Wealth management vs subscription detection
Empower (formerly Personal Capital) is a wealth management platform. It tracks investments, net worth, and retirement planning. It can show transactions, but it's not designed to find hidden subscriptions.
Just Cancel does one thing: scans your bank statement and finds every recurring charge — including the ones you forgot about. No account linking, no investment tracking, just subscription detection.
| Just Cancel | Empower | |
|---|---|---|
| Primary purpose | Find & cancel subscriptions | Wealth management |
| Finds hidden subs | Yes — AI-powered detection | Buried in transaction list |
| Price | $5 once | Free (upsells advisory) |
| Cancel links | Yes — 440+ services | No |
| Bank connection | No — file upload only | Yes — links your accounts |
| Setup time | 2 minutes | 15-30 minutes |
Empower is great if you want a full financial dashboard — investment tracking, retirement planning, net worth monitoring. It's a comprehensive wealth tool.
But if you just want to find subscriptions draining your bank account, Empower is overkill. You'll spend 30 minutes linking accounts and still have to manually dig through transactions to find recurring charges.
Use Just Cancel to quickly find and cancel unwanted subscriptions ($5, done in minutes). Use Empower for long-term wealth tracking if that's your thing. Different tools, different jobs.