# Empower Alternative | Warm - Real Budgeting Without the Sales Pitch

> Looking for an Empower alternative? Warm focuses on budgeting and spending, not investment management. Clear Plus and Pro pricing.

Source: https://warm.io/compare/empower

Comparison

# Budgeting first. Investments optional.

Empower wants to manage your investments. Warm just tracks spending.

Empower (formerly Personal Capital) offers free account tracking and investment-focused workflows. Warm is focused on budgeting and spending clarity.

[Focus on Budgeting](https://warm.io/waitlist) [Compare All Apps](https://warm.io/compare.md)

## Empower Pain Points

-   Investment-first experience may not fit budgeting-first users
-   Category budgeting depth may not match dedicated budgeting apps
-   Limited manual transaction support
-   Advisor-led workflows may not fit every user

## How Warm Helps

-   Warm is a budgeting app, not an investment platform
-   Full category budgets with merchant-level control (Pro)
-   Manual transactions and CSV import included
-   No sales calls - just your finances

## Why Choose Warm Over Empower

Key advantages that make the difference

Real budgeting features - not just account aggregation

Savings goals with account linking (Plus)

Bill calendar and recurring detection (Plus)

No wealth management upsell

## What Makes Warm Different

A calmer approach to personal finance

Dedicated category budgeting alongside account aggregation

Savings goals with account linking and progress history

Bill calendar shows upcoming payments (Plus)

Built around self-serve budgeting workflows

## Warm is Best For People Who...

Honest assessment: is Warm right for you?

People who want budgeting, not investment management

Users tired of financial advisor sales calls

Those who need real spending limits, not just tracking

Anyone who wants savings goals with progress tracking

## Feature Comparison

Warm plan availability is sourced from our current feature reference.

Competitor details are based on publicly available product and pricing information and may change over time.

Warm leads in 12+ features

| Feature | Warmfrom $0 | Empower Free |
| --- | --- | --- |
| Pricing & Value |
| Lower-friction starting point Unique |
| Flexible path into the product |
| No account limits |
| Transparent pricing |
| Platform Availability |
| iOS app |
| Android app |
| Web app |
| Account Management |
| Bank sync via Plaid |
| CSV & OFX import |
| Manual transactions |
| Auto-categorization |
| Smart transaction tags |
| Budgeting |
| Category budgets |
| Merchant-level budgets Unique |
| Savings goals |
| Goal account linking |
| Bills & Subscriptions |
| Recurring detection |
| Bill calendar |
| Bill reminders |
| Cancel link library Unique |
| Wealth & Assets |
| Net worth tracking |
| Investment tracking |
| Crypto tracking |
| Manual asset tracking |
| Analytics & Insights |
| Spending by category |
| Spending by merchant |
| Cash flow analysis |
| Financial health score Unique |
| Spending anomaly alerts Unique |
| Advanced Features |
| Transaction enrichment |
| Cash flow forecasting |
| Household sharing |
| Reports & export |
| AI financial assistant |

Included

Plus ($5.99/mo)

Pro ($24.99/mo)

Not available

## Common Questions

### Does Warm have real budgets unlike Empower?

Yes. Empower is primarily an account aggregator without true budgeting. Warm Plus includes category budgets with weekly, biweekly, or monthly periods and optional rollover. Warm Pro adds merchant-level budgets for specific stores.

### Will Warm try to sell me investment management?

Warm is focused on budgeting and tracking. We do not offer wealth management services, and our experience is designed to stay self-serve and product-led.

### Can I track investments in Warm without the sales pitch?

Yes. Warm Pro includes investment tracking that shows holdings, balances, and gain/loss percentages. We display your investment data without trying to manage it for you.

### Does Warm have savings goals like Empower should?

Yes. Warm Plus includes savings goals with account linking and progress history. If savings-goal workflows are a priority for you, compare each product's latest goal features directly.

### How is Warm different from Empower for everyday budgeting?

Warm is built for daily spending management with category budgets, subscription tracking, spending alerts, and bill calendars. Empower is often positioned more around net worth and investment workflows.

## Ready to feel calm about money?

See why users are switching from Empower.

[Get Early Access](https://warm.io/waitlist)

### Also compare Warm to

[Mint](https://warm.io/compare-mint.md) [YNAB](https://warm.io/compare-ynab.md) [Monarch](https://warm.io/compare-monarch.md) [Copilot](https://warm.io/compare-copilot.md) [View All](https://warm.io/compare.md)
