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Compare Budgeting Apps

Side-by-side comparison of 2 budgeting apps

Feature

Empower

★ 4.00
View Details →

EnvelopeBudget

★ 4.00
View Details →
Basic Information
Website Visit Site ↗ Visit Site ↗
Pricing Model Freemium Freemium
Price Details Free for dashboard and tools; advisory services start at 0.89% AUM for the first $1M, dropping to 0.49% above $10M. Includes a 92-day free trial to test your budgeting chops. Post-trial, it’s $4/month or $40/year for premium features.
Monthly Price Free $4.00
Annual Price Free $40.00
Save $8.00/year
Founded 2009 2010
Platform Support
Web ✓ ✓
Ios ✓ ✓
Android ✓ ✓
Windows ✓ ✓
Mac ✓ ✓
Linux ✓ ✓
Features
Account aggregation ✓ ✗
Budget and cash flow tracking ✓ ✗
Calendar view for transactions ✗ ✓
Comprehensive transaction search ✗ ✓
Dashboard with account balance trends ✗ ✓
Debt paydown planner ✓ ✗
Debt snowball method support ✗ ✓
Emergency fund recommendations ✓ ✗
Fee Analyzer for hidden investment costs ✓ ✗
Investment portfolio analysis ✓ ✗
Net worth tracking ✓ ✗
Real-time expense tracking ✗ ✓
Retirement planning tools ✓ ✗
Tax optimization strategies ✓ ✗
Transaction categorization ✓ ✗
Virtual envelope budgeting ✗ ✓
Visual spending reports ✗ ✓
Pros & Cons
Pros
  • + Free and robust financial tracking tools
  • + User-friendly, visually appealing interface
  • + Comprehensive investment analysis
  • + 92-day free trial offers plenty of time to rethink your spending habits
  • + Slick, user-friendly interface for envelope budgeting fans
  • + Debt tracking tools to tackle your financial baggage
Cons
  • − Frequent account syncing issues
  • − Limited transaction customization (no date changes or manual entries)
  • − Advisory fees are steep compared to competitors
  • − Stuck on web-only until those mobile apps arrive
  • − Pricing details on their site are as clear as a foggy morning
  • − Mobile apps still in the oven—hope you like waiting

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Quick Summary

Empower

Best for:

Users wanting to try before buying

Platform coverage:

6 platforms

Feature count:

10 features

View Full Details Visit Website

EnvelopeBudget

Best for:

Users wanting to try before buying

Platform coverage:

6 platforms

Feature count:

7 features

View Full Details Visit Website