We compared 15 of the most popular budget apps across the features that matter most. This chart is designed to help you find the right app in minutes instead of hours.
App
Price
Bank Link
Offline
Multi-Currency
Partner
Platforms
Pocket Clear
Free
No
Full
40+
Yes
iOS, Android
YNAB
$99/yr
Optional
No
Yes
Shared login
All
Monarch Money
$99.99/yr
Required
No
Limited
Shared account
All
Copilot Money
$69.99/yr
Required
No
No
No
iOS only
Goodbudget
Free / $8/mo
No
Limited
Multiple
Sync
iOS, Android
Monefy
Free / $2.49
No
Full
Multiple
No
iOS, Android
EveryDollar
Free / $17.99/mo
Premium
Limited
No
Shared
All
Cleo
Free / $5.99-14.99/mo
Required
No
USD, GBP
No
iOS, Android
Emma
Free / 4.99-9.99 GBP/mo
Required
Limited
GBP, EUR, USD
No
iOS, Android
PocketGuard
Free / $7.99/mo
Required
No
Limited
No
iOS, Android
Rocket Money
Free / $4-12/mo
Required
No
No
No
iOS, Android
Toshl Finance
Free / $23.99/yr
Optional
Limited
200+
No
iOS, Android
Wally
Free / $79.99/yr
Optional
Limited
Multiple
No
iOS, Android
Simplifi
$47.88/yr
Required
No
No
No
iOS, Android, Web
Wallet
Free / Premium
Optional
Limited
Multiple
Sync
iOS, Android
Pricing Comparison
App
Monthly
Annual
5-Year Cost
Pocket Clear
$0
$0
$0
Goodbudget Free
$0
$0
$0
Monefy Pro
$2.49 (one-time)
$2.49
$2.49
Toshl Medici
$2.99
$23.99
$119.95
Simplifi
$3.99
$47.88
$239.40
Copilot Money
$10.99
$69.99
$349.95
YNAB
$14.99
$99
$495
Monarch Money
$9.99
$99.99
$499.95
EveryDollar Premium
$17.99
$79.99
$399.95
Cleo Builder
$14.99
$179.88
$899.40
Privacy Comparison
App
Bank Required
Data Storage
Sells Data
Pocket Clear
No
On-device
No
Goodbudget
No
Cloud
No
Monefy
No
On-device
No
YNAB
Optional
Cloud
No
Monarch Money
Required
Cloud
No
Copilot
Required
Cloud
No
Cleo
Required
Cloud
Unclear
PocketGuard
Required
Cloud
Unclear
Key Takeaways
Best free option: Pocket Clear -- genuinely free, no compromises
Best for privacy: Pocket Clear -- on-device storage, no bank linking
Best for couples: Pocket Clear (Partner Mode) or Monarch Money (shared account)
Best bank-linked: Monarch Money or YNAB
Best for travel: Pocket Clear (offline + 135 currencies) or Toshl (200+ currencies)
Most expensive over 5 years: Cleo Builder at $899
Best value: Pocket Clear at $0
Frequently Asked Questions
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Pocket Clear: No bank linking, no ads, no subscription. Start budgeting in 30 seconds.
