Software · head to head
Navan vs Empower
Navan
Software
AI-powered corporate travel and expense management with integrated corporate card
- From
- Free
- Rated
- -
The short version
- Only Navan has a free tier, so it costs nothing to try first.
- Each has a real cost: Navan enterprise pricing requires quote request; no transparency on true per-user or per-transaction costs; 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.
Where they differ
Only the attributes on which Navan and Empower actually diverge.
Identical on both: pricing model (freemium), 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 Navan
Nothing recorded that Empower does not also cover.
Only in Empower
- Net worth tracking
- Investment tracking
- Retirement planner
- Cash flow
- 401k fee analyzer
- Bank connections
- Brokerage accounts
- SOC 2
What people use each for
The jobs each tool is most often brought in to do.
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
Empower
- Wealth trackingnot Navan
- Retirement planningnot Navan
- Investment analysisnot Navan
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
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
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.
Pricing, plan by plan
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
Empower
$29/month- Free ToolsFree
- Net worth tracking
- Cash flow
- Investment checkup
- Wealth ManagementFree
- 0.89% AUM fee
- Dedicated advisor
- Tax optimization
Which should you pick?
Choose Empower if
- You need net worth tracking.
- You work on Web, Ios, Android.
- You also want investment tracking.
Questions people ask
- Is Navan or Empower better?
- Neither clearly leads. Navan starts at Free and Empower at $29/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Navan or Empower?
- Navan has a free tier; the other does not. Paid plans start at Free for Navan and $29/month for Empower.
- Does Navan or Empower run on more platforms?
- Navan runs on Web, iOS, Android, API. Empower runs on Web, Ios, Android.
- Can I use Navan for free?
- Yes. Navan has a free tier, so you can try it without paying. Empower starts at $29/month.
- What is Navan best used for?
- Navan is most often used for mid-market and enterprise companies automating travel and expense workflows, organisations seeking to reduce travel costs through policy enforcement and ai-driven discounts, teams utilising corporate card programmes for spend tracking without receipt capture overhead, global enterprises requiring multi-currency support and erp integration. Of those, mid-market and enterprise companies automating travel and expense workflows and organisations seeking to reduce travel costs through policy enforcement and ai-driven discounts are not what Empower is typically brought in for.
- What can Navan do that Empower cannot?
- Empower covers Net worth tracking, Investment tracking, Retirement planner, Cash flow.
Answered from the vendors’ own pages
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.
SourceNavan: 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.
SourceNavan: 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