Tweed
Calculators →

CFO Silvia vs Empower for net worth tracking and investment help in 2026

By Nicolas Straut
Published 6 min read

Key takeaways

  • CFO Silvia Pro costs $17 a month billed annually, or $200 a year.1 Empower Personal Strategy costs 0.89% a year from $100,000,2 which is $890 on $100,000.
  • When choosing between CFO Silvia and Empower, start with whether you want someone to manage your money. Empower does that for a fee, and CFO Silvia only answers questions.
  • CFO Silvia fits you if you want AI answers across investments, property, crypto, and debts for a flat fee. Empower fits you if you want a free dashboard now and a human adviser later.
In this article

CFO Silvia and Empower both connect your accounts and track your net worth. CFO Silvia charges a flat subscription for AI answers and alerts, while Empower gives the dashboard away and charges a percentage of assets when its advisers manage your money. This guide compares free plans, advice, tracking, and cost.

CFO Silvia vs Empower at a glance

CFO Silvia vs Empower comes down to AI answers for a flat fee, or a free dashboard with paid human advice on top.

Scroll horizontally to see more columns.
CFO SilviaEmpower
Best forYou want AI answers and alerts across investments, property, crypto, and debtsYou want a free dashboard now and a human adviser to manage your money later
What it isAn AI CFO app that reads your accountsA free dashboard plus a managed-account business
AI or human helpAI by chat, text, call, and emailAdvisers on paid tiers, from an advisor team to two dedicated advisors
Free plan$0, no card, limited AI usage$0 dashboard, no minimum
Paid pricePro $200 a year or $20 a month. Max $200 a month0.89% a year from $100,000. 0.79% on the first $3,000,000 from $1,000,000
What it tracks12,000+ banks and brokerages, crypto, and property, private investments, vehicles, and collectibles you addBank, brokerage, retirement, mortgage, and credit accounts
SEC-registered adviserNo, it says its answers are educationalYes, Empower Advisory Group, LLC
Manages or moves your moneyNoYes, on paid tiers

Tweed read both companies' pages on October 26, 2026.

What is CFO Silvia?

CFO Silvia is an AI CFO app from Silvia, Inc., the Nasdaq-listed company formerly called ProCap Financial, that reads your accounts and answers questions about them.3 It connects read-only through Plaid, you add other assets by hand, and you reach it by chat, text, call, or email.

Its Radars keep checking a question and tell you when the answer changes. The company reports 20,000+ investors and $60 billion in connected assets. The CFO Silvia review covers its security and each plan in more detail.

What is Empower?

Empower is a retirement and wealth company that gives away a net worth dashboard and charges a percentage of assets when its advisers manage your money. The free Personal Dashboard tracks net worth, cash flow, and retirement savings, and Personal Strategy is the managed account from $100,000.

Empower Annuity Insurance Company of America owns the business, per Empower's site footer. The Empower review covers its Personal Capital history and the sales calls that follow a large linked balance.

CFO Silvia vs Empower features compared

CFO Silvia vs Empower features split on four things: the free plan, who manages your money, what each app tracks, and AI help. Each section below opens with the app that comes out ahead.

Free plans

Empower has the stronger free plan, because Silvia's free plan caps its chat, calls, texts, research, and Radars each month. Silvia's free plan still tracks net worth, transactions, and allocation, and it needs no card. Neither app charges until you want more.

Investment advice and who manages your money

Empower wins if you want your money managed, because its advisers run the portfolio for you and CFO Silvia never holds or moves money. Empower Advisory Group, LLC is an SEC-registered investment adviser, per Empower's fee page, and Silvia's footer calls its answers educational, not financial advice. With Silvia, every trade is still yours to make.

What each app tracks

CFO Silvia tracks more kinds of assets, because you can add private investments, vehicles, and collectibles beside the crypto wallets and 12,000+ US banks and brokerages it connects through Plaid.4 Empower's dashboard covers bank, brokerage, retirement, mortgage, and credit accounts. That's enough for most households.

AI answers and ongoing monitoring

CFO Silvia is built around AI help: it answers questions about your own accounts and keeps watching the ones you set. Pro adds 10 times the free plan's monthly usage and unlimited asset and liability connections. Empower's dashboard leans on charts instead: cash flow, a retirement planner, and a fee analyzer.

CFO Silvia vs Empower cost

CFO Silvia vs Empower cost is $0 on both free plans, and the paid plans buy different things. Empower's fee pays an adviser to run your portfolio, not for software, and Silvia's fee pays for more AI usage on accounts you still run yourself. The tables use list prices read on October 26, 2026, Silvia on annual billing, Empower's published rates, and no fund expense ratios.

If you only want a free dashboard

If you only want a free dashboard, you'll pay $0 for either app, and Empower's has no usage cap. Try Silvia's free plan first if you want to test AI answers on your own accounts. It costs nothing to find out.

