OneTruth Money vs Empower · 2026
OneTruth Money vs Empower.
Empower (formerly Personal Capital) offers a genuinely good free net-worth and investment dashboard, attached to its wealth-advisory business — and its portfolio analysis goes deeper than ours. OneTruth Money is built for a different job: the everyday 'can we afford this?' decision two people make together.
Coming soon to the App Store · Members join free, unlimited
Monday, June 8
9:41
Safe to Spend
$1,284.50
Live · on every phone
- Plaid-secured
- Apple Pay accepted
- Your data is never sold
- 7-day trial · yearly
- Cancel anytime
Side by side
How OneTruth Money compares.
| Feature | OneTruth Money | Empower |
|---|---|---|
| One shared Safe to Spend number on both phones | Yes | — |
| Shared lock-screen widget, current to the minute | Yes | — |
| Bill scanner with multi-page OCR | Yes | — |
| On-device-first AI assistant | Yes | — |
| Free for invited Members (unlimited) | Yes | — |
| Built for two people sharing money | Yes | — |
| Read-only bank linking via Plaid | Yes | Yes |
The unlock
Net worth is the scoreboard. Safe to Spend is the game.
A net-worth chart tells you how the long game is going. It doesn't tell you whether this week's spending breaks next week's bills. OneTruth Money tracks net worth too — and puts the number you use daily, Safe to Spend, on every Member’s lock screen the moment it changes.
Built for spending decisions
Bills, Keep in Account, and pending charges already subtracted — the figure you see is the one you can actually use at the checkout.
Net worth, shared
Assets and liabilities tracked month over month, visible to the household. Deep portfolio analytics is Empower's strength; the shared everyday picture is ours.
No ads. Data never sold.
We don't run ad trackers, and we never sell your data — there's nothing to sell, because the business model doesn't depend on it. Bank connections are read-only through Plaid.
A subscription, not a funnel
Our business model is the subscription you pay — not managing your assets. No advisory calls, no upsell into wealth management.
Every OneTruth Money row above is a shipped capability. Other apps change their features often — check each app’s current site for the latest. We don’t publish star ratings until we have enough real App Store reviews to be honest about them.
Common questions
Good to know.
- Is OneTruth Money a good Empower alternative?
- Yes — especially for anyone sharing money. Empower is capable on its own, but OneTruth Money adds the thing that matters daily: the same Safe to Spend number on every phone in the household, updated the moment a bill is paid.
- How much does OneTruth Money cost?
- $14.99/month or $129/year, with a 7-day free trial for new yearly subscribers. One subscription covers the whole household — everyone you invite joins free as a Member. If you ever lapse, your data stays readable.
- Does OneTruth Money sell my data?
- No. We've never sold your data and we never will — no ad networks, no data brokers, no model trainers. That's locked in the architecture, not just the privacy policy.
Be first to know
Know the moment it ships.
One email per launch. No marketing newsletter, no drip series.
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