Softwr

Accounting · head to head

Bill.com vs Empower

Bill.com logo

Bill.com

Accounting

Automate your financial workflows

From
Free
Rated
-
Full reviewWebsite
Empower logo

Empower

Accounting

All your finances. One app.

From
On request
Rated
-
Full reviewWebsite

The short version

  • Only Bill.com has a free tier, so it costs nothing to try first.
  • Each has a real cost: Bill.com limited customization of approval workflows and user permissions for complex business needs; Empower specific advisory fees not published; Form ADV consultation required
  • They diverge on capability: Bill.com covers AP automation, Empower covers Net worth tracking.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Bill.com and Empower actually diverge.

Attributes where Bill.com and Empower differ
AttributeBill.comEmpower
Starting priceFreeOn request
Pricing modelUnknownquote
Free tierYesNo
PlatformsWebWeb, Ios, Android
Founded20062009

Identical on both: user rating (Not yet rated), category (Accounting).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Bill.com

  • AP automation
  • AR automation
  • Payment processing
  • Approval workflows
  • Document management
  • Vendor management
  • Cash flow insights
  • Mobile approvals

Only in Empower

  • Net worth tracking
  • Investment tracking
  • Retirement planner
  • Cash flow
  • 401k fee analyzer
  • Bank connections
  • Brokerage accounts
  • SOC 2

Both cover

  • Web support

What people use each for

The jobs each tool is most often brought in to do.

Bill.com

  • Invoice processingnot Empower
  • Bill paymentsnot Empower
  • Vendor paymentsnot Empower
  • Cash flow managementnot Empower
  • Financial automationnot Empower

Empower

  • Wealth trackingnot Bill.com
  • Retirement planningnot Bill.com
  • Investment analysisnot Bill.com

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Bill.com

  • Limited customization of approval workflows and user permissions for complex business needs
  • Limited international payment capabilities compared to specialists like Tipalti
  • Customer support response times are slow, with agents often lacking product expertise

Empower

  • Specific advisory fees not published; Form ADV consultation required
  • High minimum investment thresholds ($100,000 for Personal Strategy)
  • Detailed fee structure available only in Form ADV documents

Pricing, plan by plan

Bill.com

Free
  • Essentials$49/month
    • Core AP and AR functionality
    • Manual CSV import/export
  • Team$65/month
    • Automatic 2-way sync with QuickBooks Online, Xero
  • Corporate$89/month
    • Procurement features
    • Custom approval policies
    • Sync with NetSuite, Dynamics

Empower

On request

No published plan breakdown. See the Empower review.

Which should you pick?

Choose Bill.com if

  • You need ap automation.
  • You want to start without paying.
  • You also want ar automation.
Bill.com review

Choose Empower if

  • You need net worth tracking.
  • You work on Web, Ios, Android.
  • You also want investment tracking.
Empower review

Questions people ask

Is Bill.com or Empower better?
Neither clearly leads. Bill.com starts at Free and Empower at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Bill.com or Empower?
Bill.com has a free tier; the other does not. Paid plans start at Free for Bill.com and On request for Empower.
Does Bill.com or Empower run on more platforms?
Bill.com runs on Web. Empower runs on Web, Ios, Android.
Can I use Bill.com for free?
Yes. Bill.com has a free tier, so you can try it without paying. Empower starts at On request.
What is Bill.com best used for?
Bill.com is most often used for invoice processing, bill payments, vendor payments, cash flow management. Of those, invoice processing and bill payments are not what Empower is typically brought in for.
What can Bill.com do that Empower cannot?
Bill.com covers AP automation, AR automation, Payment processing, Approval workflows. Empower covers Net worth tracking, Investment tracking, Retirement planner, Cash flow. Both handle Web support.

Answered from the vendors’ own pages

Bill.com: What payment methods does Bill.com support?

Bill.com supports ACH transfers, checks, corporate cards, and international transfers. ACH payments cost $0.59 per transaction, checks cost $1.99, and card payments incur a 2.9% fee.

Source
Empower: Does Empower have a minimum investment requirement?

Empower's advisory services require different minimums based on service level. Personal Strategy advisory requires a minimum of $100,000 in investable assets. Private Client services require $1,000,000 or more.

Source
Bill.com: Does Bill.com offer a free tier?

Yes. Bill.com offers a free Spend & Expense plan for access to credit lines from $1,000-$5M with corporate cards, budgets, and expense tracking.

Source
Empower: How are Empower's advisory fees calculated?

Advisory fees are calculated based on the amount of assets being managed under advice. Specific fee rates are not disclosed on the homepage.

Source
Bill.com: Which accounting systems does Bill.com integrate with?

Bill.com integrates with QuickBooks Online, QuickBooks Enterprise, Oracle NetSuite, Sage Intacct, Microsoft Dynamics, and Xero, with automatic two-way syncing on most plans.

Source
Empower: Is the high-yield cash account free?

Yes. Empower's high-yield cash account has no account fees and no minimum balance required.

Source
Empower: Are there fees for stock and ETF trading?

Empower offers commission-free trading for stocks and ETFs with low fees.

Source
Share

Related pages

More on Bill.com

More on Empower

Keep looking

Other head to heads