If you're cleaning up Empower, there are two distinct flows depending on what you want to remove. This guide walks through both: removing a single linked account from your dashboard, and deleting your entire Empower Personal Dashboard account.
The single most important thing to know: There are two different products called "Empower."
(1) Empower Personal Dashboard (formerly Personal Capital) — the free net-worth tracker / advisory platform. This guide's main focus.
(2) Empower app (formerly Empower Finance) — the budgeting/cash-advance app. Has a paid subscription. For Apple-billed cancellation, use iOS Settings → Apple ID → Subscriptions → Empower.
Determine which Empower you have
- You pay Empower a monthly subscription fee → Empower app (the budgeting app, separate cancellation).
- You use Empower's net-worth dashboard for free → Empower Personal Dashboard (steps below).
- You have an Empower Wealth Management managed account → contact your advisor directly to terminate management.
Remove a single linked account from your dashboard
Use this when you want to disconnect a specific bank or brokerage from Empower without deleting your entire Empower account. This is irreversible — Empower deletes all transactions and data associated with the linked account.
- Open the Empower app and tap Login; sign into your account.
- Tap the linked account you want to remove from your profile.
- Tap the pencil icon next to the account name.
- Scroll down and select Remove.
- Confirm the removal by tapping Remove again.
The account and its history are gone from your Empower dashboard.
Delete your entire Empower Personal Dashboard account
Use this when you want to fully remove your Empower account and all data.
- Click the down arrow next to your name in the top-right corner.
- Select Settings.
- Scroll to the bottom of the page and select Delete User Account.
- Enter your Empower Personal Dashboard account password to confirm your identity.
- Type DELETE in all-caps to confirm deletion.
Empower processes the deletion per their data-retention policy.
Cancel the Empower app subscription (if applicable)
If you're a paid subscriber to the Empower app (formerly Empower Finance), the cancellation is in-app:
- Open the Empower app.
- Go to the More section in the bottom-right corner of the app.
- Tap Billing.
- At the bottom of the next page, tap Cancel subscription.
- Complete the cancellation flow.
Important: deleting the app does NOT unsubscribe you. You must use the in-app cancel flow.
If you signed up via Apple App Store
If your subscription is Apple-billed (receipt from APPLE.COM/BILL), cancel through iOS:
- On your iPhone, open Settings.
- Tap your Apple ID name at the top.
- Tap Subscriptions.
- Find Empower.
- Tap Cancel Subscription.
If you signed up via Google Play
Cancel through Google Play Store → profile icon → Payments & subscriptions → Subscriptions → Empower → Cancel.
Empower Wealth Management
If you're a managed-account client paying advisory fees:
- Contact your dedicated Empower advisor (info in your account dashboard).
- Discuss the wind-down plan — liquidating positions, transferring assets, tax implications.
- Sign the account-closure paperwork they send.
- After assets transfer out, the advisory relationship ends.
- The Personal Dashboard (free aggregator) can be kept or deleted separately.
This is not a self-service flow — managed accounts require advisor coordination.
What changes after each action
| What | Effect |
|---|---|
| Remove a linked account | Account and transactions removed from your dashboard; irreversible |
| Delete user account | All Empower data removed; deletion processes per their policy |
| Cancel subscription (paid app) | Premium features end at billing cycle; account itself stays |
| Apple/Google subscription cancellation | Benefits continue to end of billing period |
Common cancellation errors and fixes
"Cancel subscription button not visible" — you may be Apple-billed or Google-billed — cancel through Apple Settings or Google Play.
"I deleted the app but I'm still being charged" — deleting the app does NOT cancel the subscription. Reinstall the app and complete the in-app cancel flow, or cancel through Apple Settings / Google Play if that's your billing channel.
"Charge after canceling" — either the cancel didn't process (check email for confirmation) or the charge was for the prepaid period before cancel took effect.
"Personal Dashboard advisor outreach won't stop" — the Personal Dashboard's free tier sometimes triggers advisor-team outreach. Settings → Notifications → opt out, or specifically request "no advisor contact" from support.
Locked out of account — use the password reset flow. If that fails, contact support — Empower is a financial company so identity verification may be required.
Why people leave Empower
Common reasons:
- App subscription users: cash-advance fees, finding cheaper alternatives.
- Personal Dashboard users: preference for Empower's competitor or completed their financial planning need.
- Wealth Management users: moving to lower-fee robo-advisors, finding a cheaper RIA.
For Personal Dashboard alternatives, see Empower vs Mint/Rocket Money/Monarch.
Alternatives to Empower
Rocket Money → — best for subscription tracking and bill negotiation.
Lemonade → — for insurance auditing as part of broader financial cleanup.
If you're staying with Empower's free Personal Dashboard but cancelling Wealth Management, the dashboard remains available without the advisory fees.
Try Rocket Money Premium Premium handles bill negotiations and Smart Savings, plus subscription cancellation. Sliding scale: $7-$14/month. Try Rocket Money →
FAQ
What's the difference between Empower app and Empower Personal Dashboard?
Empower app (formerly Empower Finance) is a paid budgeting/cash-advance app. Empower Personal Dashboard (formerly Personal Capital) is a free net-worth tracker. Two different products under one brand.
Will deleting the Empower app cancel my subscription?
No. You must use the in-app cancel flow or your billing channel's subscription management.
Can I cancel by phone?
Empower offers email/in-app support primarily. Phone support varies by product tier.
Will I get a refund for the unused portion?
Generally no. Subscriptions run through the end of the billing cycle.
Can I keep my Personal Dashboard while cancelling Wealth Management?
Yes. The free dashboard and the paid advisory service are managed separately.
Does deleting the account delete my financial data Empower has aggregated?
Yes — full account deletion removes Empower's stored data per their privacy policy. Check the policy for any data they retain for legal/regulatory purposes.
Is removing a linked account the same as deleting my whole account?
No. Removing a linked account just disconnects that one bank/brokerage from your dashboard. Delete User Account removes everything.
Related reading: