Softwr

Accounting · head to head

Empower vs Navan

Empower logo

Empower

Accounting

All your finances. One app.

From
On request
Rated
-
Full reviewWebsite
Navan logo

Navan

Accounting

AI-powered corporate travel and expense management with integrated corporate card

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Navan 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; Navan enterprise pricing requires quote request; no transparency on true per-user or per-transaction costs
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Empower and Navan actually diverge.

Attributes where Empower and Navan differ
AttributeEmpowerNavan
Starting priceOn requestFree
Pricing modelquotefreemium
Free tierNoYes
PlatformsWeb, Ios, AndroidWeb, iOS, Android, API
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 Navan

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 Navan
  • Retirement planningnot Navan
  • Investment analysisnot Navan

Navan

  • Mid-market and enterprise companies automating travel and expense workflowsnot Empower
  • Organisations seeking to reduce travel costs through policy enforcement and AI-driven discountsnot Empower
  • Teams utilising corporate card programmes for spend tracking without receipt capture overheadnot Empower
  • Global enterprises requiring multi-currency support and ERP integrationnot Empower
  • Companies where employee autonomy is prioritised; AI assistant enables self-service booking and policy compliancenot 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

Navan

  • Enterprise pricing requires quote request; no transparency on true per-user or per-transaction costs
  • Expense management charges apply beyond 5 users, increasing per-user costs for larger teams
  • Corporate card programmes (Navan Card, Connect) complicate adoption by requiring banking integration
  • AI assistant (Navan Edge) lacks transparency on data handling; unclear whether conversation data is retained for model training
  • Limited EMEA coverage; emerging market travel inventory less comprehensive than global GDS systems

Pricing, plan by plan

Empower

On request

No published plan breakdown. See the Empower review.

Navan

Free
  • Navan BusinessFree
    • Unlimited flight, hotel, train, rental car bookings
    • Global inventory across 178+ countries
    • 24/7 travel support
  • Navan Business (Expense add-on)$15/month
    • Additional expense management users (beyond 5 free)
    • Receipt scanning and categorisation
    • ERP integration (30+ connectors)
  • Navan EnterpriseFree
    • Custom pricing
    • Dedicated account management
    • Negotiated corporate rates

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 Navan if

  • You want to start without paying.
  • You work on Web, iOS, Android, API.
Navan review

Questions people ask

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

Yes. Navan Business travel bookings are free, supported by supplier commissions. Expense management is free for the first 5 users monthly; additional users cost £15/month each.

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
Navan: What is Navan Edge?

Navan Edge is an AI travel assistant integrated into chat that handles flight, hotel, and restaurant enquiries, provides recommendations, processes cancellations and rebookings, and escalates to human support 24/7.

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
Navan: Does Navan integrate with our ERP system?

Yes. Navan provides 30+ pre-built ERP connectors (SAP, Oracle, NetSuite, etc.) and REST APIs for real-time spend sync and invoice reconciliation.

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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