Empower Review: Simplify Your Finances and Build Wealth
Discover how Empower can help you automate savings, track spending, and achieve your financial goals with ease. This review covers its key features, pricing, and who will benefit most.
Updated Jul 21, 2026
Overview
Managing your finances can feel overwhelming, but Empower aims to simplify this process by offering automated savings and spending tracking tools. Since its launch in 2014, Empower has focused on helping users take control of their money effortlessly, making it easier to build wealth without constant manual effort.
Verdict
Empower stands out as a user-friendly financial tool that automates savings and provides clear spending insights. Its ability to link accounts and set personalized goals makes it a solid choice for individuals looking to improve their financial habits. While it may not offer advanced investment features, its core functionality supports everyday financial wellness effectively.
Pros & watchouts
Pros
- Automates savings based on your spending patterns
- Tracks expenses across multiple accounts in one place
- Offers personalized financial insights and goal-setting
- User-friendly interface suitable for beginners
- No complicated setup or financial jargon
- Secure connections with bank-level encryption
- Available exclusively in the United States
Watchouts
- Limited investment or retirement planning features
- No support for cryptocurrency assets
- Only available to users in the United States
- Some features require a paid subscription
- Lacks advanced budgeting customization options
Pricing / plans
Empower offers a free basic version with essential features. For more advanced tools, including automated savings boosts and priority support, a paid subscription is available. For the most current pricing details, please confirm on the official Empower website as of July 2026.
Who it's for
Empower is ideal for individuals in the United States who want to automate their savings and gain clear visibility into their spending without complicated financial tools. It's well-suited for beginners or anyone seeking a straightforward way to improve money habits.
Who should skip it
This product is not recommended for users looking for comprehensive investment management, cryptocurrency tracking, or advanced budgeting customization. Also, it is not available outside the United States.
How to get value
After signing up, connect your bank accounts securely to allow Empower to analyze your spending patterns. Set up your financial goals within the app and enable automated savings to start building your funds effortlessly. Regularly review spending insights and adjust goals as your financial situation evolves.
Getting started
Visit the official Empower website to create an account. Once registered, link your bank and credit card accounts to enable automatic tracking. Explore the dashboard to set savings goals and customize notifications. Take advantage of educational resources within the app to better understand your finances.
Alternatives / when to choose something else
If Empower’s features don’t fully meet your needs, consider exploring other finance tools focused on investment management or cryptocurrency tracking. Always review the latest details on official sites to find the best fit for your financial goals.
Publishing about Empower? See the affiliate program page for commission and cookie details.
FAQ
Is Empower safe to use with my bank accounts?
Yes, Empower uses bank-level encryption and secure protocols to protect your financial information when linking accounts.
Can I use Empower outside the United States?
Currently, Empower is only available for users located in the United States.
Does Empower charge fees for its services?
Empower offers a free basic version, with optional paid subscriptions for additional features. Check the official site for the latest pricing.
Can Empower help me invest or manage retirement accounts?
Empower focuses on savings automation and spending tracking and does not provide investment or retirement account management.
How does Empower automate savings?
Empower analyzes your spending habits and transfers small amounts automatically into your savings to help you build funds without manual effort.
What if I want to stop automated savings?
You can pause or adjust automated savings anytime through the app settings to suit your financial needs.
Empower
83.5/100
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