Baniya Vs Empower
Empower tracks net worth. Baniya tracks Freedom.
Stop merely monitoring your accounts—start planning your early retirement. Baniya is built to accelerate your path to Financial Independence.
Why Choose Baniya?
If you’re deciding between the two, it comes down to daily money management versus long-term financial freedom.
Baniya
For the F.I.R.E. minded
Empower
For general tracking
Laser-focused on F.I.R.E.
Baniya calculates your FIRE number and shows exactly how your current habits affect your timeline to financial independence.
General financial dashboard
Empowers you to view your accounts in one place and plan for traditional retirement without focusing on early financial freedom.
Strategic, not transactional
Focuses on your savings rate, investment efficiency, and big-picture spending—no need to micromanage daily budgets.
Basic tracking tools
Offers spending categorization, but not designed for long-term savings optimization or FIRE-aligned budgeting.
Future-first by design
Every insight and chart points toward how soon you can retire and what you can do today to accelerate that goal.
Split focus
Balances today’s finances with conventional retirement planning, but isn’t built to explore aggressive early retirement scenarios.
Optimizes your FIRE gap
Tracks your passive income vs. expenses and models growth to help replace your paycheck with investment income.
Monitors, but doesn’t model
Great for viewing investment performance, but lacks tools to visualize income-replacement timelines or FIRE milestones.
Step-by-step guidance
Converts your financial data into personalized recommendations to shorten your time to retirement.
Do-it-yourself insights
Offers calculators and graphs, but leaves interpretation and planning entirely up to you.
FIRE-focused, freedom-driven
Every feature is designed to help you escape the 9–5 grind and build a life on your terms.
Traditional wealth management
Aims to help you manage your money responsibly, but without challenging the status quo or offering FIRE-specific tools.
Ready to accelerate your F.I.R.E. journey?
Stop merely tracking and start planning. Join thousands of users who are building their path to financial freedom with Baniya.