Empower Finance vs Wave
A detailed comparison of Empower Finance and Wave 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.
Wave
Free accounting and invoicing for small businesses
Wave is a financial and accounting service that provides free accounting and invoicing for small businesses. Founded in 2010 and headquartered in Toronto, Canada, Wave offers 2 pricing plans. It offers a free tier as well as paid plans starting from $16/month. Key features include Free accounting, Invoicing, Receipts scanning, Payments. Wave is a popular choice for users looking for quality finance subscriptions.
Feature Comparison
Side-by-side comparison of features and capabilities
| Feature | Empower Finance | Wave |
|---|---|---|
| Starting Price | Free | Free |
| Plans Available | 2 | 2 |
| Year Founded | 2009 | 2010 |
| Headquarters | Redwood City, California | Toronto, Canada |
| Budgeting | ||
| Net worth tracking | ||
| Investment analysis | ||
| Retirement planner | ||
| Spending tracker | ||
| Free accounting | ||
| Invoicing | ||
| Receipts scanning | ||
| Payments | ||
| Payroll | ||
| Reports |
Pricing Comparison
Compare all available plans and pricing tiers
Empower Finance Pricing
Wave Pricing
Frequently Asked Questions
Is Empower Finance or Wave better in 2026?
Both Empower Finance and Wave are excellent finance services. Empower Finance offers Budgeting and Net worth tracking, while Wave features Free accounting and Invoicing. The best choice depends on your specific needs and budget.
How much does Empower Finance cost compared to Wave?
Empower Finance starts at $Free/month, while Wave starts at $16/month. Both offer multiple pricing tiers to fit different budgets.
Can I track both Empower Finance and Wave subscriptions?
Yes! TrackMySubscriptions lets you track all your subscriptions in one place, including Empower Finance and Wave. Get renewal alerts, spending analytics, and never miss a payment — 100% free.
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Track Both Services in One Dashboard
Whether you choose Empower Finance, Wave, or both — track all your subscriptions in one place with smart alerts and analytics.