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Compare Budgeting Apps

Side-by-side comparison of 2 budgeting apps

Feature

Empower

★ 4.00
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PocketGuard

★ 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. Free basic plan with limited features; PocketGuard Plus costs $12.99/month or $74.99/year. Lifetime access offered selectively, pricing varies.
Monthly Price Free $12.99
Annual Price Free $74.99
Save $80.89/year
Founded 2009 2015
Platform Support
Web
Ios
Android
Windows
Mac
Linux
Features
Account aggregation
Automatic bank account syncing
Bill and income automation
Budget and cash flow tracking
Cash account management
Category-based budgeting
Custom savings goals
Debt paydown planner
Emergency fund recommendations
Fee Analyzer for hidden investment costs
Investment portfolio analysis
Net worth tracking
Receipt tracking (Plus only)
Recurring payment tracking
Retirement planning tools
Spending alerts
Tax optimization strategies
Transaction categorization
Transaction export to CSV
Unlimited accounts (Plus only)
Pros & Cons
Pros
  • + Free and robust financial tracking tools
  • + User-friendly, visually appealing interface
  • + Comprehensive investment analysis
  • + Slick interface that’s easy to navigate
  • + Real-time spending alerts keep you in check
  • + Automatic bill and income tracking
Cons
  • Frequent account syncing issues
  • Limited transaction customization (no date changes or manual entries)
  • Advisory fees are steep compared to competitors
  • Plus subscription is pricey for what you get
  • Free plan feels like a teaser with limited features
  • No desktop app, just web and mobile

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Quick Summary

Empower

Best for:

Users wanting to try before buying

Platform coverage:

6 platforms

Feature count:

10 features

PocketGuard

Best for:

Users wanting to try before buying

Platform coverage:

6 platforms

Feature count:

10 features