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Empower Finance vs Gusto

A detailed comparison of Empower Finance and Gusto in 2026. Compare pricing plans, features, and find out which finance service is right for you.

Empower Finance

Personal finance app for budgeting, investing, and retirement planning

Empower Finance is a financial and accounting service that provides personal finance app for budgeting, investing, and retirement planning. Founded in 2009 and headquartered in Redwood City, California, Empower Finance offers 2 pricing plans. It offers a free tier as well as paid plans starting from $undefined/month. Key features include Budgeting, Net worth tracking, Investment analysis, Retirement planner. Empower Finance is a popular choice for users looking for quality finance subscriptions.

budgetinginvestingretirementnet-worth

Gusto

Payroll, benefits, and HR for small businesses

Gusto is a financial and accounting service that provides payroll, benefits, and hr for small businesses. Founded in 2011 and headquartered in San Francisco, California, Gusto offers 3 pricing plans. Plans start from $40/month. Key features include Payroll, Benefits admin, Time tracking, Hiring. Gusto is a popular choice for users looking for quality finance subscriptions.

payrollhrbenefitssmall-business

Feature Comparison

Side-by-side comparison of features and capabilities

FeatureEmpower FinanceGusto
Starting PriceFree$40/mo
Plans Available23
Year Founded20092011
HeadquartersRedwood City, CaliforniaSan Francisco, California
Budgeting
Net worth tracking
Investment analysis
Retirement planner
Spending tracker
Payroll
Benefits admin
Time tracking
Hiring
Tax filing
Workers comp

Pricing Comparison

Compare all available plans and pricing tiers

Empower Finance Pricing

Free
Free
Wealth Management
Varies

Gusto Pricing

Simple
$40/mo
Plus
$80/mo
Premium
Varies

Frequently Asked Questions

Is Empower Finance or Gusto better in 2026?

Both Empower Finance and Gusto are excellent finance services. Empower Finance offers Budgeting and Net worth tracking, while Gusto features Payroll and Benefits admin. The best choice depends on your specific needs and budget.

How much does Empower Finance cost compared to Gusto?

Empower Finance starts at $Free/month, while Gusto starts at $40/month. Both offer multiple pricing tiers to fit different budgets.

Can I track both Empower Finance and Gusto subscriptions?

Yes! TrackMySubscriptions lets you track all your subscriptions in one place, including Empower Finance and Gusto. Get renewal alerts, spending analytics, and never miss a payment — 100% free.

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