— Compare

Updated May 2026

How we stack up
against the rest.

Honest comparisons. We even point out where the others are better.

Feature LazeeFish $50/yr · 30-day trial YNAB$109/yr Mintdiscontinued Monarch$99.99/yr Copilot$13/mo
Pricing
Annual cost$50$109$99.99$156
Free trial30 days, no card34 days7 days15 days
Budgeting
Envelope method~ category-based~ category-based
Custom envelopesUnlimitedUnlimitedLimitedUnlimitedUnlimited
Auto-categorization✓ + smart rulesManual only✓ AI-powered
Custom tags
Banking
Auto bank sync✓ (Plaid)
Multi-currency
Investment accounts✓ + tracking
Privacy & data
Sells your dataNoNoYesNoNo
Shows you adsNeverNoYesNoNo
CSV import
CSV export
Recurring bill trackingIncluded$109/yr$99.99/yr$156/yr
Subscription auto-detectionIncluded
Debt
Debt tracker — auto-split principal & interestIncluded
Platform
Web appiOS only
Native iOS + Android appMobile-web onlyBothBothBothiOS 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.

— Decision guide

Which budgeting app
is right for you?

Choose LazeeFish if…
  • You want a $5/month all-in price with no premium tier above
  • You believe in envelope budgeting or want to learn it
  • You're budgeting with a partner and don't want to pay per seat
  • You have recurring bills, subscriptions, or debt you want to track automatically
  • You came from Mint and want bank sync without ads (at $5/month instead of free-with-ads)
Consider the others if…
  • You live in a native iOS/Android app and won't use a web app → YNAB or Monarch
  • You want a structured educational curriculum alongside the software → YNAB
  • You need serious investment portfolio tracking → Monarch
  • You prefer spreadsheets over apps → Tiller
  • You want AI-powered transaction sorting with polished iOS design → Copilot

Common questions

What does LazeeFish actually cost?

$5/month or $50/year, with a 30-day free trial (no card required to start). Bank sync, joint accounts, recurring bills, savings goals, and debt tracking are all included — no premium tier above. The business model is to stay lean and grow by word of mouth rather than by selling data or showing ads.

What happened to Mint?

Mint was shut down by Intuit in March 2024. Existing users were redirected to Credit Karma, which lacks budgeting features. LazeeFish is a common Mint replacement because it offers the two things Mint users relied on most — bank sync and spending categorization — without ads or data selling. $5/month, 30-day free trial.

How does LazeeFish compare to YNAB specifically?

Both use envelope budgeting. LazeeFish is $5/month; YNAB costs $109/year. LazeeFish includes joint accounts, recurring bills auto-detection, and debt tracking in its $5/month plan — features YNAB charges its full $109/yr subscription for. YNAB has better native mobile apps and a stronger educational community. See the full LazeeFish vs YNAB comparison for more detail.

Which app is best for couples?

LazeeFish supports joint budgets with separate logins, shared envelopes, and private envelopes — all included in the $5/month plan, no per-user fee. YNAB charges $109/year for joint access. Honeydue is couples-only but lacks envelope budgeting. For most couples who want full envelope budgeting with shared visibility, LazeeFish is the strongest affordable option. The couples budgeting guide covers the setup in detail.

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