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    Empower

    Free senior retirement tools.

    What it does

    • Free wealth tracking app.
    • Was Personal Capital.
    • Connect all accounts.
    • Net worth, retirement plan.
    • Investment fee analysis.
    • 100% free senior tools.

    Setup

    • Empower.com.
    • Free signup.
    • Connect bank, brokerage, 401k.
    • Plaid secured.
    • 30 min total.
    • Auto-pulls daily.

    Retirement Planner

    • Project Monte Carlo simulations.
    • Withdraw rate scenarios.
    • Social Security input.
    • Spending plan.
    • Confidence score.
    • Senior reassurance.

    Fee Analyzer

    • Reveals 401k hidden fees.
    • Many seniors paying 1%+.
    • $10,000+ lost over decades.
    • Switch to low-cost funds.
    • Senior eye-opener.
    • Free analysis.

    Watch outs

    • $100k+ accounts get sales calls.
    • Wealth management pitch.
    • You can decline.
    • Free tools forever.
    • Don't feel pressured.
    • Senior boundary.

    Senior tips

    • Run retirement planner monthly.
    • Check fees yearly.
    • Track net worth.
    • Decline calls firmly.
    • Use as research tool.
    • Fiduciary advisors better.

    Free retirement modeling = best senior tool

    Empower's free Retirement Planner is best free senior tool to answer "will I run out of money?" Monte Carlo simulations across 1000s of scenarios. Confidence score. Plus fee analyzer reveals expensive 401k fees. Decline sales calls — keep free tools.