Feature	LazeeFish Free forever	YNAB$109/yr	Mintdiscontinued	Monarch$99.99/yr	Copilot$13/mo
Pricing
Annual cost	$0	$109	—	$99.99	$156
Free trial required	N/A — always free	34 days	—	7 days	15 days
Budgeting
Envelope method	✓	✓	✗	~ category-based	~ category-based
Custom envelopes	Unlimited	Unlimited	Limited	Unlimited	Unlimited
Auto-categorization	✓ + smart rules	Manual only	✓	✓	✓ AI-powered
Custom tags	✓	✓	✗	✓	✓
Banking
Auto bank sync	✓ (Plaid)	✓	✓	✓	✓
Multi-currency	✓	✗	✗	✓	✓
Investment accounts	✓	✓	✓	✓ + tracking	✓
Privacy & data
Sells your data	No	No	Yes	No	No
Shows you ads	Never	No	Yes	No	No
CSV import	✓	✓	—	✓	✓
CSV export	✓	✓	✓	✓	✓
Recurring bill tracking	Free	$109/yr	—	$99.99/yr	$156/yr
Subscription auto-detection	Free	—	—	—	—
Debt
Debt tracker — auto-split principal & interest	Free	—	—	—	—
Platform
Web app	✓	✓	✓	✓	iOS only
iOS + Android	Both	Both	Both	Both	iOS only

Updated May 2026. Tell us if anything's wrong — we'll fix it.

— Where the others win

We don't pretend
to be best at everything.

YNAB

Beats us at

Education. Their podcast and workshops are genuinely excellent. If you want to be lectured into financial enlightenment, they're better than us.

Monarch

Beats us at

Investment tracking. Cost basis, dividends, portfolio drift — they go deep. We do the basics.

Copilot

Beats us at

iOS polish. Their app is gorgeous. Ours is clean — but if you live on iPhone, theirs is the love letter.

Switch in 5 minutes.

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