NettWorth vs Empower
Empower tracks your money. NettWorth organizes it for what comes next.
Empower aggregates US accounts, analyzes fees, and offers robo-advisor automation — for free, funded by routing users toward a wealth management service that charges a percentage of assets. NettWorth charges a flat subscription with no AUM fee. It reads documents the aggregators can't reach — grant letters, K-1s, foreign pension statements — and structures every transaction across every account and asset, so the picture is ready for tax filings, wealth decisions, and legal situations. It's also built for the household: spouses share access with their own separate logins, and you can bring in an advisor with visibility scoped to exactly what they need to see. Different revenue models, different incentives, different scope.
15-day free trialNo bank credentials requiredNo AUM fee · flat subscriptionBuilt for households, not just individualsFull export anytime
Where they differ
Both give you a net worth view across connected accounts. The split happens at revenue model, geographic reach, and what each tool does with the organized data.
| Feature | NettWorth | Empower |
|---|---|---|
| Net worth consolidation across accounts | ||
| Connect bank, brokerage & retirement accounts | ||
| Investment fee & expense-ratio analysis | ||
| Works for accounts outside the US | ||
| Reads documents (grant letters, K-1s, deeds, statements) | ||
| Equity comp with vesting, AMT, exercise timing | ||
| Cross-border compliance deadlines (FBAR, FATCA, vest windows) | ||
| No bank credentials required | ||
| Transaction-level structuring across accounts and assets, built for tax | ||
| Tax filing support (organizes data the way an accountant needs it) | ||
| No advisory upsell or AUM sales motion | ||
| Insurance policies as part of the picture (life, disability, property, umbrella) | ||
| Spouses manage the household together, separate logins | ||
| Scoped, secure advisor and accountant access | Routes to Empower's own advisors | |
| Revenue model | Flat subscription | Free + routes to AUM advisory |
Four things that matter once you get past the dashboard
A net worth view tells you what you have. NettWorth is built for what you do with it.
Tracking is the start, not the finish
Empower gives you a net worth view and fee analysis across connected US accounts — useful. NettWorth does that too, but the organized picture gets used: to prepare what your accountant needs, to surface what a wealth manager would flag, to keep documents ready if something legal comes up. The same data, doing more work.
What you do with the number matters more than the number.
Empower makes money when you move money
Empower's free tier funds itself by routing users toward a wealth management service that charges a percentage of assets under management. NettWorth has no AUM fee and no advisory upsell. You pay a flat subscription. The business model means different incentives — ours is to make you informed, not to move assets.
We make money when you're informed. Not when money moves.
Equity grants are not a brokerage balance
RSUs, ISOs, and options live in grant letters, not bank accounts. Empower shows a value if you enter it manually. NettWorth reads the actual grant letter — extracting vest schedules, strike prices, AMT exposure, and exercise windows. When you're deciding whether to hold or exercise, you need the detail.
The decision requires the detail.
Outside the US, the picture breaks
Empower is built around US financial institutions. For accounts in India, the UAE, Singapore, or anywhere outside that coverage, the connection doesn't exist. NettWorth gives you three ways in — enter it, upload it, or email it — so the full picture holds regardless of where the accounts sit.
No jurisdiction limit.
The household runs it together
Empower is built for one login and one advisory relationship it hopes to sell you. NettWorth is built for the household: spouses share the picture with their own separate logins, and you can bring in an advisor or accountant with access scoped to exactly the part of the portfolio they need — not a referral into someone else's AUM book.
Shared management, not a sales funnel.
NettWorth vs Empower, answered
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