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Software · head to head

Empower vs Ramp

Empower logo

Empower

Software

All your finances. One app.

From
$29/month
Rated
-
Full reviewWebsite
Ramp logo

Ramp

Software

The corporate card that helps you spend less

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Ramp has a free tier, so it costs nothing to try first.
  • Each has a real cost: Empower empower's managed advisory tiers require a minimum of $100,000 in investable assets for Personal Strategy and $1,000,000 for Private Client, with exact advisory fee percentages deferred to the Form ADV filing rather than published on the site.; Ramp procurement module unavailable on Free plan; available as add-on on Plus
  • They diverge on capability: Empower covers Net worth tracking, Ramp covers Corporate cards.

Where they differ

Only the attributes on which Empower and Ramp actually diverge.

Attributes where Empower and Ramp differ
AttributeEmpowerRamp
Starting price$29/monthFree
Pricing modelfreemiumUnknown
Free tierNoYes
PlatformsWeb, Ios, AndroidWeb, Mobile apps
Founded20092019

Identical on both: user rating (Not yet rated), category (Unknown).

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
  • Bank-level encryption

Only in Ramp

  • Corporate cards
  • Expense management
  • Bill pay
  • Accounting automation
  • Spend insights
  • QuickBooks
  • NetSuite
  • Xero

Both cover

  • SOC 2
  • 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 Ramp
  • Retirement planningnot Ramp
  • Investment analysisnot Ramp

Ramp

  • Corporate expense management and automationnot Empower
  • Accounts payable automation with AI invoice processingnot Empower
  • Multi-currency travel and policy managementnot Empower

Where each one falls short

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

Empower

  • Empower's managed advisory tiers require a minimum of $100,000 in investable assets for Personal Strategy and $1,000,000 for Private Client, with exact advisory fee percentages deferred to the Form ADV filing rather than published on the site.

Ramp

  • Procurement module unavailable on Free plan; available as add-on on Plus
  • Workday and Oracle Fusion integrations limited to Enterprise tier only
  • Multi-entity functionality requires Plus tier or higher
  • Local card issuance in 30+ countries limited to Enterprise tier
  • Advanced ERP integrations require higher tier selection

Pricing, plan by plan

Empower

$29/month
  • Free ToolsFree
    • Net worth tracking
    • Cash flow
    • Investment checkup
  • Wealth ManagementFree
    • 0.89% AUM fee
    • Dedicated advisor
    • Tax optimization

Ramp

Free

No published plan breakdown. See the Ramp 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 Ramp if

  • You need corporate cards.
  • You want to start without paying.
  • You work on Web, Mobile apps.
  • You also want expense management.
Ramp review

Questions people ask

Is Empower or Ramp better?
Neither clearly leads. Empower starts at $29/month and Ramp at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Empower or Ramp?
Ramp has a free tier; the other does not. Paid plans start at $29/month for Empower and Free for Ramp.
Does Empower or Ramp run on more platforms?
Empower runs on Web, Ios, Android. Ramp runs on Web, Mobile apps.
Can I use Ramp for free?
Yes. Ramp has a free tier, so you can try it without paying. Empower starts at $29/month.
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 Ramp is typically brought in for.
What can Empower do that Ramp cannot?
Empower covers Net worth tracking, Investment tracking, Retirement planner, Cash flow. Ramp covers Corporate cards, Expense management, Bill pay, Accounting automation. Both handle SOC 2, Web support, Ios support, Android support.
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