Smart recommendations tailored for you

We keep an eye on your money so you don’t have to. We’ll alert you at the right time so you know when and how to save faster and smarter.


Get expert tips 24/7 to guide you.

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We're the financial experts you’ve wanted all your life

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Say goodbye to old subscriptions

Do you know how much you’re spending on subscriptions? We’ll provide a snapshot for you and help you cancel any you no longer want.

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Lower your bills
(we’ll do it for you!)

We'll tell you if there are better deals for your phone, cable, and internet, and we'll even negotiate on your behalf to lower your bills.

Empower customers have saved on average
$444 a year
across their cable and phone bills:

  • Cable: $204 saved per year on average
  • Phone: $200 saved per year on average
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Get timely alerts when you need them most

We monitor your money and send proactive notifications like: bill increases, missed bills, bank fees, credit utilization, and more.

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Get expert tips from our human coaches

Our human coaches are on standby to help you through any financial challenge. They tailor their recommendations specifically for you, and only you. All you have to do is ask.

  • How can I save while paying off loans?
  • How do I get out of debt?
  • How much should I spend on my wedding?
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Get smarter about your credit

Let us help you manage your credit better. Just tell us your credit score, and we’ll recommend practical steps for you. Here are a few topics we cover:

  • Payment history
  • Credit utilization
  • Credit history
  • Credit diversification

Your secrets are safe with us

Data privacy and security are a really big deal, for you and for us.
We’ve got bank-level security to safeguard your account at all times.

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How do you provide me with recommendations?

Once you connect your financial accounts to the Empower app, we analyze your bills, paychecks, and purchases continuously to detect patterns and trends that you might be unaware of. We can detect for example if you missed paying your rent bill or if there’s a way to pay less interest on a loan. And then it’s our job to tell you about these opportunities to save and make smarter financial decisions.

Am I really talking to a real person if I use your human coach feature?

Haha, yes! Our human coaches love talking to customers and helping them through any financial question, big or small, tricky or basic ─ and all this guidance is tailored for you, unlike a generic blog post or whatever Google or Amazon Alexa might tell you. We’ve got your back.

I've connected one financial account to the Empower app. Why should I link more?

Connecting all of your accounts gives Empower a more complete and accurate snapshot of your financial life. That means our team can give you more relevant, personalized insights and tips on how to manage your money better.

What types of accounts can I connect?

We support over 10,000 US bank, credit card, loan, investment, cryptocurrency and 401(K) accounts. To get started, we suggest connecting at minimum: 1) your primary bank account and 2) your credit card if you have one, so that we can start helping you save ASAP!

You'll also love these features

Automated saving

Save effortlessly for emergencies and big purchases

Budget tracking

Set spend limits and cut unnecessary expenses

Smart recommendations

Get personalized tips on where and how to save more

Interest checking

Make more money on your money with no overdraft fees

Cash advance

Get fast cash for life’s little emergencies
Get expert tips24/7 to guide you.