A budgeting app that costs $14.99/month costs $899 over five years. Most comparison sites quote the annual-plan price as if it were the monthly one. This calculator uses 20 apps' real published prices — each one cited below with its source URL and the date it was checked.
The $19 bundle is the complete write-up plus the machine-readable CSV (20 rows × 11 fields: monthly and annual price, free tier, trial length, platforms, bank-sync provider, pricing gotchas, source URL, confidence rating, access date) — the same data behind this page, in a form you can drop into a spreadsheet or a model.
Get the full teardown — $19 Or grab a free 5-row CSV sampleDelivery is on this page: after checkout, email your Stripe receipt to [email protected] and the bundle is published to a private link within 48 hours. Prefer to see it first? The full comparison table below is free and always will be.
Deciding between two specific apps? Each pair has its own page with the 1, 3 and 5-year totals side by side.
Every row links to the vendor page it came from. "—" means the vendor publishes no price for that plan at the source we checked; we do not guess.
| App | Monthly | Annual | Free tier | Trial | Bank sync | Confidence | Cite |
|---|---|---|---|---|---|---|---|
| Actual Budget | Free | Free | Yes | — | GoCardless (EU/UK) and SimpleFIN (NA; ~$15/yr); not Plaid | high | source |
| Buddy | $9.99 | $49.99 | Yes | — | Not disclosed; user reviews note sync issues for non-US banks | medium | source |
| Copilot Money | $13.00 | $95.00 | No | — | Multiple (Plaid primary; Mastercard, MX, Akoya fallback) | medium | source |
| Empower Personal Dashboard | Free | Free | Yes | — | Not confirmed on official page (commonly reported as Yodlee/MX-class aggregators) | medium | source |
| EveryDollar | $17.99 | $79.99 | Yes | 14 days | Plaid (via Mastercard Connect and Plaid) | high | source |
| Goodbudget | $10.00 | $80.00 | Yes | — | Plaid (Premium only, US banks only) | high | source |
| Honeydue | Free | Free | Yes | — | Not disclosed on official pages | high | source |
| Lunch Money | $10.00 | $60.00 | No | 30 days | Plaid | medium | source |
| Monarch Money | $14.99 | $99.99 | No | 7 days | Multiple (Plaid, Mastercard Data Connect/Finicity, MX — auto-selected per institution) | medium | source |
| Origin | $12.99 | $99.00 | No | — | Plaid, MX, Finicity (auto-selects; ~13,000 institutions) | medium | source |
| Piere | — | $29.99 | Yes | 7 days | Plaid (per third-party review) | high | source |
| PocketGuard | $12.99 | $74.99 | Yes | 7 days | Plaid and Finicity primary; Salt Edge also cited | high | source |
| Quicken Simplifi | $3.99 | $47.88 | No | — | Intuit Data Exchange with Finicity fallback; some Plaid connections reported | high | source |
| Rocket Money | — | — | Yes | 7 days | Plaid | low | source |
| Spendee | $5.99 | $35.99 | Yes | 7 days | Own tech + Salt Edge and Plaid partners | high | source |
| Tiller | — | $99.00 | No | 30 days | Plaid and Yodlee (dual aggregator) | high | source |
| Toshl Finance | $2.99 | $19.99 | Yes | 30 days | Plaid (US/CA/some EU) + Salt Edge (elsewhere); auto-sync only on Medici tier | medium | source |
| Wallet by BudgetBakers | $5.99 | $14.99 | Yes | 14 days | PSD2-based sync, 15,000+ institutions (aggregator partner not named) | medium | source |
| YNAB (You Need A Budget) | $14.99 | $109.00 | No | 34 days | Multiple (Plaid, MX, TrueLayer — varies by institution) | high | source |
| Zeta | $9.99 | $83.88 | Yes | — | N/A — Zeta is itself a banking product (accounts issued by Piermont Bank, FDIC insured) | medium | source |
The details that change the real number: promo pricing that lapses, annual-only plans, per-household seats, legacy discounts.
Official hosted sync free (donation-supported). Third-party managed hosting (PikaPods, ElfHosted ~$9/mo) exists but unofficial.
Source: https://actualbudget.org — accessed 2026-08-09 — confidence: high.
App Store listing: Premium $9.99/mo, $49.99/yr (other price points likely regional/promo). Apple-ecosystem only; no confirmed Android app. Official site shows no numeric pricing.
Source: https://apps.apple.com/us/app/buddy-budget-planner-app/id936422955 — accessed 2026-08-09 — confidence: medium.
Pricing page shows $7.92/mo *billed yearly* ($95/yr, verified first-hand 2026-08-09). Standalone monthly ~$13/mo per secondary source (getfinny.app), not shown on fetched page section. No Android app. ~1-month 'test drive' trial.
Source: https://copilot.money/pricing — accessed 2026-08-09 — confidence: medium.
Dashboard fully free — lead-gen for Empower's paid advisory (~0.89% AUM, six-figure minimum). Official dashboard page 404'd on fetch; free status corroborated by third-party sources only.
Source: https://www.empower.com/ — accessed 2026-08-09 — confidence: medium.
Premium also bundled into Ramsey+ (~$129.99/yr) with FPU courses and SmartTax. Relaunched Jan 2026 with Margin Finder, roadmaps, live coaching for Premium.
Source: https://www.ramseysolutions.com/ramseyplus/everydollar — accessed 2026-08-09 — confidence: high.
