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Accounting · head to head

Empower vs Netvisor

Empower logo

Empower

Accounting

All your finances. One app.

From
On request
Rated
-
Full reviewWebsite
Netvisor logo

Netvisor

Accounting

Finnish cloud accounting and payroll with pricing built from a base fee plus per transaction charges

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Netvisor 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; Netvisor pricing is a base fee plus a charge per sales invoice, per purchase invoice, per payslip and per other transaction, so a company with high document volumes pays a bill that scales with trading activity and cannot be budgeted as a fixed monthly cost.
  • They diverge on capability: Empower covers Net worth tracking, Netvisor covers Finnish general ledger.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Empower and Netvisor actually diverge.

Attributes where Empower and Netvisor differ
AttributeEmpowerNetvisor
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
  • Brokerage accounts
  • SOC 2
  • Bank-level encryption

Only in Netvisor

  • Finnish general ledger
  • Value added tax reporting
  • Electronic invoicing
  • Purchase invoice workflow
  • Sales invoicing
  • Payroll
  • Incomes register reporting
  • Travel and expense claims

Both cover

  • Bank connections

What people use each for

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

Empower

  • Wealth trackingnot Netvisor
  • Retirement planningnot Netvisor
  • Investment analysisnot Netvisor

Netvisor

  • A Finnish company whose accounting firm works in Netvisor and wants the client approving purchase invoices in the same systemnot Empower
  • A Finnish employer needing payroll that handles collective agreement terms and reports to the incomes register on timenot Empower
  • A business receiving and sending structured e-invoices with Finnish counterparties that require themnot Empower
  • A Finnish accounting practice standardising clients on one system with a shared role model rather than one instance per clientnot 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

Netvisor

  • Pricing is a base fee plus a charge per sales invoice, per purchase invoice, per payslip and per other transaction, so a company with high document volumes pays a bill that scales with trading activity and cannot be budgeted as a fixed monthly cost.
  • It serves Finland, so the tax and payroll logic is useless to entities filing elsewhere, and a Nordic group ends up running a different system in each country even where they belong to the same corporate family.
  • The interface, help material and support operate in Finnish, so a foreign owned subsidiary needs a Finnish speaking bookkeeper or accounting firm to operate it and cannot supervise it directly from head office.
  • Finnish payroll requires collective agreement terms to be configured correctly, and getting holiday pay, supplements and shift rules right is specialist work usually done by a partner, so payroll implementation is a paid project rather than a setup wizard.
  • Because most deployments come through an accounting firm, the practical service you receive depends on that firm's competence with the product, and changing accountant can mean changing system or inheriting a configuration nobody documented.

Pricing, plan by plan

Empower

On request

No published plan breakdown. See the Empower review.

Netvisor

Free
  • Starter$25/month
    • Basic accounting, 1000 transactions, invoicing, payroll for 1 person
  • Basic$25/month
    • Basic accounting plus invoicing, 2.06 euros per invoice item, unlimited users, email support
  • Core$25/month
    • All Basic features, invoices included in monthly cost
  • Professional$25/month
    • All Core features, broadest software interface, budgeting, reporting, forecasting, purchase and sales orders

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 Netvisor if

  • You need finnish general ledger.
  • You want to start without paying.
  • You also want value added tax reporting.
Netvisor review

Questions people ask

Is Empower or Netvisor better?
Neither clearly leads. Empower starts at On request and Netvisor at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Empower or Netvisor?
Netvisor has a free tier; the other does not. Paid plans start at On request for Empower and Free for Netvisor.
Does Empower or Netvisor run on more platforms?
Empower runs on Web, Ios, Android. Netvisor runs on Web.
Can I use Netvisor for free?
Yes. Netvisor 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 Netvisor is typically brought in for.
What can Empower do that Netvisor cannot?
Empower covers Net worth tracking, Investment tracking, Retirement planner, Cash flow. Netvisor covers Finnish general ledger, Value added tax reporting, Electronic invoicing, Purchase invoice workflow. Both handle Bank connections.

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
Netvisor: Is Netvisor usable outside Finland?

Not as a compliance system. The value is the Finnish tax, banking, e-invoicing and payroll logic. Companies filing elsewhere should look at the local product in the Visma range or another local vendor.

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
Netvisor: Why is the pricing structured per transaction?

It reflects a Finnish market convention where the accounting firm's fee also scales with document volume. It means a low volume company pays very little and a high volume one pays a great deal, so estimate your annual invoice and payslip counts before comparing headline prices.

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
Netvisor: Can my accounting firm work in it with me?

Yes, that is the intended model. The practice and the client share one instance with different roles, so the firm does the bookkeeping while you approve purchase invoices and issue sales invoices.

Empower: Are there fees for stock and ETF trading?

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

Source
Netvisor: Does it handle payroll for collective agreements?

It supports Finnish collective agreement based payroll, but configuring the specific agreement terms correctly is expert work normally done during a paid implementation. Do not assume payroll is switched on the same week as accounting.

Netvisor: What about the incomes register?

Reporting earnings to the national incomes register within the statutory deadline is built in, which is one of the main reasons Finnish employers use a local product rather than an international one.

Netvisor: Is it a full ERP?

It includes inventory and fixed assets alongside the ledger, which covers a good deal of a small distributor's needs, but it is a financial management system rather than a manufacturing or full supply chain ERP.

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