">

Compare Budgeting Apps

Side-by-side comparison of 2 budgeting apps

Feature

EnvelopeBudget

★ 4.00
View Details →

Empower

★ 4.00
View Details →
Basic Information
Website Visit Site ↗ Visit Site ↗
Pricing Model Freemium Freemium
Price Details Includes a 92-day free trial to test your budgeting chops. Post-trial, it’s $4/month or $40/year for premium features. Free for dashboard and tools; advisory services start at 0.89% AUM for the first $1M, dropping to 0.49% above $10M.
Monthly Price $4.00 Free
Annual Price $40.00
Save $8.00/year
Free
Founded 2010 2009
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
  • + 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
  • + Free and robust financial tracking tools
  • + User-friendly, visually appealing interface
  • + Comprehensive investment analysis
Cons
  • − 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
  • − Frequent account syncing issues
  • − Limited transaction customization (no date changes or manual entries)
  • − Advisory fees are steep compared to competitors

Need to compare different apps?

Select Different Apps

Quick Summary

EnvelopeBudget

Best for:

Users wanting to try before buying

Platform coverage:

6 platforms

Feature count:

7 features

View Full Details Visit Website

Empower

Best for:

Users wanting to try before buying

Platform coverage:

6 platforms

Feature count:

10 features

View Full Details Visit Website