Compare · 13 apps

Budgeting app comparison: Finman vs 13 apps

Looking for a YNAB alternative or a Mint replacement? Each comparison puts Finman next to one app on price, devices, bank connection and AI, with the other app's figures checked on its own site in October 2026. Finman itself is free during its open beta.

Try Finman free See all 13
$0 in beta Prices checked Oct 2026 Sources on each page
Six different small boats moored side by side in ruled berths along one pier, drawn like a nautical chart
Same pier, different boats: pick by the trip you are making.

Where Finman fits

Finman in one paragraph, before the table

Short answer

Finman is a web app in open beta, free with no card. It reads CSV, OFX and QFX bank files, so it needs no bank login, and covers budgets with an envelope (rollover) mode, goals, debts, subscriptions, investments, net worth, a balance forecast up to 90 days ahead and an AI CFO chat. Pick another app when you need live bank sync, a store app for iPhone or Android, or a service that cancels bills for you.

Start free Every Finman feature

  • Price$0 in the open beta; after it Free $0, Pro $9 and Family $19 a month (pricing).
  • BanksStatement files from RBC, TD, Scotiabank, BMO, CIBC, Tangerine, Wealthsimple Cash, EQ Bank, Revolut and Wise; monobank by API token; manual entry.
  • DevicesBrowser on Android, iPhone and desktop; store versions not published yet.
  • CurrenciesEach account keeps its own currency; totals convert to your base currency.

Finman vs

13 apps, what each costs and when to pick it

The other app's column comes from its own pricing and help pages, as summarised on each comparison page. Finman is free during the open beta in every row.

AppPrice, Oct 2026Pick it forComparison
Finman$0 in betaBudgets, forecast, debts, investments and an AI CFO from bank files, in several currenciesAll features
MintClosed March 23, 2024Former Mint users looking for budgets, bills, subscriptions, debts and net worth in one placeFinman vs Mint
YNAB$14.99/mo or $109/yr after a 34-day trialZero-based budgeting with direct import for select US, Canadian, UK and EU banksFinman vs YNAB
Monarch Money$14.99/mo or $99.99/yrMany US accounts synced automaticallyFinman vs Monarch Money
Copilot Money$109/yrApple-only households: iPhone, iPad, Mac and web, with automatic syncFinman vs Copilot Money
Empower Personal DashboardFree (formerly Personal Capital)Linked investment and retirement accountsFinman vs Empower Personal Dashboard
Rocket MoneyPremium for cancellationsFinding subscriptions, cancelling them for you and negotiating billsFinman vs Rocket Money
PocketGuard$12.99/mo, $74.99/yr or $149.99 onceLive US or Canadian bank sync and one leftover-money figureFinman vs PocketGuard
Quicken Simplifi$6.99/mo billed yearlyUS or Canadian accounts with sync to 14,000+ institutions and a retirement plannerFinman vs Quicken Simplifi
Tiller$99/yr after a 30-day trialDaily bank transactions in your own Google Sheets or Excel fileFinman vs Tiller
GoodbudgetFree with 10 + 10 envelopes; Premium $80/yrA pure envelope method with manual entryFinman vs Goodbudget
HoneydueFree, optional $1–$10 tipsCouples who want a phone app with bank sync, bill reminders and chat about transactionsFinman vs Honeydue
SpendeeFree Basic; Plus $14.99/yr; Premium $35.99/yrShared wallets for a trip, a couple or flatmates, on the phoneFinman vs Spendee
Wallet by BudgetBakersFree manual tracking; Premium for bank syncLive sync with banks in many countries (15,000+ cited)Finman vs Wallet by BudgetBakers
 Competitor prices as published by each vendor in October 2026, before tax; confirm on the vendor's site before paying.

Which comparison to read

Start from the reason you are switching

Most people searching for an alternative are leaving for one reason: price, a closed app, bank sync, a partner, or control.

  1. 01

    YNAB alternative

    YNAB costs $109 a year. Finman keeps envelope (rollover) budgets and adds investments, net worth, debts and a forecast, free during the beta. Read Finman vs YNAB and YNAB too expensive? cheaper options.

  2. 02

    Mint alternative

    Mint closed in March 2024. Start with best Mint alternatives, then switching from Mint for moving your history. In Canada: budget app for Canada.

  3. 03

    Automatic bank sync

    Finman reads statement files plus monobank by token. If live sync matters most, Monarch, Simplifi, PocketGuard and Wallet are built around it; each comparison above lists coverage.

  4. 04

    Budgeting as a couple

    Honeydue is a free phone app for two; Finman Family covers up to 5 people with a private view each. See best budget app for couples.

  5. 05

    Spreadsheet control

    Tiller feeds a spreadsheet you build yourself; Finman gives ready budgets and a forecast. See spreadsheet vs budgeting app.

  6. 06

    Subscriptions and AI

    Rocket Money cancels for you on Premium; Finman finds recurring charges with its subscription tracker and answers questions with the AI CFO.

Method

How each comparison is built

We make Finman, so every page says where the other app is the better pick. Figures come from first-hand sources with a date, and Finman's column describes the app as it works today.

  1. 01 →Their factsPrice, plans, devices and bank coverage from the vendor's own site, with the date checked.
  2. 02 →Our factsFinman's features, privacy policy and the live app, in its open beta state.
  3. 03 →Side by sideOne table, the same rows for both apps, sources linked on the page.
  4. 04Who should pick whichA short answer that names when the other app wins.
Every comparison page follows these four steps and carries its check date.

FAQ

Comparison questions

Choosing your first app? Read how to choose a budgeting app.

What is the best YNAB alternative?
It depends on why you are leaving YNAB. For price, Finman is free during its open beta with envelope (rollover) budgets, and Goodbudget has a free plan with 10 + 10 envelopes. For automatic US bank sync, Monarch Money and Quicken Simplifi are built around it. For a spreadsheet, Tiller. YNAB itself costs $14.99 a month or $109 a year.
What replaced Mint?
Intuit shut Mint down on March 23, 2024 and sent its users to Credit Karma, which said it does not provide budgeting the way Mint did. Our Mint alternatives guide compares the replacements, among them Monarch Money (which imports a Mint CSV), Empower, Rocket Money, YNAB, Copilot Money, Goodbudget and Finman.
Is Finman free?
Yes, during the open beta every feature is free and no card is asked for. After the beta the Free plan stays at $0, Pro is planned at $9 a month and Family at $19 a month.
Which budgeting apps work without a bank login?
Finman works from CSV, OFX or QFX statement files and manual entry, with monobank connected by a personal API token, so it never asks for a bank password. Goodbudget and the free tiers of Spendee and Wallet are built around manual entry.
Which app is best for automatic bank sync?
Among the apps compared here, Quicken Simplifi lists over 14,000 institutions in the US and Canada, Wallet by BudgetBakers cites over 15,000 banks on Premium, and Monarch Money is built around syncing many US accounts. Finman reads statement files instead.
How current are the prices on this page?
Competitor prices and plans were checked on each vendor's own site in October 2026; each comparison page names its sources and date. Prices change, so confirm on the vendor's site before you pay.

Try Finman next to the app you use now

Free during the open beta, no credit card. Import a statement file from your bank and compare on your own numbers.

Create Free Account