Nino vs Empower
Nino helps you turn your financial picture into a plan. Our proactive AI financial assistant answers questions about your connected finances, forecasts retirement and life events, and estimates taxes. Empower offers free planning tools and managed investments. Choose Nino for a personal AI planning experience, with an optional CPA and CFP team to optimize taxes, handle filing, and put your plan into action.
Compare our AI assistant, planning, and tax modules
| Feature | Nino | Empower |
|---|---|---|
| Financial insights and answers | AI answers using connected accounts and records, with proactive financial insights | Dashboard, calculators, and advisor conversations through paid wealth management |
| Financial planning | Generate a financial plan; forecast retirement and life events; discuss changes in chat | Retirement tools plus financial planning through paid advisory tiers |
| Tax planning | Tax estimates and explanations in software; optional CPA-led tax planning | Tax-efficient portfolios, asset location, and tax-loss harvesting |
| Tax preparation and filing | Federal and state preparation and filing with services; household and business plans available | Separate Taxfyle filing from $175; tax-year 2026 filing opens January 2027 |
| Investment management | Portfolio analysis and company-stock concentration insights; software does not hold assets or place trades | Professionally managed portfolios with trading and rebalancing |
| How you pay | Standalone AI subscription or an annual software-and-services plan | Free tools; wealth-management fees based on assets managed |
Why choose Nino over Empower
Get answers that use your actual finances
Ask how much house you could afford while staying on track for retirement. Nino uses your connected accounts and financial records to help answer the question, then lets you ask follow-ups. Empower’s dashboard organizes your finances and offers planning tools; Nino gives you an AI assistant to explain how the pieces fit together.
Build a plan you can keep working on
Nino turns your plan into a conversation: change a retirement date, ask what affected the result, and explore another option. It remembers context across conversations, so your goals can stay part of the discussion. Empower already offers retirement tools; Nino adds an AI assistant to help you understand and keep developing your plan.
Have your planning and tax work handled together
Add a CPA and CFP team to build your personalized financial plan, optimize taxes, prepare and file returns, and help carry out decisions. Empower offers financial advice and separate filing through Taxfyle. Nino’s services combine the planning and tax work, with Ultra software included.
How Empower compares
Free financial tools
Empower’s free dashboard includes account tracking, cash-flow tools, portfolio analysis, and a retirement planner. Nino adds a paid AI assistant for financial questions and planning conversations.
Managed investments and advice
Empower’s paid tiers include financial planning, portfolio construction, and rebalancing, with specialist access varying by tier. Fees depend on managed assets. Tax filing is offered separately through Taxfyle.
Pricing
What you pay and what’s included.
- Nino
- Software starts at $20/month, with a 7-day free trial and no credit card required. Software and services start at $3,600/year and include our Ultra software tier and a CPA and CFP team.
- Empower
- Empower’s dashboard is free. Personal Strategy starts at a $100,000 investment minimum; its published fee is 0.89% annually below $1 million. Private Client begins at $1 million, with 0.79% on the first $3 million and lower rates on higher tiers. Investment expenses also apply. Separate Taxfyle filing starts at $175; tax-year 2026 filing opens in January 2027.