Comparison
Every budgeting app, on the things that actually differ
Price, whether it needs your bank login, whether it exists on Android, and whether it can tell you when you could stop working. Prices verified 21 August 2026.
TLDR Money International has not launched. Every other app in this table is available today. Our row shows the prices already committed to for launch, and each comparison says plainly where the other app is the better choice — because for a lot of readers it will be.
| App | Monthly | Annual | Bank login | Android | Net worth | FIRE |
|---|---|---|---|---|---|---|
| TLDR Money | $3.49 | $29.99 | No, by design | Yes | Yes | Yes |
| Finny | $3.49 | $24.99 | No | No | No | No |
| YNAB | $14.99 | $109 | Yes | Yes | Limited | No |
| Monarch Money | $14.99 | $99.99 | Yes | Yes | Yes | No |
| Copilot Money | $13 | $95 | Yes | Newer | Yes | No |
| Rocket Money | $6.99 | ~$83.88 | Yes | Yes | Limited | No |
| Quicken Simplifi | $5.99 | $71.88 | Yes | Yes | Yes | No |
| EveryDollar | $17.99 | $79.99 | Premium only | Yes | No | No |
| PocketGuard | $12.99 | $74.99 | Yes | Yes | No | No |
| Goodbudget | $10 | $80 | No | Yes | No | No |
| Mint | — | Shut down | Was yes | Was yes | Was yes | No |
The three things worth noticing
Almost everything here needs your bank login. Seven of the ten require or strongly assume a linked account. Only Goodbudget, Finny and TLDR Money work without one. If handing an aggregator a live connection to your current account is something you would rather not do, that is a short list.
Nothing else projects financial independence. Several track net worth well. None of them takes the next step and tells you the year your investments could cover your spending, which is the number most people are actually asking about when they start tracking.
The price spread is nearly four to one. $29.99 a year at one end, $109 at the other, for products that overlap substantially. Most of that difference is what bank connections cost to run.
Head to head
vs Finny
A manual expense tracker with voice, receipts and 150+ currencies, iPhone only.
vs YNAB
Zero-based budgeting built on giving every dollar a job.
vs Monarch Money
Holistic net-worth tracking and collaborative budgeting for households.
vs Copilot Money
Design-first, AI-categorised tracking built for the Apple ecosystem.
vs Rocket Money
Subscription cancellation and bill negotiation, with budgeting attached.
vs Quicken Simplifi
A forward-looking spending plan from Quicken, cross-platform.
vs EveryDollar
Dave Ramsey's zero-based budgeting app, free for manual entry.
vs PocketGuard
The "In My Pocket" number — what is safe to spend after bills.
vs Goodbudget
Digital envelope budgeting, manual by design, with a real free tier.
vs Mint
The free, ad-supported tracker Intuit shut down and folded into Credit Karma.
How this list is kept
Prices are verified, dated, and linked to the source
Every figure here was checked against published sources on 21 August 2026, and each comparison links to that app’s own pricing page — the only source that is never out of date. If you find something wrong, tell us and it will be corrected.
Not out yet. TLDR Money International is in build for the United States and the United Kingdom first, on iPhone and Android.
Last reviewed 21 August 2026.