Softwr

Accounting · head to head

Empower vs IRIS KashFlow

Empower logo

Empower

Accounting

All your finances. One app.

From
On request
Rated
-
Full reviewWebsite
IRIS KashFlow logo

IRIS KashFlow

Accounting

Online accounting software for UK sole traders and small businesses

From
£13.5/month
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Empower specific advisory fees not published; Form ADV consultation required; IRIS KashFlow advertised monthly prices of £1.35 (Starter) and £2.75 (Business) are a 90% promotional discount off the standard £13.50 and £27.50 rates, and the promotion is described as lasting 6 months before reverting
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Empower and IRIS KashFlow actually diverge.

Attributes where Empower and IRIS KashFlow differ
AttributeEmpowerIRIS KashFlow
Starting priceOn request£13.5/month
Pricing modelquotesubscription
PlatformsWeb, Ios, AndroidWeb
Founded2009Unknown

Identical on both: free tier (No), 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 Empower

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

Only in IRIS KashFlow

Nothing recorded that Empower does not also cover.

What people use each for

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

Empower

  • Wealth trackingnot IRIS KashFlow
  • Retirement planningnot IRIS KashFlow
  • Investment analysisnot IRIS KashFlow

IRIS KashFlow

  • business accountingnot Empower
  • invoicing and billingnot Empower
  • VAT managementnot Empower

Where each one falls short

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

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

IRIS KashFlow

  • Advertised monthly prices of £1.35 (Starter) and £2.75 (Business) are a 90% promotional discount off the standard £13.50 and £27.50 rates, and the promotion is described as lasting 6 months before reverting
  • Listed prices are in GBP plus VAT, and the platform's plans are built around UK VAT filing rather than other tax regimes
  • Annual pricing is quoted at RRP £162/year (Starter) and £291.50/year (Business) before the same promotional reduction

Pricing, plan by plan

Empower

On request

No published plan breakdown. See the Empower review.

IRIS KashFlow

£13.5/month
  • Starter Monthly$13.5/month
    • 10 invoices
    • up to 25 bank transactions
    • single user access
  • Business Monthly$27.5/month
    • unlimited invoices
    • unlimited bank transactions
    • multi-user access
  • Starter Annual$162/year
    • 10 invoices
    • up to 25 bank transactions
    • single user access
  • Business Annual$291.5/year
    • unlimited invoices
    • unlimited bank transactions
    • multi-user access

Which should you pick?

Choose Empower if

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

Choose IRIS KashFlow if

Nothing in the data separates IRIS KashFlow from Empower on the points above - pick on price and on how each one feels to use.

IRIS KashFlow review

Questions people ask

Is Empower or IRIS KashFlow better?
Neither clearly leads. Empower starts at On request and IRIS KashFlow at £13.5/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Empower or IRIS KashFlow?
Empower starts at On request and IRIS KashFlow at £13.5/month.
Does Empower or IRIS KashFlow run on more platforms?
Empower runs on Web, Ios, Android. IRIS KashFlow runs on Web.
What is Empower best used for?
Empower is most often used for wealth tracking, retirement planning, investment analysis. Of those, wealth tracking and retirement planning are not what IRIS KashFlow is typically brought in for.
What can Empower do that IRIS KashFlow cannot?
Empower covers Net worth tracking, Investment tracking, Retirement planner, Cash flow.

Answered from the vendors’ own pages

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
IRIS KashFlow: What are IRIS KashFlow's core features across all plans?

All IRIS KashFlow plans include unlimited quotes, online VAT submission, mobile app access, 50+ reports, bank feeds, receipt capture, multi-currency support, and payroll for up to 5 employees.

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
IRIS KashFlow: Are there promotional discounts for new IRIS KashFlow customers?

Yes, new customers receive a 90% discount for 6 months on both Starter and Business monthly 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
IRIS KashFlow: Can multiple users access IRIS KashFlow on the Starter plan?

No, the Starter plan is limited to single-user access only. Multi-user access requires the Business plan.

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

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

Source
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