Home / Comparisons / Rocket Money vs Empower
Rocket Money vs Empower (2026)
Price, free plan, features and SEC status side by side, from each company's own pages and the SEC database (verified 2026-11-04).
Verified 2026-11-04. Each app’s last-verified date appears in the table below.
Rocket Money
- Free: $0
- Premium: Choose your price, typically $7–$14/mo
- Premium+: $15/mo + tax (includes Rowan AI, bill negotiation)
Free plan: yes · Trial: 7-day Premium trial
Best for: Cutting subscriptions and bills
Our take: Best at finding forgotten subscriptions, and the free tier is genuinely useful. Negotiation of bills fees are steep unless you're on Premium+.
Try Rocket MoneyEmpower
- Personal Dashboard: Free
- Personal Strategy (investment services, $100K–$249,999): 0.89%/yr
- Wealth management ($250K–$999,999): 0.89%/yr
- Private clients: 0.79% first $3M → 0.69% next $2M → 0.59% next $5M → 0.49% over $10M
Free plan: yes · Trial: n/a (dashboard is free)
Best for: Free net-worth and fee tracking
Our take: The free dashboard is excellent. The managed service at 0.89% costs more than most flat-fee AI options here.
Try EmpowerWe may earn a commission if you sign up through our links. It never changes our data or picks. Disclosure
Feature by feature
| Rocket Money | Empower | |
|---|---|---|
| Starts at | Free plan | Free dashboard |
| Free plan | yes | yes |
| Free trial | 7-day Premium trial | n/a (dashboard is free) |
| Budgeting | yes | not listed |
| Planning | yes | yes |
| Portfolio analysis | not listed | yes |
| Manages money | not listed | yes |
| SEC-registered adviser | Not found in IAPD | Yes, CRD 112058 |
| AI feature | Rowan, an AI financial assistant by text (Premium+) | Automated portfolio management and a free tracking dashboard. No AI chatbot is listed on the pages we fetched |
| Last verified | 2026-11-02 | 2026-11-02 |
Which should you pick?
- Rocket Money is best for: Cutting subscriptions and bills.
- Empower is best for: Free net-worth and fee tracking.
These picks are our editorial opinion. The facts above link to their sources on each app's page.
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