No advisor calls
Ever. Free is the product.
Net worth and AI advice without advisor fees
Empower's free plan is the door to a sales call. Money by Checkr's free plan is the product. A guide who answers, every day.
Same view. Without the phone call
Both apps see every account. Only one tries to sell you an advisor
| Feature |  | Empower |
|---|---|---|
| Advisor sales calls after signup | No | |
| AI agent that picks the next move | No | |
| Plain English questions | No | |
| Verified payroll income | No | |
| Account aggregation | ||
| Investment analyzer | Limited | |
| Works in ChatGPT, Claude, CLI | Pro | No |
What Money by Checkr does well
Free is the whole product
Both apps see your accounts. Empower uses them to set up a sales call. Money by Checkr just answers your questions.
+$18k Runway
Built six months of cash runway in under a year.
Daniel Lee
Consultant
Saved $1,200+
Double-charged gym and three forgotten subscriptions, all in one list.
Jennifer Park
Marketing Manager
+$2k Raise
Underpaid by 15%. Used the data to negotiate. Never would have known.
Mike Rodriguez
Software Engineer
Cut $480/mo
Four overlapping cloud plans and an old meal kit. Gone in a weekend.
Priya Sharma
Product Designer
Paid off $9k
Every rate mapped, fastest order. Knocked out my cards in eight months.
Emily Chen
Data Analyst
Found $340/mo
Seven streaming services I forgot about, all in one place.
Tom Harrison
Small Business Owner
Questions
& Answers
No. We do not have advisors. AI runs the analysis. You decide.
Up to 5 bank and payroll accounts plus your credit score, for as long as you like. Pro removes the account limit.
No. Consumer-permissioned, encrypted, never sold.
No. We do not manage assets. We tell you what the data says.
Soft pulls only.
Ready to meet your money guide?
Free plan, forever. No card needed. Pro is less than two coffees a month, with a 7-day trial.