Legacy 'Plus' mid-tier discontinued for new signups (Aug 2024 blog); now Free vs Premium. Bank sync Premium-exclusive, US-only.
Source: https://goodbudget.com/help/billing/subscribe-to-goodbudget/ — accessed 2026-08-09 — confidence: high.
Official support article: '100% free for everybody', no paywalled features, no ads. Revenue from optional tips $1-$10/mo.
Source: https://support.honeydue.com/en/articles/3179714-how-does-honeydue-earn-money — accessed 2026-08-09 — confidence: high.
PWYW annual; minimum raised $50→$60/yr effective Mar 15, 2026 (official blog). Existing subscribers price-locked for life. $10/mo figure from third-party sources only (pricing page 403'd).
Source: https://lunchmoney.app/blog/an-update-to-our-annual-plan-minimum-effective-march-15-2026 — accessed 2026-08-09 — confidence: medium.
30% off first-year promo (code WELCOME) active at access date. Figures confirmed via Monarch help-center articles; live pricing page is JS-rendered and did not render in fetch — medium confidence.
Source: https://www.monarch.com/pricing — accessed 2026-08-09 — confidence: medium.
$12.99/mo or $99/yr confirmed via Google-cached official support FAQ; direct fetches blocked (403/404). Annual subscribers get 30% off CFP sessions (else $119/session).
Source: https://support.useorigin.com/hc/en-us/articles/21022711456141-How-much-does-Origin-cost — accessed 2026-08-09 — confidence: medium.
Verified directly on piere.com/pricing. Free 'Purple' tier: 3 connected accounts, budgets, net worth. 'Platinum' $29.99/yr (shown as $2.50/mo equivalent); no standalone monthly shown. 7-day trial, '$120 money-back guarantee'. Expired promo referenced a 'Plus+' tier at $79.99/yr — lineup may have changed recently.
Source: https://www.piere.com/pricing/ — accessed 2026-08-09 — confidence: high.
Annual $74.99 (≈$6.25/mo); monthly $12.99. Lifetime option mentioned, price undisclosed. Free tier with reduced functionality.
Source: https://www.pocketguard.com/pricing/ — accessed 2026-08-09 — confidence: high.
$3.99/mo billed annually ($47.88) is a new-member promo (~43% off $6.99 list), valid through Sept 5, 2026 per page; renews at then-current rates. 30-day money-back guarantee instead of free trial.
Source: https://www.quicken.com/simplifi/ — accessed 2026-08-09 — confidence: high.
Premium is 'pay what you think is fair' sliding scale — no fixed price. Third-party reports of the band conflict ($3–$12 vs $7–$14/mo); official premium pages 404'd on fetch, so band left null. Free tier: subscription tracking, budgeting, bill reminders.
Source: https://help.rocketmoney.com/en/articles/2217739-how-much-does-rocket-money-cost — accessed 2026-08-09 — confidence: low.
Two paid tiers: Plus ($1.99/mo, $14.99/yr) and Premium ($5.99/mo, $35.99/yr). Salt Edge discontinued as partner ~May 21, 2026, migrating to Plaid. 7-day trials; prices vary by country. Web 'coming soon'.
Source: https://www.spendee.com/pricing — accessed 2026-08-09 — confidence: high.
Annual-only, no monthly option; confirmed on two official pages. Third-party sites still cite stale $79/yr; current is $99/yr. Full refund if unsatisfied.
Source: https://tiller.com/pricing/ — accessed 2026-08-09 — confidence: high.
Free: 2 accounts, 2 budgets, manual entry. Pro $2.99/mo or $19.99/yr (App Store-verified); Medici (adds bank sync) $4.99/mo or $39.99/yr. 30-day trial, card required. One secondary source cited $23.99/yr for Pro — discrepancy flagged; toshl.com/pricing did not render prices in fetch.
Source: https://apps.apple.com/us/app/toshl-finance-best-budget/id921590251 — accessed 2026-08-09 — confidence: medium.
US App Store IAP: Monthly $5.99, Annual $14.99, Lifetime $49.99. Regional variation reported (~€4.49/mo range). 14-day trial applies to Yearly plan only. Official site did not render USD figures in fetch.
Source: https://apps.apple.com/us/app/wallet-daily-budget-profit/id1032467659 — accessed 2026-08-09 — confidence: medium.
Annual $109/yr (≈$9.08/mo); monthly $14.99/mo. Shareable with up to 6 people at no extra cost. College students: free 365-day trial. Legacy YNAB4 users: 10% lifetime discount on annual.
Source: https://www.ynab.com/pricing — accessed 2026-08-09 — confidence: high.
Free joint/personal bank accounts; Zeta+ subscription ($9.99/mo, ~$6.99/mo billed annually) adds up to 4 accounts/members, automation, card controls. Official site unreachable in fetch environment; figures from secondary sources citing official site.
Source: https://finanso.com/us/askzeta/ — accessed 2026-08-09 — confidence: medium.
Prices were read directly off each vendor's own pricing or help-center page on 2026-08-09 and recorded with the URL. Where a page was JavaScript-rendered and could not be confirmed directly, the row is marked medium or low confidence rather than filled in from memory. Blank cells are genuinely blank — an unpublished price is recorded as unknown, never estimated. Prices change; this snapshot is dated, and that date is on every row.