PopaDex vs. Spreadsheets vs. Mint vs. Personal Capital (2026) | PopaDex
Updated April 2026 • Mint, Empower, spreadsheets, and PopaDex compared

Net Worth Trackers Compared: PopaDex vs Everything Else

Spreadsheets, Mint (now defunct), Empower (formerly Personal Capital), and PopaDex — compared on what matters for FIRE planning and international banking.

Feature
PopaDex
Free – $5/mo
Spreadsheets
Free
Mint
Shut down Jan 2024
Empower
Free tracking (US only)
Free plan
Yes
Yes
Gone
Yes
International banks
30+ countries
Manual entry
—
US only
Auto bank sync
Yes
Manual only
—
Yes
Multi-currency
Auto-conversion
Manual formulas
—
USD only
Net worth dashboard
Purpose-built
Build your own
—
Yes
FIRE calculator
Included
Template needed
—
No
Sankey cash-flow chart
Yes
No
—
No
Paid price
$5/month
Free
—
0.89% AUM
Free spreadsheet templates
Google Sheets + Excel
You build it
—
No
Still active in 2026
Yes
Yes
No
Yes

Mint shut down in January 2024. Data for remaining tools current as of April 2026.

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Who each tool is best for

No single tool works for everyone. Here's where each option fits.

PopaDex

  • Emigrants and digital nomads with accounts in multiple countries
  • FIRE pursuers who want net worth projections built in
  • Anyone who wants automatic sync without spreadsheet maintenance
  • Mint and Empower refugees looking for an alternative

Google Sheets / Excel

  • Power users who want complete control over every formula
  • Users willing to update data manually or via CSV import
  • Budget-conscious users who don't want any paid subscription
  • Requires discipline: data is only as current as your last update

Empower (formerly Personal Capital)

  • US-based investors with large portfolios who also want advisory services
  • Users who value investment analysis (fee analyzer, allocation tool)
  • Expect sales calls from their advisory team once signed up
  • Not suitable for non-US users: no international bank support

Mint

Shut down January 2024

Mint was acquired by Intuit and discontinued in January 2024. Users were migrated to Credit Karma, which offers limited financial tracking. Looking for a Mint alternative? See our full Mint alternatives guide →

Deep dive comparisons

Need more detail on a specific matchup? We've written dedicated guides for each.

Detailed guide

Best Mint Alternatives →

Mint shut down. Here are 8 alternatives ranked by use case, including options for international users and FIRE planners.

 Detailed guide

PopaDex vs. Tiller Money →

Which is better for spreadsheet lovers? Detailed breakdown of pricing, international support, and workflow fit.

 Detailed guide

PopaDex vs. Sheetwalla →

Both are Google Sheets-based net worth trackers. Which one is worth your time and money?

Frequently Asked Questions

What replaced Mint after it shut down?
Mint shut down in January 2024 after being acquired by Intuit. Users were offered a migration to Credit Karma, but most found it lacking. The best Mint replacements are PopaDex (ideal for net worth and FIRE planning, especially internationally), Copilot (US, budgeting-focused), and YNAB (envelope budgeting). See our full guide →
Is Empower free?
Empower Personal Dashboard (formerly Personal Capital) offers a free net worth and investment tracking dashboard. However, they track user data to upsell their wealth management service and international users are not supported. PopaDex is free to start, requires no upsell calls, and connects to 15,000+ banks worldwide.
Why use PopaDex instead of a spreadsheet?
Spreadsheets require manual data entry and formula maintenance. PopaDex auto-syncs your bank accounts across 30+ countries, converts currencies automatically, and includes a FIRE calculator, Sankey charts, and net worth timeline out of the box. If you still love spreadsheets, PopaDex also provides free Google Sheets and Excel templates, so you can use both.
Which net worth tracker is best for FIRE?
PopaDex is purpose-built for FIRE planning. It includes a FIRE calculator that projects your retirement date based on savings rate and expected returns, a net worth timeline with milestone markers, multi-currency support for international FIRE seekers, and Sankey charts to visualize cash flow. No other tool in this comparison covers all four.
Can PopaDex connect to European banks?
Yes, PopaDex connects to 15,000+ banks in 30+ countries including the UK, Germany, France, Spain, Portugal, the Netherlands, Belgium, and more via Open Banking / PSD2. Empower and the former Mint were both US-only. Spreadsheets work globally but require manual updates.
How much does PopaDex cost compared to Empower?
PopaDex has a free plan and Premium costs $5/month. Empower (formerly Personal Capital) offers a free dashboard but charges 0.89% AUM for wealth management. On a $500K portfolio that's $4,450/year. For pure tracking, both are free. PopaDex wins on international bank coverage and transparent, low-cost pricing.

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Related comparisons & templates

PopaDex vs Tiller Money PopaDex vs Sheetwalla Best Mint Alternatives Google Sheets Net Worth Tracker Excel Net Worth Tracker Budget Template (Excel)
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