboard moves money with the ease of a checking account.

Key facts

Best for
US savers who want a cash balance and a retirement account under one dashboard.
Management fee
0%↗
Minimum investment
$0↗
Account types
IRA↗
Portfolio types
ETF, Cash↗
Legal entity
Empower Advisory Group, LLC↗
Headquarters
United States↗
Founded
2014↗
Support channels
Email, Phone, Help-centre↗
Official website
empower.com

Savings

Headline rate
3.5%↗
Rate type
Variable↗
Minimum deposit
$0↗
Deposit protection
FDIC up to USD 250,000↗
Access terms
Easy access like a checking account; deposit and withdraw through the Empower Dashboard via website and mobile app↗
Monthly fee
$0↗
Account kind
Cash management↗
Pricing model
Commission-free, Low fees

Brokers

Stock trade fee
$0↗
Account fee
$0↗
Markets
Stocks, ETFs, Funds↗
Features
Mobile app

Facts checked September 26, 2026, 8 sources

Apps and profiles

Get the app
App Store
Elsewhere
WikidataWikipediaLinkedInX

Pros and cons

Pros

  • Support runs on email, phone and help centre, so help is a phone call or an email away.
  • The cash side sits under FDIC up to USD 250,000.
  • Access suits everyday money: deposits and withdrawals run through the dashboard itself.
  • A headline rate of 3.5% pays you for leaving the balance there.

Cons

  • The rate type is variable, so the 3.5% headline can move rather than being fixed for a term.
  • Markets are limited to stocks, etfs and funds, with no foreign exchange, crypto or bond trading listed.
  • Investing money carries risk: the share of retail accounts that lose money is 70.15%.
Empower Personal Dashboard

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Scored 9.3 / 10 by SumCue.

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Who it suits

  • US households who want a cash balance alongside a ira account in one place.
  • Investors comfortable with a focused list of stocks, etfs and funds held in etf and cash.
  • People who value phone and email help, since support runs on email, phone and help centre.

Who should look elsewhere

  • Readers after a UK or European savings account: Empower is headquartered in the United States, and PiggyVest quotes its minimum investment as NGN 5,000 in another currency.
  • Anyone who wants a stated entry floor before investing: eToro asks $500 and Axos Invest $100, against $0 here.
  • People trading forex, crypto or bonds: the market list here is stocks, etfs and funds, so eToro or Axos Invest are the comparisons to read for wider classes.

Who runs it

The Personal Dashboard sits with Empower Advisory Group, LLC, a US entity headquartered in the United States and founded in 2014. Support runs on email, phone and help centre, so account questions reach a person on the phone, by email or through the help centre. The dashboard is the front end for the cash balance and the investment account together.

How Empower Personal Dashboard compares

Where Empower Personal Dashboard is available

Available
United States

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does Empower Personal Dashboard charge?+

None of the listed fees apply. The management fee is 0%, the account fee $0, the monthly fee $0 and a stock trade costs $0. The pricing model is commission free and low fees, so the charge does not scale with the size of the holding.

Is the money in my account protected?+

The cash side is covered by FDIC up to USD 250,000, which applies to deposits rather than investments. Anything in the investment account carries market risk, and across the site the share of retail accounts that lose money sits at 70.15%. Keep emergency cash in the deposit account.

What rate do I get on the cash balance?+

The headline rate is 3.5% and the rate type is variable, so the rate can move rather than being fixed for a term. The account kind is cash management and the balance is built for everyday spending, so money can be taken out whenever it is needed rather than at the end of a period.

How do I deposit and withdraw?+

Both directions run inside the dashboard itself, on a phone or a browser, and a mobile app is a listed feature (mobile app). Money moves on your own schedule rather than at a branch or on a fixed weekly cycle, and the account kind is cash management.

What account types can I open?+

The account types listed are ira, and the account kind is cash management. The investment side runs over stocks, etfs and funds through portfolios of etf and cash. The range is a cash balance plus a retirement wrapper rather than a full spread of tax accounts.

What can I invest in?+

Markets listed are stocks, etfs and funds, and portfolio options are etf and cash. That points to a low cost fund based approach under a commission free and low fees pricing model, rather than single shares picked by hand. Anyone wanting wider asset classes or individual stock picking would look at other platforms.

Who do I contact if something goes wrong?+

Support runs on email, phone and help centre. Accounts are operated by Empower Advisory Group, LLC, based in the United States and founded in 2014, so a phone call reaches the same body that runs the account. Rate questions are worth raising before you move cash.

How much do I need to put in to start?+

The minimum deposit is $0 and the minimum investment is $0, so neither listed figure blocks a small first payment. The account fee is $0, so starting with a small sum does not add an account charge.

Sources

  • empower.com checked September 26, 2026

    Backs: Account types, Minimum investment, Portfolio types

    “Invest for retirement with tax-advantaged accounts, investment options and retirement planning.”

  • empower.com checked September 26, 2026

    Backs: Features

    “Retirement Planner, Net Worth, Budgeting and Cash Flow tools - Empower Personal Dashboard”

  • empower.com/about-empower/our-history checked September 26, 2026

    Backs: Founded

    “The genesis of Empower dates back to 1891, when our parent company was founded as an insurance firm on the Canadian prairie... the modern iteration of Empower was launched in 2014.”

  • empower.com/about-us checked September 26, 2026

    Backs: Headquarters

    “2nd largest retirement services company in the U.S.”

  • empower.com/affiliates checked September 26, 2026

    Backs: Management fee

    “Help them gain clarity and control of their finances with the free Empower Personal Dashboard”

  • empower.com/cash checked September 26, 2026

    Backs: Access terms, Account kind, Deposit protection, Headline rate, Monthly fee, Rate type

    “You can easily deposit and withdraw money through your Empower Dashboard via our website and mobile app.”

  • empower.com/contact-us checked September 26, 2026

    Backs: Support channels

    “We're happy to help with whatever you need.”

  • empower.com/products-solutions/investment-accounts checked September 26, 2026

    Backs: Account fee, Markets, Minimum deposit, Pricing model, Stock trade fee

    “High-yield cash account with no account fees, no minimums - High-yield Cash Account”

  • empower.com/wealth-management checked September 26, 2026

    Backs: Legal entity

    “Advisory services are provided for a fee by Empower Advisory Group, LLC ("EAG")”

Compiled from 9 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Regulators, Investor protection.

Empower Personal Dashboard

Empower Personal Dashboard

US savers who want a cash balance and a retirement account under one dashboard.

9.3/10Visit