With $100,000 to invest

With $100,000 to invest, you'll pay $890 a year for Empower Personal Strategy and $200 a year for CFO Silvia Pro.

Scroll horizontally to see more columns.
$100,000Empower Personal StrategyCFO Silvia ProDifference
Yearly cost$890$200$690
Monthly equivalentAbout $74$17About $57
What you getAn advisor team and a managed ETF portfolio10 times the free plan's AI usage

With $500,000 or $1 million

With $500,000 you'll pay $4,450 a year for Empower, and with $1 million you'll pay $7,900, while CFO Silvia Pro stays at $200.

Scroll horizontally to see more columns.
BalanceEmpower rateEmpower yearly costCFO Silvia ProCFO Silvia Max
$500,0000.89%$4,450$200$2,400
$1,000,0000.79% (Private Client)$7,900$200$2,400

Wealth Management from $250,000 adds two dedicated financial advisors, and Private Client from $1,000,000 adds priority access to specialists.5 If the 0.89% is the sticking point, the best robo-advisors guide compares managed portfolios that charge less.

Should you choose CFO Silvia or Empower?

Choose CFO Silvia if you want AI answers for a flat fee, and choose Empower if you want a free dashboard and paid human management. If you'd rather have registered advice from an app, Mezzi vs Empower covers that pair, and Mezzi vs CFO Silvia sets Silvia against a registered adviser. If you want a monthly budget instead, read CFO Silvia vs Monarch Money.

Choose CFO Silvia if

  • You want to ask questions about your own accounts and get answers by chat, text, or call
  • You track private investments, vehicles, or collectibles beside your accounts
  • You'll make your own trades and want a flat fee that doesn't grow with your balance
  • You want standing alerts that tell you only when something changes

Choose Empower if

  • You want a free net worth dashboard with no usage cap
  • You have $100,000 or more and want an adviser to manage the portfolio
  • You want an SEC-registered adviser behind the recommendations
  • You want dedicated advisors once you pass $250,000

Before you connect either app, add up what you own and owe in the Tweed Net Worth Calculator. Then run the Tweed Retirement Calculator to see whether your savings line up with your retirement date. For other apps in the same lane, the best AI financial advisors guide compares seven, and Empower alternatives covers the rest.

Frequently asked questions about CFO Silvia vs Empower

How secure is CFO Silvia?

CFO Silvia says it holds SOC 2 Type II certification and connects your accounts read-only. Plaid holds your bank logins, not Silvia, so the app can't move money or place a trade. A full picture of your finances is still sensitive, so use a strong password and two-factor sign-in.

Who are Empower's competitors?

Empower's competitors split into two groups. Dashboards that track your accounts include CFO Silvia, Monarch Money, Kubera, and Mezzi. Managed accounts include robo-advisors such as Betterment and Wealthfront and full brokerages such as Fidelity and Vanguard. The Empower alternatives guide compares seven of them on price and features.

Is CFO Silvia or Empower a fiduciary?

Empower is a fiduciary when its advisers manage your money, because Empower Advisory Group is an SEC-registered investment adviser. That duty covers the paid Personal Strategy tiers, not the free dashboard. CFO Silvia isn't registered as an adviser and says its answers are educational, so no fiduciary duty applies to them.

Do you need $100,000 to use Empower?

No, you don't need $100,000 to use Empower's free dashboard. The $100,000 minimum applies to Personal Strategy, the managed account with an advisor team. Empower's Premier managed account has no minimum and charges from 0.5% a year, but it doesn't come with an advisor.

Who owns CFO Silvia and Empower?

CFO Silvia is owned by Silvia, Inc., which trades on Nasdaq as SVIA and was called ProCap Financial until September 22, 2026. Empower is owned by Empower Annuity Insurance Company of America, which also runs Empower's workplace retirement business. Empower Advisory Group, LLC runs its managed accounts.

Can you use CFO Silvia and Empower together?

Yes, you can use CFO Silvia and Empower together, because both connect your accounts read-only. A common setup keeps Empower's free dashboard or managed account and adds Silvia's free plan for AI questions. You'll maintain two sets of account connections, so pay for Silvia Pro only if the free limits run out.

Sources

  1. https://www.cfosilvia.com/#pricing
  2. https://www.empower.com/products-solutions/personal-strategy
  3. https://investors.cfosilvia.com/news-releases/news-release-details/silvia-inc-begins-trading-nasdaq-under-new-ticker-svia
  4. https://www.cfosilvia.com/faq
  5. https://www.empower.com/products-solutions/wealth-management
Nicolas Straut
Nicolas Straut

Personal finance writer, former Forbes contributor and This Week in Fintech writer. He isn't a financial advisor or a CPA.

nicstraut.com

All 74 reviews →