Softwr

Accounting · head to head

Empower vs Mint

Empower logo

Empower

Accounting

All your finances. One app.

From
On request
Rated
-
Full reviewWebsite
Mint logo

Mint

Personal Finance

All your money in one app

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Mint has a free tier, so it costs nothing to try first.
  • Each has a real cost: Empower specific advisory fees not published; Form ADV consultation required; Mint service transitioned to Credit Karma platform; standalone Mint features migrated elsewhere
  • They diverge on capability: Empower covers Net worth tracking, Mint covers Expense tracking.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Empower and Mint actually diverge.

Attributes where Empower and Mint differ
AttributeEmpowerMint
Starting priceOn requestFree
Pricing modelquotefree
Free tierNoYes
CategoryAccountingPersonal Finance
Founded20092006

Identical on both: platforms (Web, Ios, Android), user rating (Not yet rated).

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
  • Brokerage accounts
  • SOC 2

Only in Mint

  • Expense tracking
  • Budgets
  • Bill tracking
  • Credit score monitoring
  • Financial insights
  • Verisign secured

Both cover

  • Bank connections
  • Bank-level encryption
  • Web support
  • Ios support
  • Android support

What people use each for

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

Empower

  • Wealth trackingnot Mint
  • Retirement planningnot Mint
  • Investment analysisnot Mint

Mint

  • Legacy free budget tracking for users with supported bank connectionsnot Empower
  • Users transitioning to Credit Karma for continued money management featuresnot 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

Mint

  • Service transitioned to Credit Karma platform; standalone Mint features migrated elsewhere
  • Bank connections supported for only 17,000 financial institutions; many regional or international banks not supported

Pricing, plan by plan

Empower

On request

No published plan breakdown. See the Empower review.

Mint

Free

No published plan breakdown. See the Mint review.

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 Mint if

  • You need expense tracking.
  • You want to start without paying.
  • You work on Web, iOS, Android.
  • You also want budgets.
Mint review

Questions people ask

Is Empower or Mint better?
Neither clearly leads. Empower starts at On request and Mint at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Empower or Mint?
Mint has a free tier; the other does not. Paid plans start at On request for Empower and Free for Mint.
Does Empower or Mint run on more platforms?
Empower runs on Web, Ios, Android. Mint runs on Web, iOS, Android.
Can I use Mint for free?
Yes. Mint has a free tier, so you can try it without paying. Empower starts at On request.
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 Mint is typically brought in for.
What can Empower do that Mint cannot?
Empower covers Net worth tracking, Investment tracking, Retirement planner, Cash flow. Mint covers Expense tracking, Budgets, Bill tracking, Credit score monitoring. Both handle Bank connections, Bank-level encryption, Web support, Ios support.

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
Mint: Is Mint still actively sold?

Mint has been reimagined on Credit Karma. The Mint website now directs users to check out the new platform on Credit Karma's net worth signup page rather than maintaining a standalone product.

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
Mint: What pricing information is available on the Mint homepage?

The Mint page does not disclose pricing details. For current pricing information, users should visit Credit Karma's website or contact support directly.

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
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