Softwr

Accounting · head to head

Empower vs Moneybird

Empower logo

Empower

Accounting

All your finances. One app.

From
On request
Rated
-
Full reviewWebsite
Moneybird logo

Moneybird

Accounting

Dutch online bookkeeping software for freelancers and growing entrepreneurs

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Moneybird 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; Moneybird compact tier severely limits functionality with only 5 monthly transactions
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Empower and Moneybird actually diverge.

Attributes where Empower and Moneybird differ
AttributeEmpowerMoneybird
Starting priceOn requestFree
Pricing modelquotesubscription
Free tierNoYes
PlatformsWeb, Ios, AndroidWeb
Founded2009Unknown

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 Empower

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

Only in Moneybird

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 Moneybird
  • Retirement planningnot Moneybird
  • Investment analysisnot Moneybird

Moneybird

  • Freelancer bookkeepingnot Empower
  • Small business accountingnot Empower
  • Growing entrepreneur accountingnot Empower
  • Full-featured bookkeeping 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

Moneybird

  • Compact tier severely limits functionality with only 5 monthly transactions
  • Bank connections limited to 5 on Start and Groei tiers until Compleet level
  • Multi-user support only available starting at Groei tier (29 EUR/month)

Pricing, plan by plan

Empower

On request

No published plan breakdown. See the Empower review.

Moneybird

Free
  • Compact$3/month
    • 1 user
    • 5 monthly transactions limit
    • 0 bank connections
  • Start$15/month
    • 1 user
    • 20 monthly transactions
    • 5 bank connections
  • Groei$29/month
    • 5 users
    • 50 monthly transactions
    • 5 bank connections
  • Compleet$41/month
    • Unlimited users
    • Unlimited monthly transactions
    • Unlimited bank connections

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 Moneybird if

  • You want to start without paying.
Moneybird review

Questions people ask

Is Empower or Moneybird better?
Neither clearly leads. Empower starts at On request and Moneybird at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Empower or Moneybird?
Moneybird has a free tier; the other does not. Paid plans start at On request for Empower and Free for Moneybird.
Does Empower or Moneybird run on more platforms?
Empower runs on Web, Ios, Android. Moneybird runs on Web.
Can I use Moneybird for free?
Yes. Moneybird 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 Moneybird is typically brought in for.
What can Empower do that Moneybird 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
Moneybird: How much does Moneybird cost and what free trial is available?

Plans start at EUR 3/month for Compact tier, with a 60-day free trial offering full Compleet access (EUR 41/month value) at no cost. Annual billing offers up to 25% discount across all tiers.

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
Moneybird: What user limits exist across different Moneybird plans?

Compact and Start tiers are limited to 1 user. Groei supports 5 users. Compleet tier has unlimited users, making it the only option for multi-team organizations.

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
Moneybird: How many transactions can I process monthly on each Moneybird tier?

Compact allows 5 transactions/month, Start allows 20, Groei allows 50, and Compleet allows unlimited transactions. Transaction limits reset monthly.

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

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

Source
Moneybird: Do Moneybird plans have bank connection limits?

Compact tier has zero bank connections. Start and Groei tiers each support 5 bank connections. Only the Compleet tier (EUR 41/month) offers unlimited bank connections.

Source
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