Most "best budgeting apps 2026" pages recycle 2023 prices with no dates. This one was researched in a single day against live pricing pages, so every figure is current and comparable — and anything that couldn't be confirmed is marked UNVERIFIED, never estimated.
No email required for the cheat sheet. Free to republish with a link back.
All prices in USD, verified against each vendor's live pricing page on 2026-08-09. "Effective /mo" = annual price ÷ 12.
Table scrolls sideways →
| App | Free plan | Monthly | Annual | Effective /mo | Trial |
|---|---|---|---|---|---|
| YNAB | No | $14.99 | $109 | $9.08 | 34 days, no card |
| Monarch Core | No | $14.99 | $99.99 | $8.33 | 7 days |
| Monarch Plus | No | — | $199 | $16.58 | 7 days |
| Copilot Money | No | $13 | $95 | $7.92 | 1 month |
| Rocket Money | Yes | $7–$14 (PWYW) | $84–$168 | $7–$14 | 7 days |
| Quicken Simplifi | No | annual only | $47.88 promo / $83.88 | $3.99 / $6.99 | 7 days |
| PocketGuard | No | $12.99 | $74.99 | $6.25 | 7 days, no card |
| Goodbudget | Yes | $10 | $80 | $6.67 | none |
| EveryDollar | Yes | $17.99 | $79.99 | $6.67 | 14 days |
| Empower Dashboard | Fully free | — | — | $0 | — |
Everything in the cheat sheet, plus the analysis the table can't carry:
Who buys this: consumer-fintech founders and PMs pricing a money app, growth marketers at budgeting apps, investors covering consumer fintech, and affiliate and media buyers in personal finance.
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Same method, pointed at whatever market you're pricing against. You name a category (expense management, payroll, PM tools, vertical SaaS, anything with public pricing pages) and a competitor list; you get back a fully-sourced pricing and positioning teardown.
Pay by card, then email your competitor list to [email protected] — or email first if you'd like to scope it before paying. Full refund if I can't source your category.
Every price above was read off the vendor's own live pricing page on the access date shown. Nothing here is estimated, remembered or scraped from a comparison blog.
The full $29 teardown carries the complete appendix — every single cell mapped to its URL and access date, including the ones that came back UNVERIFIED.
Pricing research goes stale silently. A number without a date is a liability the moment you put it in a board deck. Every figure in this work carries the URL it came from and the day it was read, so you can re-check any single cell in about thirty seconds — and you can tell at a glance when it's time to refresh. Where a vendor hides a number behind a sales call, it says UNVERIFIED. That's the whole differentiator.