Find the personal finance app you'll still be using in 2031.
5 apps tested hands-on. Honest verdicts on what each one gets right — and who should avoid it. Prices verified May 2026.
Question 1 of 5
Where do you bank?
The insight every comparison misses: Listicles show year-1 price ($99/yr vs $79/yr). None of them price the 5-year switching cost — re-categorising 2,500 transactions, rebuilding split rules, re-linking accounts. Pick the app you'll stay with. Read the full analysis →
Apps reviewed for 2026
Monarch Money
Best overall — couples, households, passive trackers
YNAB
Best method — zero-based budgeting, debt payoff focus
Copilot Money
Best iOS — most polished app, intelligent categorisation
Tiller Money
Best for spreadsheet diehards — bank feeds into Google Sheets
PocketSmith
Best for UK/EU — Open Banking feeds, 30-year forecasting
Quick comparison
| App | Score | Price | Platforms | Couples plan | UK/EU feeds |
|---|---|---|---|---|---|
| Monarch Money | 8.7 | $99.99/yr | Web, iOS, Android | Yes | Limited |
| YNAB | 8.4 | $109/yr | Web, iOS, Android | Shared login | Limited |
| Copilot Money | 8.1 | $95/yr | iOS, macOS only | No | No |
| Tiller Money | 7.8 | $79/yr | Google Sheets, Excel | No | No |
| PocketSmith | 7.6 | From $9.95/mo | Web, iOS, Android | No | Yes (TrueLayer) |
Prices verified against vendor pricing pages, May 2026. See full methodology.