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Compare Budgeting Apps

Side-by-side comparison of 2 budgeting apps

Feature

Empower

★ 4.00
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GnuCash

★ 4.20
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Basic Information
Website Visit Site ↗ Visit Site ↗
Pricing Model Freemium Free
Price Details Free for dashboard and tools; advisory services start at 0.89% AUM for the first $1M, dropping to 0.49% above $10M. Completely free, open-source, and no hidden costs—unless you count the time spent learning its quirks.
Monthly Price Free Free
Annual Price Free Free
Founded 2009 1998
Platform Support
Web
Ios
Android
Windows
Mac
Linux
Features
Account aggregation
Budget and cash flow tracking
Check printing
Debt paydown planner
Detailed reports and graphs
Double-entry bookkeeping
Emergency fund recommendations
Fee Analyzer for hidden investment costs
Financial calculations
Investment portfolio analysis
Mortgage and loan tracking
Multi-currency support
Net worth tracking
QIF/OFX/CSV import
Retirement planning tools
Scheduled transactions
Small business accounting tools
Stock and mutual fund tracking
Tax optimization strategies
Transaction categorization
Pros & Cons
Pros
  • + Free and robust financial tracking tools
  • + User-friendly, visually appealing interface
  • + Comprehensive investment analysis
  • + Free as in beer and speech
  • + Robust accounting features for small businesses
  • + No vendor lock-in—your data is yours
Cons
  • Frequent account syncing issues
  • Limited transaction customization (no date changes or manual entries)
  • Advisory fees are steep compared to competitors
  • Interface looks like it’s stuck in 1998
  • Learning curve steeper than a tax audit
  • No mobile app for on-the-go budgeting

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Quick Summary

Empower

Best for:

Users wanting to try before buying

Platform coverage:

6 platforms

Feature count:

10 features

GnuCash

Best for:

Budget-conscious users

Platform coverage:

3 platforms

Feature count:

10 features