I used Personal Capital (Empower now) for the past 8 years and just switched to Kubera. I really like that Kubera offers multiple connectors (Yodlee, Plaid, Mastercard) to connect to accounts - I had issue connecting with my Fidelity account on Personal Capital but with the multiple connections on Kubera, havn't faced the issue. Also, I really like some of the customization features that Kubera offers - ability to compare growth in net worth and investible assets to benchmark indexes like Dow, S&P; or looking at the distribution of net worth between different asset classes. Personal Capital does offer more views and sectoral analysis of the portfolio so there are some cons to Kubera. Plus it is a paid product vs Personal Capital which is free :)