Nino vs Empower

Choose Nino when you want to ask questions about your finances and build a plan in the same AI-powered app. It combines connected financial chat, retirement and life-event forecasts, and tax estimates. You can use the software yourself or add a CPA and financial planner team for personalized planning and tax work. Empower offers free tools and managed investments.

You are paying for an assistant that helps you use your financial information. Ask whether a home purchase could delay retirement, request an explanation, and adjust the plan. Nino remembers context across conversations and can surface relevant opportunities. Empower’s free tools already include planning; Nino’s paid subscription adds the personal AI experience.

Yes. Nino’s optional CPA and financial planner team builds your financial plan, optimizes taxes, prepares and files returns, and helps put decisions into action. Ultra software is included. Empower provides financial advice and separate Taxfyle filing; Nino brings planning and tax work into one services plan. Software-only subscriptions include AI planning and tax estimates, not human preparation and filing.

Nino software starts at $20/month, with a 7-day trial and no credit card. Software and services start at $3,600/year. Empower’s dashboard is free; managed-investment fees depend on assets, and Taxfyle filing is separate. Nino’s services price includes Ultra software and a CPA and financial planner team for your financial plan and tax work; it is separate from investment management.

Yes. Connect supported accounts and use Nino to plan around your existing savings and investments. Your provider continues holding assets and handling trades; Nino’s software does not move your money. You can start with the AI assistant and add human planning and tax services without moving a portfolio into Empower’s managed-investment program.