Njord's Compass vs Empower.
Side by side
| Empower | Njord's Compass | |
|---|---|---|
| How holdings get in | You connect your accounts through its "Connect my accounts" step. | Photo, screenshot, CSV or by hand. Nothing is connected. |
| Bank and brokerage logins | Connecting accounts is the main way in. | None. We never ask for them. |
| Cash at home, gold, collectibles | Not listed on its homepage. | Add them once, next to your brokerage accounts. |
| Home value and mortgage | Not listed on its homepage. | Add once and track next to your accounts. |
| Daily briefing on your holdings | "Investment Insights" on the site. No daily email briefing listed. | Morning Outlook, Midday Pulse and Closing Recap emailed about what you own. |
| Paid financial advisor | Optional. Advisory tiers start at $100,000 invested. | None. Njord's Compass is a research tool, not an adviser. |
Based on Empower's public homepage in October 2026. Its other pages may say more, and prices and features change, so confirm on their site before you decide.
Which one fits
Pick Empower if you want your accounts to update on their own, you are fine connecting them, and you may want an advisor later.
Pick Njord's Compass if connecting accounts is the part you do not want, or if a lot of what you own has no account to connect.
The part that is the same on every comparison
One vault covers your whole household. Add your partner's and family's accounts to the same vault, label each one, and everything counts toward one total. One login, one price.
No bank or brokerage logins, ever. You add holdings by photo, screenshot, CSV or by hand. Photos are read once and then deleted. We never ask for a username or password, so there is nothing for us to leak. Read the privacy policy.
Questions
Does Njord's Compass connect to my bank like Empower?
No. It never connects to your bank or brokerage. You add holdings by photo, screenshot, CSV or by hand, so there is no login to leak.
What about cash at home or gold?
Add them once by hand. They count toward your total next to your brokerage accounts.
Will my numbers update on their own?
Stocks and crypto are priced live. Anything else uses the value you enter, and you can tell the Oracle when it changes.
Njord's Compass is a research tool, not a registered investment adviser. Nothing here is financial advice.