FYN
Honest comparison

FYN vs Empower (Personal Capital)

Empower Personal Dashboard (formerly Personal Capital) is a free net-worth, retirement and investing dashboard. FYN focuses on everyday spending: receipts, double charges and AI access.

Feature comparison

FeatureFYNEmpower (Personal Capital)
With your AI
Works inside Claude, ChatGPT and Grok (MCP)
SupportedChatGPT on Plus and up
Not publicly documented
Read-only agent access you can revoke
Supported
Not publicly documented
Log of what each AI app asked
Supported
Not publicly documented
Purchase check before an agent buys
Supported
Not publicly documented
With your money
AI chat about your money
Supported
Not publicly documented
Line-item receipts and price history
SupportedPrice history on Pro
Not publicly documented
Email receipt forwarding
Supported
Not publicly documented
Purchases logged as you pay (Apple Pay, Google Wallet)
SupportediPhone and Android
Not publicly documented
Categorizes every transaction itself
Supported
Supported
Budget built from your spending
Supported
PartialOne monthly total
Double-charge follow-through (dispute letter + deadlines)
SupportedLetters and deadlines on Pro
Not publicly documented
Proactive alerts
Supported
PartialDaily email + bill reminders
Bill negotiation and cancellation service
Not available
Not publicly documented
Credit score
Not available
Not publicly documented
Bank sync
SupportedPro
Supported
iPhone, Android and web apps
Supported
Supported
Free plan
Supported
Supported
Price
$9.99/moFree plan available
$0free dashboard · paid advisory optional on $100K+ invested
SupportedPartialWaitlistNot availableNot publicly documented

What Empower (Personal Capital) does well

Straight from their own help pages and announcements.

The dashboard and its financial tools are free, with no paid tier needed to use them.
One net-worth view across checking, savings, credit cards, loans, mortgages, investments, IRAs and 401(k)s.
A Retirement Planner that lets you test scenarios, plus portfolio analysis of risk level and allocation.
An optional daily email lists every transaction from the last 24 hours across linked accounts, to catch bad charges early.
Bill reminders for linked credit cards, loans and mortgages.
OAuth linking at supported institutions, so you log in at your bank instead of sharing your password.
Web, iPhone and Android apps, with transaction export to CSV.

The dashboard is free. Empower also sells advisory services for a fee based on assets managed (0.89% a year from $100,000), and you can enroll from the dashboard.

The short version

Choose Empower for a free net-worth, retirement and portfolio view across all your accounts. Choose FYN if you want everyday spending covered: a budget built from your last 60 days, receipt line items, double-charge follow-through, and a read-only MCP connector for Claude, ChatGPT and Grok.

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Bring your money to every AI you use.

Start free, then add FYN to Claude, ChatGPT (Plus and up) or Grok with one URL.

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