Agni Folio vs Empower
Empower’s dashboard is free and excellent for US bank, card and retirement accounts it can link. Agni Folio is built for money in several countries: 20 display currencies, non-US markets and statements from anywhere, with no bank logins.
| Feature | Empower | Agni Folio |
|---|---|---|
| Price | Dashboard free; advice 0.49%–0.89% a year (from US$100,000) | Free plan; Premium US$2.99/month (₹249/month in India) |
| Free plan | The dashboard and its tools are free | No time limit, no card |
| Assets in several countries and currencies in one view | Links US institutions in USD; others added by hand | 20 display currencies, rates for 160+ |
| Live prices for US, UK, Singapore, India and UAE shares | Priced by US ticker or CUSIP; other markets not mentioned | US, London, SGX, NSE/BSE, fund NAVs and DFM; ADX by value |
| Indian mutual funds and CAS statement import | US institutions only; no statement import | CAMS/KFintech CAS PDF, matched by ISIN and folio |
| Crypto exchange sync | Type in a coin and quantity; USD prices every 8 hours | Read-only: 7 exchanges incl. Binance, Coinbase, Kraken |
| Reads a statement for you (PDF, photo, CSV) | No statement or file import; manual entry instead | AI reads PDF, CSV, Excel and photos; email auto-sync |
| Needs your bank login | Optional, but the tools are built around linked accounts | Never asks for bank or broker logins |
| Family and shared ownership | Invite additional users to your dashboard | Family members and shared ownership in one login; no multi-login household yet |
| Advisor access | Empower’s own advisors for paying clients | View-only by default, for 1 to 12 months |
| Nominees and passing it on to family | Beneficiaries on Empower Personal Cash accounts only | Nominees and inactivity checks; will builder for India and Singapore |
Your accounts are all in the US and you want them synced automatically for free: banks, cards, 401(k)s and IRAs.
You want budgeting with spending sorted into categories for you.
You want a retirement planner that models life events, or a human advisor (from US$100,000 invested).
You want your home valued automatically from Zillow.
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Empower says the dashboard can be used from anywhere, but sign-up asks for a US mobile number and only US institutions can be linked. Anyone can sign up to Agni Folio from any country.
Yes, Agni Folio has a free plan with no time limit and no card. Premium is US$2.99 a month (₹249 in India). Empower’s dashboard is free and it charges for advice.
No. Agni Folio never asks for bank or broker logins. You import statements (PDF, CSV, Excel, photos), email them to your own import address, or type values in.
Yes. Agni Folio converts every holding to one of 20 display currencies, with live prices for US, London, SGX, NSE/BSE and DFM shares and mutual fund NAVs.
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